Tool Comparison
N26 vs Scalable Capital
- Paid from
- —
- Free plan
- No
- Platforms
- Web, Mobile
Best if
- You want portfolio and downloadable tax reports.
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 want portfolio and downloadable tax reports.
Skip both if: Neither one clicks with how you research; there are strong third options.
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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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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+ charges €0 for eligible European Investor Exchange orders of at least €250; Xetra and gettex orders cost €1.99 on both plans.
- 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.
Side by side
Pricing comparison
See for yourself
Side by side
Price, platforms, data, and market coverage.ShowHide
Side by side
| 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 | 5 limits: Standard (Spain): stock etf etc trade fee eur: 0.9, Smart (Spain): stock etf etc trade fee eur: 0.9 +3 more | 5 limits: FREE: european investor exchange order from250 eur: 0.99, FREE: prime etf purchase on eix from250 eur: 0 +3 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 | Scalable CLI and Scalable MCP |
| 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 |
Standout features
The best features of N26 and Scalable Capital.ShowHide
Standout features
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+ charges €0 for eligible European Investor Exchange orders of at least €250; Xetra and gettex orders cost €1.99 on both plans.
- 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.
All details
Every attribute we track for N26 and Scalable Capital.ShowHide
All details
| 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 | Scalable CLIScalable MCP |
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.
Pricing
Plans, billing, free trials, and monthly prices.ShowHide
Pricing
| Tier | ||
|---|---|---|
| Free plan | Free“Standard (Spain)”stock etf etc trade fee eur: 0.9 | Freeeuropean investor exchange order from250 eur: 0.99 · prime etf purchase on eix from250 eur: 0 · +1 more |
| Entry paid plan | €4.90/mo“Smart (Spain)”stock etf etc trade fee eur: 0.9 · spaces: 10 | €4.99/mo“PRIME+ Broker”european investor exchange order from250 eur: 0 · xetra and gettex order eur: 1.99 |
| Tier 2 | €9.90/mo“Go (Spain)”free trades per month: 3 | — |
| Top plan | €16.90/mo“Metal (Spain)”free trades per month: 10 | — |
Alternatives
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.