N26 Trading€0 commission (included in N26 Metal), spread-based
- Published fee
- €0 commission (included in N26 Metal), spread-based
- Minimum deposit
- 1 €
- Spread figure
- Stocks/ETFs from €0.90 (10 free trades/month with Metal plan), crypto spread ~1.5%
Broker comparison
N26 Trading vs.
Scalable Capital
Which broker fits your needs?
Platforms, products and fees side by side.
Updated: October 2026
See comparisonN26 Trading
Scalable CapitalVS
Summary
Your goal decides.
Scalable Capital has a higher rating of 4.4/5 compared to N26 Trading (3.7/5). Scalable Capital offers 6 instrument types, while N26 Trading offers 2. N26 Trading has been in the market since 2013, making it the more experienced provider.
N26 TradingGerman neobank with integrated stock trading
Scalable CapitalNeobroker with flat-rate trading and robo-advisor
At a glance
The key differences
| Criterion | N26 Trading | Scalable Capital |
|---|---|---|
| Platforms | N26 App | Scalable Broker App, Scalable Broker Web |
| Product types | Stocks, ETFs | Stocks, ETFs, Funds, Bonds, Crypto ETPs, Derivatives |
| Options trading | No | No, no options trading |
| Fee model | €0 commission (included in N26 Metal), spread-based | FREE: €0.99 per trade; PRIME+: €4.99/month, €0 from €250 order value |
| Minimum deposit | 1 € | 1 € (Verifizierung) |
| Regulation | BaFin | BaFin/Deutsche Bundesbank |
| More information | Details | Details |
Platforms
N26 Trading
N26 App
Scalable Capital
Scalable Broker App, Scalable Broker Web
Product types
N26 Trading
Stocks, ETFs
Scalable Capital
Stocks, ETFs, Funds, Bonds, Crypto ETPs, Derivatives
Options trading
N26 Trading
No
Scalable Capital
No, no options trading
Fee model
N26 Trading
€0 commission (included in N26 Metal), spread-based
Scalable Capital
FREE: €0.99 per trade; PRIME+: €4.99/month, €0 from €250 order value
Minimum deposit
N26 Trading
1 €
Scalable Capital
1 € (Verifizierung)
Regulation
N26 Trading
BaFin
Scalable Capital
BaFin/Deutsche Bundesbank
Product access and costs depend on market, account and permissions.
Detailed comparison
Comparing fees
Compare total costs, not just the order fee.
N26 TradingScalable CapitalFREE: €0.99 per trade; PRIME+: €4.99/month, €0 from €250 order value
- Published fee
- FREE: €0.99 per trade; PRIME+: €4.99/month, €0 from €250 order value
- Minimum deposit
- 1 € (Verifizierung)
The relevant costs depend on market, currency, order size and trading style.
Execution quality
Order type, venue and liquidity affect execution.
N26 TradingCheck the provider’s execution policy and available order types for your account.
Provider informationScalable CapitalCheck the provider’s execution policy and available order types for your account.
Provider informationProduct range
N26 TradingStocksETFs
Scalable CapitalStocksETFsFundsBondsCrypto ETPsDerivatives
Categories come from broker profiles. Check specific markets and permissions before deciding.
Trading platforms
N26 TradingN26 App
N26 Trading is exclusively available through the N26 banking app for iOS and Android. The trading feature is seamlessly integrated into the banking interface. Users can buy stocks and ETFs, view their portfolio, and purchase fractional shares. The user interface is extremely simplified, offering basic price information but forgoing professional charting or analysis tools.
Explore platformScalable CapitalScalable Broker App · Scalable Broker Web
Scalable Capital provides its customers with the Scalable Broker App and the Scalable Broker Web platform. The app offers a modern, intuitive user interface with clear price displays, watchlists, and easy order placement. The web platform extends the offering with more detailed chart analysis and portfolio overviews. Both platforms support limit, market, and stop orders as well as the setup and management of savings plans. Push notifications keep investors informed about price changes.
Explore platformRegulation does not prevent market losses. The relevant authority depends on the contracting entity.
Your investor profile
Who might it suit?
N26 TradingGerman neobank with integrated stock trading
- Integrated into N26 banking app
- BaFin-regulated German bank
- Fractional shares available
- Very limited stock selection
- No professional trading tools
Scalable CapitalNeobroker with flat-rate trading and robo-advisor
- Flat-rate trading with PRIME+
- BaFin-regulated
- Stocks, ETFs, funds and bonds
- No options trading
- PRIME+ flat rate applies from €250 order value
Find the broker that fits
N26 Trading oder Scalable Capital?
Side by side. Decided with knowledge.
See the differences that matter, and the Academy lessons that explain them.
VS
- Fees
- Platform
- Regulation
- Matching lessons
Two brokers. Many options. Your call.
In-depth analysis
Fees: Both are BaFin-regulated German neobrokers with a very low entry barrier — N26 from a €1 minimum deposit, Scalable Capital with a first €1 transfer for verification. N26 trades stocks and ETFs from €0.90 per trade, with 10 free trades per month included in the Metal plan. Scalable Capital bills via the PRIME+ flat rate (€4.99/month, €0 order fee from €250 order value) or €0.99 per trade on the FREE Broker and offers free ETF savings plans. For regular traders, Scalable's flat-rate model is attractive; for N26 banking customers, the Metal plan.
Products: Here Scalable Capital is markedly broader: stocks, ETFs, funds, bonds, derivatives and crypto ETPs, along with an integrated robo-advisor. N26 deliberately limits itself to stocks and ETFs with fractional shares and, per the data, is very limited in stock selection; the trading feature is still in development. Neither offers options.
Platform, profile and verdict: N26 (rated 3.7/5, founded 2013 in Berlin) integrates trading directly into the N26 banking app and targets existing customers who want to invest occasionally without a second app. Scalable Capital (4.4/5, founded 2014 in Munich) trades via gettex/Xetra and offers more features for active investors through its app and web platform. Those who want to bundle banking and simple investing in one app choose N26; those seeking a broad product range, a flat-rate model and a robo-advisor are better served by Scalable Capital.
Your questions
Frequently asked questions
How do fees differ between N26 Trading and Scalable Capital?
N26 Trading: €0 commission (included in N26 Metal), spread-based. Scalable Capital: FREE: €0.99 per trade; PRIME+: €4.99/month, €0 from €250 order value. Compare total costs for the specific market, product, currency and order size in the current fee schedule.
Which broker offers more products: N26 Trading or Scalable Capital?
N26 Trading offers Stocks, ETFs. Scalable Capital offers Stocks, ETFs, Funds, Bonds, Crypto ETPs, Derivatives.
How are N26 Trading and Scalable Capital regulated?
The broker profiles list BaFin for N26 Trading and BaFin/Deutsche Bundesbank for Scalable Capital. Your account's contracting entity determines the applicable oversight and protection rules; check its current disclosures.
Is N26 Trading or Scalable Capital better for beginners?
N26 Trading lists a 1 € minimum deposit and offers N26 App. Scalable Capital lists 1 € (Verifizierung) and offers Scalable Broker App, Scalable Broker Web. Compare usability, available products and costs for your intended use.
N26 Trading vs Scalable Capital: Which broker is better overall?
The choice between N26 Trading (3.7/5, 450 reviews) and Scalable Capital (4.4/5, 1200 reviews) depends on your needs. N26 Trading: German neobank with integrated stock trading. Scalable Capital: Neobroker with flat-rate trading and robo-advisor.
Your next step
Your next step
N26 TradingGerman neobank with integrated stock trading
Open accountRead reviewScalable CapitalNeobroker with flat-rate trading and robo-advisor
Open accountRead reviewKeep learning
Before you pick a broker
The guides worth reading before your first trade, whichever of the two you choose.