Detailed comparison of all fees, features, and suitability — updated for 2026.
Bitpanda 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 | Bitpanda | Scalable Capital | Difference |
|---|---|---|---|
| Order fee per trade | 1.49 € | 0.99 € | 0.50 € cheaper at Scalable Capital |
| 10y savings plan cost @ €100/month | 0 € | 0 € | identical |
| 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 | 1 | 2 | +1 more at Scalable Capital |
| 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 | Bitpanda | Scalable Capital | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | ~1.49 % spread | 0.99€ or flat rate from 4.99€/Month | Scalable Capital |
| ETF Savings Plan Fee | - | 0€ | Tie |
| Account Fee | 0€/Year | 0€ (Free) / 4.99€/Mo (Plus) / 9.99€/Mo (Premium) | Tie |
| Minimum Deposit | €1 | 0€ | Tie |
| Interest on Cash | 0% | 2.6% (Plus/Premium) | Scalable Capital |
| Product Range | |||
| Stocks | Tie | ||
| ETFs | Tie | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot | gettex, Xetra | Scalable Capital |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | FMA · BaFin · MiCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2014 | 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 Scalable Capital →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Scalable Capital →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Scalable Capital →Bitpanda is Austria's largest crypto platform, founded in Vienna in 2014. Regulated by the Austrian FMA and German BaFin, with savings plans and an integrated stocks/ETFs/metals offering — though at higher fees than pure crypto exchanges.
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.
Bitpanda (Vienna, BaFin/FMA/MiCA) and Scalable Capital (Munich, BaFin) are both multi-asset brokers with different emphasis. Bitpanda offers 3 500+ real crypto coins at 0.99% + ~0.5% spread (Bitpanda Pro 0.1% at volume), 9 000+ stocks/ETFs at €1/order, physical precious metals. Scalable offers 30+ crypto ETPs (securities, §20 EStG), 8 000+ stocks, 2 700+ ETFs, PRIME+ cash interest 2.6%.
Honest take: Bitpanda is the pick for crypto focus with self-custody option and Austrian-German MiCA licence. Scalable is the pick for ETF savings-plan focus with cash yield and crypto via ETPs.
You want real crypto coins. Bitpanda 3 500+ spot coins. Scalable only 30+ crypto ETPs (security wrapper).
You want physical precious metals. Bitpanda offers gold, silver, platinum, palladium with delivery option. Scalable has no physical precious metals.
You want §23 tax-free crypto. Bitpanda spot coins tax-free after 1 year. Scalable crypto ETPs always KESt.
You want Bitpanda Pro / Fusion for low crypto fees. Bitpanda Pro maker from 0.1%. Scalable PRIME+ crypto 0.69% spread.
You want self-custody wallet withdrawal. Bitpanda crypto withdrawal. Scalable ETPs not.
You want the German tax certificate on all assets. Scalable withholds 25% KESt automatically. Bitpanda withholds KESt only on securities gains; crypto in Anlage SO.
You want free ETF savings plans. Both free, but Scalable 2 700+ ETFs vs Bitpanda 1 200 — wider range.
You want PRIME+ cash interest 2.6%. Scalable PRIME+ 2.6% p.a. on up to €500 000 EUR cash. Bitpanda has no EUR yield.
You want PRIME ETFs from €250 for €0 order. Scalable PRIME ETFs (all iShares, Vanguard, Amundi, Xtrackers) from €250 volume free. Bitpanda €1 flat regardless of volume.
You want bonds and single-stock savings plans. Scalable offers bond buys and single-stock savings plans. Bitpanda focuses primarily on crypto + stock/ETF buys.
Germany — Scalable steuereinfach, Bitpanda only on securities. Scalable withholds KESt on all assets. Bitpanda only on stocks/ETFs; crypto and precious metals self-declared.
§23 EStG: Bitpanda spot coins + precious metals tax-free after 1 year. Scalable crypto ETPs §20 EStG (always KESt).
Austria — Bitpanda AT-specific. Bitpanda withholds 27.5% AT KESt automatically. Scalable has no AT settlement.
Vorabpauschale 2026: Both book ETFs automatically.
Profile: 12 monthly €200 ETF savings plans, 24 PRIME ETF buys at €500, 6 crypto buys at €500, 1 precious-metal buy €1 000 gold, €10 000 idle cash.
| Item | Scalable PRIME+ | Bitpanda |
|---|---|---|
| 12× €200 ETF savings plan | €0 | €0 |
| 24× PRIME ETF €500 | €0 (≥€250) | 24× €1 + spread ~€3 = €96 |
| 6× €500 crypto | 6× €3.45 = ~€21 | 6× (€4.95 + €2.50) = ~€45 |
| 1× gold €1 000 | not offered | ~€16 |
| PRIME+ subscription | €59.88 | €0 |
| Cash interest €10 000 | +€260 (2.6%) | €0 |
| Net balance | +€179 gain | −€157 cost |
Scalable PRIME+ beats Bitpanda by ~€336 via cash interest and free PRIME ETF buys. Strip idle cash → Bitpanda only slightly pricier, but with precious metals and real crypto.
Pick: Scalable PRIME+. Cash interest + free PRIME ETFs.
Pick: Bitpanda. Real coins, §23 tax-free after 1 year.
Pick: Bitpanda. Scalable has no precious metals.
Pick: Bitpanda. AT KESt settlement. Scalable not AT-steuereinfach.
Pick: Scalable. 2 700 ETFs vs Bitpanda 1 200.
Answers to the most common questions about Bitpanda vs Scalable Capital.
For order fees, Scalable Capital leads at 0.99€ oder Flatrate ab 4.99€/Monat, while Bitpanda charges ~1.49 % spread. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Bitpanda is regulated by FMA · BaFin · MiCA, Scalable Capital by BaFin. Both fall under EU oversight. Deposit protection: Bitpanda -, 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.
Bitpanda 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. Bitpanda: -, 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.
