Updated September 29, 2026 · BrokerCue Editorial Team
Capital.com vs Scalable Capital
What sets them apart
| Compare |  Capital.com |  Scalable Capital |
|---|---|---|
| Minimum deposit | £20 | €1 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Bonds, Spread bettingCovers more | Stocks, ETFs, Crypto |
| Regulators | FCA, Cyprus Securities and Exchange Commission (CySEC) | Federal Financial Supervisory Authority (BaFin) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Stock trade fee | $0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Retail accounts that lose money | 65% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Web platform, Mobile app, MT4, TradingView | Not confirmed |
| Maximum retail leverage | 1:30 | Not confirmed |
| Interest on cash | Not confirmed | 2.6% |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Capital.com scores higher overall: 9.3 vs 9.0.
- Regulators: only Capital.com offers FCA, Cyprus Securities and Exchange Commission (CySEC).
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Founded is lower at Scalable Capital: 2014 vs 2016.
- Capital.com is licensed in 1 more country.
- Markets: only Capital.com offers Forex, CFDs, Bonds.
- Support channels: only Scalable Capital offers Phone, Email.
- Features: only Capital.com offers Demo account.
Our verdict on each
Capital.com
Capital.com suits traders who want one account across shares, forex, CFDs, crypto and bonds without a monthly or inactivity charge. UK clients sit under FCA regulation with FSCS protection of FSCS up to GBP 85,000. The minimum deposit of £20 is the only cost barrier, above CFI at $0.
Scalable Capital
Scalable Capital suits investors who want to start small and later hand a pot of money to a managed portfolio. The self-directed account takes a minimum deposit of €1, while the managed plan starts from €20 with fees of 0.245% to 0.375% a year.
Score breakdown
| Area | Capital.com | Scalable Capital |
|---|---|---|
| Cost | 9.2Account fee of £0, stock trade fee of $0 and no inactivity charge, with free deposits and withdrawals. | 9.3Higher |
| Offer | 9.5Higher | 9.3Cash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. |
| Trust | 9.1Higher | 8.6 |
Side by side, item by item
| Markets | Capital.com | Scalable Capital |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Spread betting | Yes | No |
How they place
| Ranking | Capital.com | Scalable Capital |
|---|---|---|
| Stock and ETF brokers | 65 of 471 | 147 of 471 |
Availability and regulation
| Country | Capital.com | Scalable Capital |
|---|---|---|
| Cyprus | CySEC HE 354252 Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 984500C46B3B7B69Y904 | Not confirmed |
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 |
| United Kingdom | FCA 793714 | Not confirmed |
Where these facts come from
Capital.com
- capital.com: 5 facts, checked September 26, 2026
- investingreviews.co.uk: 4 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- forexrev.com: 2 facts, checked September 26, 2026
- sashares.co.za: 2 facts, checked September 26, 2026
Scalable Capital
- de.scalable.capital: 4 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
- scalable.capital: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | Capital.com | Scalable Capital |
|---|---|---|
| Features | Demo account, Mobile appCovers more | Mobile app |
| Pricing model | Commission free, Low fees | Not confirmed |
| Legal entity | CAPITAL VAULT LTD | Scalable Capital Bank GmbH |
| Headquarters | Cyprus | Germany |
| Founded | 2016 | 2014Lower |
| Support channels | Chat, Help centre | Phone, Chat, Email, Help centreCovers more |
Robo-advisors
| Fact | Capital.com | Scalable Capital |
|---|---|---|
| Management fee | Not confirmed | 0.245% to 0.375% |
| Minimum investment | Not confirmed | €20 |
| Portfolio types | Not confirmed | ETF, ESG |
Where each stands against the rest
| Fact | Capital.com | Scalable Capital | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Retail accounts that lose money | 65%lowest quarter | Not confirmed | 72.05% |
| Interest on cash | Not confirmed | 2.6%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Capital.com
Pros
- No account fee at all, which puts it joint first on that measure in our data (£0).
- No inactivity charge, also joint first in our data, so an unused balance is not quietly billed (£0).
- Stock trades cost $0 under a commission-free model.
Cons
- The minimum deposit of £20 is far higher than CFI, which asks for $0.
- Support runs on chat and help centre, so there is no phone line for questions about a leveraged position.
- Retail accounts lose 65% of money, and the market is open around the clock.
Scalable Capital
Pros
- A low entry point of €1 on the self-directed account
- Managed portfolios start from €20 with fees of 0.245% to 0.375%
- Regulated by the Federal Financial Supervisory Authority (BaFin) and deposits sit under EU ICS up to EUR 20,000
Cons
- Managed fees of 0.245% to 0.375% a year sit above the cheapest managed rivals
- Support runs on phone, chat and email only, with no branch or in-person service
- Managed portfolios are limited to etf and esg options, so there is no custom mandate
Who each suits
Capital.com
Who it suits
- Traders who want shares, forex, CFDs, crypto and bonds in one account
- UK residents who want FSCS protection alongside a CySEC regulated entity
- People who keep a balance and would otherwise pay inactivity fees
Who should look elsewhere
- eToro, if you want a social platform with copy trading
- Vantage, if you would rather start from a smaller deposit of $5
Scalable Capital
Who it suits
- New investors who want to build a portfolio in a mobile app from a small first deposit
- Savers with a lump sum who want a ready made ETF or ESG portfolio
- Investors who care more about a named regulator and deposit protection than the lowest management fee
Who should look elsewhere
- You want a wider choice of instruments, as stocks, etfs and crypto is a single market cluster rather than a full exchange list
- You need advice built around you, because managed portfolios cover only etf and esg options
- You are comparing the very lowest managed fee, since 0.245% to 0.375% is not the cheapest on the market
Questions about each
Capital.com
What is the minimum deposit at Capital.com?+
The minimum deposit is £20 in the UK. That is higher than CFI at $0 and Vantage at $5. Clients who want a smaller opening balance may prefer a rival on that measure.
What does it cost to open and hold an account?+
There is no account fee, so the account costs £0. There is also no inactivity charge, at £0. Both rank the brand joint first on our data, so an unused balance is not billed.
Scalable Capital
What is the minimum deposit to start investing?+
The self-directed account takes a minimum deposit of €1, so you can open and fund it from a small amount. That entry point is well below the typical requirement, which is one of the reasons people try the app first. You can add to it as your savings grow.
How much does the managed portfolio cost?+
Management fees run at 0.245% to 0.375% a year on the managed side, charged on the portfolio rather than per trade. That sits above the cheapest managed plans elsewhere, so it pays to compare before committing a large lump sum. Smaller pots feel the percentage more.
Other options to compare
Other matchups
- Capital.com vs Exness
- Capital.com vs iFOREX
- Capital.com vs Plus500
- Capital.com vs FxPro
- Capital.com vs VT Markets
- Capital.com vs BMO InvestorLine
- Capital.com vs ChoiceTrade
- Capital.com vs IC Markets
- Capital.com vs IG
- Capital.com vs Freedom24
- Capital.com vs Saxo
- Capital.com vs ActivTrades
- Capital.com vs XTB
- Scalable Capital vs NAGA
- Capital.com vs Mintos
- Capital.com vs Bitpanda
- Capital.com vs Robinhood
- Capital.com vs CapTrader
- Capital.com vs BlackBull Markets