Detailed comparison of all fees, features, and suitability — updated for 2026.
Binance is the better choice for Krypto-Anleger, while Scalable Capital wins for Active Traders. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Binance | Scalable Capital | Difference |
|---|---|---|---|
| Order fee per trade | 0.10 € | 0.99 € | 0.89 € cheaper at Binance |
| 10y savings plan cost @ €100/month | 12 € | 0 € | 12 € cheaper at Scalable Capital |
| Interest on €10,000 cash (1 year) | — | 2.60 % = 260 € | +260 € more at Scalable Capital / year |
| Free ETF savings plans | 0 | 2.400 | +2.400 more at Scalable Capital |
| Available exchanges | 2 | 2 | identical |
| BMInsider rating | 4.0/5 | 4.2/5 | +0.2 at Scalable Capital |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Binance | Scalable Capital | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 0.1 % (BNB: 0.075 %) | 0.99€ or flat rate from 4.99€/Month | Binance |
| ETF Savings Plan Fee | - | 0€ | Scalable Capital |
| Account Fee | 0€/Year | 0€ (Free) / 4.99€/Mo (Plus) / 9.99€/Mo (Premium) | Tie |
| Minimum Deposit | $10 | 0€ | Tie |
| Interest on Cash | 0% | 2.6% (Plus/Premium) | Scalable Capital |
| Product Range | |||
| Stocks | Scalable Capital | ||
| ETFs | Scalable Capital | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | gettex, Xetra | Tie |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Binance | ||
| Security & Regulation | |||
| Regulated by | MiCA EU · multiple licenses | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2017 | 2014 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Scalable Capital |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Binance →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Binance →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Scalable Capital →Binance is the world's largest crypto exchange by daily volume. With 0.1% spot fee (0.075% with BNB discount), 350+ coins and futures markets, the platform offers more features at lower cost than any alternative.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, Aktive Krypto-Trader.
Scalable Capital offers a flat-rate model from €4.99/month for unlimited trades. With Xetra access and free savings plans, a good choice for active investors.
Particularly suitable for: Active Traders, Savings Plan Investors, Beginners.
Binance (Cayman Islands, as of May 2026 no MiCA and no BaFin) and Scalable Capital (BaFin, Baader Bank) operate under fundamentally different regulatory status. Binance spot 0.10% flat, 700+ coins, Binance Earn for staking yields, no German tax certificate. Scalable 30+ crypto ETPs as securities, PRIME+ 2.6% cash interest, fully steuereinfach.
Honest take: Scalable is the pick for regulatorily conservative investors with multi-asset needs. Binance is the pick for active crypto traders willing to price in the MiCA risk (transition period ends 1 July 2026).
You want the lowest crypto trading fees. Binance 0.10% spot, BNB discount 0.075%. Scalable PRIME+ 0.69% ETP spread.
You want the broadest coin range. Binance 700+ coins, early listings. Scalable 30+ crypto ETPs on established coins.
You want Binance Earn / staking. Binance Earn 1–20% p.a. by coin. Scalable ETPs aren't stakeable.
You want self-custody withdrawal. Binance withdrawal to hardware wallets. Scalable ETPs not.
You want crypto API. Binance REST + WebSocket. Scalable no open API.
You want regulatory clarity. Scalable BaFin + MiCA-compliant. Binance MiCA status open (transition period ends 1 July 2026).
You want the German tax certificate. Scalable steuereinfach. Binance: self-declaration.
You want multi-asset. Scalable 8 000+ stocks, 2 700+ ETFs, 30+ crypto ETPs. Binance crypto-only.
You want PRIME+ cash interest. Scalable PRIME+ 2.6% on EUR. Binance no EUR interest, only crypto Earn.
You want crypto inheritable in the portfolio. Scalable ETPs are securities. Binance spot coins require wallet recovery-phrase inheritance.
Germany — Scalable steuereinfach, Binance not. Scalable withholds KESt automatically. Binance gross.
§23 vs §20 EStG: Binance spot coins §23 (1 year tax-free). Scalable crypto ETPs §20 (always KESt).
Earn rewards tax: Binance Earn rewards: 10-year speculation period per BMF.
MiCA risk: If Binance is not granted EU licence, German users could suddenly see withdrawal restrictions — tax-problematic.
Profile: 200 trades at €1 000, 5 coins staked at €10 000 each, €5 000 idle EUR.
| Item | Scalable PRIME+ | Binance |
|---|---|---|
| 200× €1 000 trade | 200× €6.90 (0.69% ETP) = €1 380 | 200× €1 (0.10% spot) = €200 |
| Earn rewards €50 000 | not possible | ~€1 500 (3% average) |
| Cash interest €5 000 | +€130 | €0 |
| PRIME+ subscription | €59.88 | €0 |
| Net balance | −€1 310 | +€1 300 |
Binance beats Scalable by ~€2 610 on active trader profile — fee differential dominates. But: MiCA risk must be priced in. Scalable wins for passively-oriented DACH investor.
Pick: Scalable PRIME+. BaFin + MiCA compliant.
Pick: Binance. 0.10% fee dominates. Price in MiCA risk.
Pick: Binance. Earn programme. Scalable ETPs not stakeable.
Pick: Scalable. Stocks + ETFs + crypto ETPs steuereinfach.
Pick: Binance. §23 tax-free. Scalable ETPs always KESt.
Answers to the most common questions about Binance vs Scalable Capital.
For order fees, Binance leads at 0.1 % (BNB: 0.075 %), while Scalable Capital charges 0.99€ oder Flatrate ab 4.99€/Monat. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Binance is regulated by MiCA EU · multiple licenses, Scalable Capital by BaFin. Both fall under EU oversight. Deposit protection: Binance -, Scalable Capital 100.000€.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Scalable Capital offers free ETF savings plans from 1€. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Binance: -, Scalable Capital: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Scalable Capital leads on cash interest at 2.60%. Watch the conditions — some brokers require a paid plan or cap the amount.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
