★ BEST INVESTING TOOLS COMPARISON ★
VOL. XCIV, NO. 247
Tool details checked August 23, 2026
Tool Comparison
N26 vs Scalable Capital
Pick N26 if
N26
Transaction-priced · Fees vary by offer and jurisdiction · Mobile
Pick Scalable Capital if
Scalable Capital
Transaction-priced · Fees vary by offer and jurisdiction · Web · Mobile
- You care about portfolio and downloadable tax reports, things N26 doesn't offer
Skip both if: Neither one clicks with how you research; there are strong third options.
See alternativesOutbound links may include affiliate or sponsor codes.
Our take
The bottom line
N26 and Scalable Capital cover a lot of the same ground (3 shared categories, brokerage, wealth management, and watchlist), so for the basics you won't go far wrong with either. On paper they're closely matched, so let pricing, platform fit, and the details below break the tie.
What readers say
N26
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Scalable Capital
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See for yourself
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.ShowHide
How they stack up
The side-by-side table: pricing, platforms, data, and coverage at a glance.| Attribute | ||
|---|---|---|
| Pricing & plans | ||
Starting price | Transaction-priced · Fees vary by offer and jurisdiction | Transaction-priced · Fees vary by offer and jurisdiction |
Free tier | No | No |
Free trial | — | — |
Plan limits | 4 limits: Standard (Spain): stock etf etc trade fee eur: 0.9, Smart (Spain): stock etf etc trade fee eur: 0.9 +2 more | — |
| Platforms & access | ||
Web app | No | Yes |
Mobile app | Yes | Yes |
API access | No | No |
Broker sync | No | No |
Integrations | Upvest Securities GmbH and Bitpanda Asset Management GmbH | — |
| Audience & fit | ||
Experience level | Beginner, Intermediate, Advanced | Beginner, Intermediate, Advanced |
Best for | — | — |
Categories covered | 3 | 5 |
Regions | Europe | Europe |
| Data & capabilities | ||
Data quality | Timezone: Europe/Berlin | Timezone: Europe/Berlin |
Security | — | Status page |
| Try it | Visit N26 | Visit Scalable Capital |
Where each one shines
What N26 and Scalable Capital each do best.ShowHide
Where each one shines
What N26 and Scalable Capital each do best.What N26 does best
- Stock and ETF trading inside the N26 mobile app where eligible, with transaction pricing and plan allowances per country.
- Fractional investing from as little as 1 euro, including recurring investment plans on supported schedules.
- Automated investment plans run weekly, bi-weekly, monthly, or quarterly for eligible stocks and ETFs.
- More than 5,000 stocks, ETFs, and ETCs on the current Spain product page.
- Ready-made BlackRock funds in Mindful, Balanced, and Ambitious profiles where fund investing is available.
What Scalable Capital does best
- Stock and ETF trading through supported European venues, with FREE and PRIME+ plans using different fee rules and order-size assumptions.
- Free savings plans, including small recurring investments where supported.
- PRIME+ offers flat broker pricing for eligible trades instead of a fee per order on the FREE plan.
- Supported stocks, ETFs, mutual funds, bonds, derivatives, and crypto ETPs from a web or mobile brokerage workflow.
- Scalable Wealth runs automated ETF-based portfolios, with management fees that step down at higher account sizes.
Every detail we compared
Every tracked attribute for N26 and Scalable Capital, side by side.ShowHide
Every detail we compared
Every tracked attribute for N26 and Scalable Capital, side by side.| Attribute | ||
|---|---|---|
| Coverage & fit | ||
Asset types | StocksETFsCryptos | StocksETFsMutual FundsBonds |
Experience | BeginnerIntermediateAdvanced | BeginnerIntermediateAdvanced |
Regions | Europe | Europe |
Coverage details | 18 countriesIdentifiers: ISIN and Ticker | 6 countriesExchanges: XETR, XMUN, and European Investor ExchangeIdentifiers: Ticker |
| Access & integrations | ||
Integrations | Upvest Securities GmbHBitpanda Asset Management GmbH | Not specified |
Export formats | Not specified | CSVPDF |
| Plans & trust | ||
Security & compliance | Not specified | Status page |
Vendor & support | N26 SECountry: GermanyFounded 2013Support: Email and Chat | Scalable Capital GmbHCountry: GermanyFounded 2014Support: Email |
Curation ratings | Methodology 4/5Reliability 4/5UX 4/5 | Methodology 3/5Reliability 4/5UX 4/5 |
Green tags are exclusive to that tool in this comparison.
What you'll actually pay
Plans, billing, trials, and per-month pricing for both tools.ShowHide
What you'll actually pay
Plans, billing, trials, and per-month pricing for both tools.| Tier | ||
|---|---|---|
| Free plan | Free“Standard (Spain)”stock etf etc trade fee eur: 0.9 | Free |
| Entry paid plan | €4.90/mo“Smart (Spain)”stock etf etc trade fee eur: 0.9 | €4.99/mo“PRIME+ Broker” |
| Tier 2 | €9.90/mo“Go (Spain)”free trades per month: 3 | — |
| Top plan | €16.90/mo“Metal (Spain)”free trades per month: 10 | — |
Questions we keep getting
What's the difference between N26 and Scalable Capital?
N26 leans toward brokerage, wealth management, and watchlist, while Scalable Capital puts more weight on brokerage, wealth management, and portfolio. They overlap in 3 categories, so for most people it comes down to workflow preference and price.
How much do N26 and Scalable Capital cost?
Neither has a free plan; you'll need a paid subscription for the full feature set of either. Check each tool's current plan details before buying.
Should I choose N26 or Scalable Capital?
It depends on what you're after. Pick N26 if you prefer its overall approach; go with Scalable Capital if you'd rather have portfolio and downloadable tax reports. And if you only need the basics both share, let price decide.
What asset classes do N26 and Scalable Capital cover?
Both cover stocks and ETFs. N26 also handles cryptos. Scalable Capital adds mutual funds and bonds on top.
Can I export data from N26 and Scalable Capital?
Scalable Capital exports to CSV. N26 is stingier about getting data out.
Can I track my portfolio with N26 or Scalable Capital?
Scalable Capital handles portfolio tracking. N26 is really a research tool; you'd track your portfolio elsewhere.
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Curation & Accuracy
This directory blends AI‑assisted discovery with human curation. Entries are reviewed, edited, and organized with the goal of expanding coverage and sharpening quality over time. Your feedback helps steer improvements (because no single human can capture everything all at once).
Details change. Pricing, features, and availability may be incomplete or out of date. Treat listings as a starting point and verify on the provider’s site before making decisions. If you spot an error or a gap, send a quick note and I’ll adjust.