Scalable Capital adds Brokerage, Portfolio, and Watchlist coverage that Wise (Interest & Stocks) skips.
VOL. XCIV, NO. 247
★ FINANCIAL TOOLS & SERVICES DIRECTORY ★
PRICE: 5 CENTS
Tuesday, November 11, 2025
Tool Comparison
Scalable Capital vs Wise (Interest & Stocks) comparison
Compare pricing, supported platforms, categories, and standout capabilities to decide which tool fits your workflow.
Quick takeaways
Wise (Interest & Stocks) includes APIs & SDKs categories that Scalable Capital omits.
In depth comparison
Scalable Capital
scalable.capital
Retail broker and robo-advisor for EU investors. Two main plans: FREE (trades €0.99 on gettex/EIE for orders ≥€250; free savings plans) and PRIME+ (€4.99/month flat for trades ≥€250; savings plans also free). Both offer variable 2% p.a. interest on cash balances, capped at €50k (FREE) or €500k (PRIME+). PRIME tiers unlock CSV export of all transactions. Annual tax certificates are provided as downloadable PDFs.
Platforms
WebMobile
Pricing
FreeSubscription
Quick highlights
- Transparent pricing: FREE plan at €0.99 per trade (gettex/EIE, min. €250) and PRIME+ at €4.99/month flat for trades above €250. Xetra available at €3.99/trade. Savings plans are always free.
- Earn variable 2% annual interest on uninvested cash, with caps of €50k (FREE) and €500k (PRIME+). Cash is safeguarded with partner banks and money-market funds.
- Access to more than 625,000 derivatives (certificates, knock-outs, warrants), with flat-rate trading included in PRIME+.
- Crypto exposure through regulated exchange-traded products in Germany, no wallet needed. Savings plans start from as little as €1.
- Trading venues include gettex (Munich Stock Exchange), the European Investor Exchange, and Xetra.
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Wise (Interest & Stocks)
wise.com
Investing features vary by country. In the UK/EEA, Interest allocates to government money-market funds; in the US, Interest is a bank program with pass-through FDIC insurance (not an investment). “Stocks” is a single BlackRock iShares World Equity Index mutual fund where available. Settlement speed (instant vs non-instant) and whether you invest from Balances or Jars differ by market. Fees are published per currency; Stocks adds a Wise service fee on top of the fund’s OCF.
Platforms
WebMobileAPI
Pricing
FreeOther
Quick highlights
- Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
- Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
- Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
- Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
- Availability, access speed (instant vs non-instant), and Balances vs Jars investing differ by country.
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Where they differ
Scalable Capital
Distinct strengths include:
- Transparent pricing: FREE plan at €0.99 per trade (gettex/EIE, min. €250) and PRIME+ at €4.99/month flat for trades above €250. Xetra available at €3.99/trade. Savings plans are always free.
- Earn variable 2% annual interest on uninvested cash, with caps of €50k (FREE) and €500k (PRIME+). Cash is safeguarded with partner banks and money-market funds.
- Access to more than 625,000 derivatives (certificates, knock-outs, warrants), with flat-rate trading included in PRIME+.
- Crypto exposure through regulated exchange-traded products in Germany, no wallet needed. Savings plans start from as little as €1.
Wise (Interest & Stocks)
Distinct strengths include:
- Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk.
- Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically.
- Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change.
- Stocks includes a Wise service fee in addition to the fund’s ongoing charges.
Feature-by-feature breakdown
| Attribute | Scalable Capital | Wise (Interest & Stocks) |
|---|---|---|
Categories Which research workflows each platform targets | Shared: Wealth Management, Downloadable Tax Reports Unique: Brokerage, Portfolio, Watchlist | Shared: Wealth Management, Downloadable Tax Reports Unique: APIs & SDKs |
Asset types Supported asset classes and universes | Stocks, ETFs, Mutual Funds, Bonds | Mutual Funds, Currencies |
Experience levels Who each product is built for | Beginner, Intermediate, Advanced | Beginner, Intermediate, Advanced |
Platforms Where you can access the product | Web, Mobile | Web, Mobile, API |
Pricing High-level pricing models | Free, Subscription | Free, Other |
Key features Core capabilities called out by each vendor | Unique
| Unique
|
Tested Verified by hands-on testing inside Find My Moat | Not yet | Not yet |
Editor pick Featured inside curated shortlists | Standard listing | Standard listing |
Frequently Asked Questions
Which workflows do Scalable Capital and Wise (Interest & Stocks) both support?
Both platforms cover Wealth Management, and Downloadable Tax Reports workflows, so you can research those use cases in either tool before digging into the feature differences below.
Do Scalable Capital and Wise (Interest & Stocks) require subscriptions?
Both Scalable Capital and Wise (Interest & Stocks) keep freemium access with optional paid upgrades, so you can trial each platform before committing.
How can you access Scalable Capital and Wise (Interest & Stocks)?
Both Scalable Capital and Wise (Interest & Stocks) support web and mobile access, making it easy to keep tabs on research away from the desk.
What unique strengths set the two platforms apart?
Scalable Capital differentiates itself with Transparent pricing: FREE plan at €0.99 per trade (gettex/EIE, min. €250) and PRIME+ at €4.99/month flat for trades above €250. Xetra available at €3.99/trade. Savings plans are always free., Earn variable 2% annual interest on uninvested cash, with caps of €50k (FREE) and €500k (PRIME+). Cash is safeguarded with partner banks and money-market funds., and Access to more than 625,000 derivatives (certificates, knock-outs, warrants), with flat-rate trading included in PRIME+., whereas Wise (Interest & Stocks) stands out for Interest (UK/EEA): balances are invested in government money-market funds; you can spend anytime, but capital is at risk., Stocks: one-fund exposure via BlackRock’s iShares World Equity Index Fund (LU) Class N2 EUR, with currency conversions handled automatically., and Transparent Interest service fees shown per currency (e.g., GBP/EUR/USD) and subject to change..
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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.