Updated September 29, 2026 · BrokerCue Editorial Team
Fidelity vs Scalable Capital
Fidelity vs Scalable Capital: the differences
| Compare |  Fidelity |  Scalable Capital |
|---|---|---|
| Minimum deposit | $0 | €1 |
| Markets | Stocks, ETFs, Options, Bonds, Funds, Futures, Forex | Stocks, ETFs, Crypto |
| Regulators | SEC, FINRA, SIPC | Federal Financial Supervisory Authority (BaFin) |
| Investor protection | SIPC up to USD 500,000 | EU ICS up to EUR 20,000 |
| Stock trade fee | $0 | Not confirmed |
| Account fee | $0 | Not confirmed |
| Inactivity fee | $0 | Not confirmed |
| Margin rate | 12.375% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Account types | IRA, Roth IRA, Joint | Not confirmed |
| Interest on cash | Not confirmed | 2.6% |
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Key differences
- Fidelity scores higher overall: 9.5 vs 9.0.
- Regulators: only Fidelity offers SEC, FINRA, SIPC.
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Founded is lower at Fidelity: 1946 vs 2014.
- Markets: only Fidelity offers Options, Bonds, Funds.
- Markets: only Scalable Capital offers Crypto.
- Support channels: only Fidelity offers Community.
- Support channels: only Scalable Capital offers Chat, Email, Help centre.
- Features: only Fidelity offers Fractional shares, Demo account, Crypto.
Our verdict on each
Fidelity
Fidelity is a US brokerage that suits investors who want to hold and trade without a standing charge: its minimum deposit, account fee and inactivity fee all sit at $0, $0 and $0. Stock dealing is commission-free, with SIPC protection recorded as SIPC up to USD 500,000.
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 | Fidelity | Scalable Capital |
|---|---|---|
| Cost | 9.1Site ranks it 1 of 138 on account fee and 1 of 161 on stock trade fee. | 9.3Higher |
| Offer | 9.5Higher | 9.3Cash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. |
| Trust | 9.8Higher | 8.6 |
Side by side, item by item
| Markets | Fidelity | Scalable Capital |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Crypto | No | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
How they place
| Ranking | Fidelity | Scalable Capital |
|---|---|---|
| Stock and ETF brokers | 46 of 471 | 147 of 471 |
| Robo-advisors | 13 of 151 | 56 of 151 |
Licences and countries
| Country | Fidelity | Scalable Capital |
|---|---|---|
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 |
| United States | SIPC SIPC member 23292 | Not confirmed |
Sources behind this comparison
Fidelity
- brokerage-review.com: 6 facts, checked September 26, 2026
- editorialge.com: 5 facts, checked September 26, 2026
- en.wikipedia.org: 4 facts, checked September 26, 2026
- fidelity.com: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, 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 | Fidelity | Scalable Capital |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile app, Crypto, Options, FuturesCovers more | Mobile app |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners, Experienced | Not confirmed |
| Legal entity | FIDELITY BROKERAGE SERVICES LLC | Scalable Capital Bank GmbH |
| Headquarters | United States | Germany |
| Founded | 1946Lower | 2014 |
| Support channels | Phone, Community | Phone, Chat, Email, Help centre |
Robo-advisors
| Fact | Fidelity | Scalable Capital |
|---|---|---|
| Management fee | Not confirmed | 0.245% to 0.375% |
| Minimum investment | Not confirmed | €20 |
| Portfolio types | ETF, ESG, CryptoCovers more | ETF, ESG |
Where each stands against the rest
| Fact | Fidelity | Scalable Capital | Median |
|---|---|---|---|
| Stock trade fee | $0at the median | Not confirmed | $0 |
| Account fee | $0at the median | Not confirmed | $0 |
| Inactivity fee | $0at the median | Not confirmed | $0 |
| Margin rate | 12.375%highest quarter | Not confirmed | 8.75% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
| Interest on cash | Not confirmed | 2.6%below the median | 3% |
Median across 91 listed brokers.
Pros and cons
Fidelity
Pros
- Costs sit at the floor: stock trade fee $0, account fee $0, inactivity fee $0 and minimum deposit $0
- The client entity is listed on the SIPC register as SIPC member 23292, with protection recorded at SIPC up to USD 500,000
- Account types cover retirement and shared holdings: ira, roth ira and joint
Cons
- Support runs on phone and community only, so that list carries no chat or email channel
- Options contracts cost $0.65 each, the main charge where stock dealing is free
- Margin borrowing is priced at 12.375%, a cost on top of the free equity dealing
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
Fidelity
Who it suits
- Retirement savers, since ira, roth ira and joint are all listed as account types
- Buyers investing small amounts, as fractional shares sit in fractional shares, demo account and mobile app
- Traders who want stocks, bonds, funds, options, futures and forex in one place, as stocks, etfs and options shows
Who should look elsewhere
- Traders who want CFDs, since stocks, etfs and options leaves them out and CFI lists stocks, etfs and forex
- Anyone who prefers a required opening deposit, since $0 sets none where Vantage asks $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
Country by country
| Country | Fidelity | Scalable Capital |
|---|---|---|
| United States | Yes | No |
Questions about each
Fidelity
What does it cost to trade stocks at Fidelity?+
Stock dealing is commission-free, with a stock trade fee of $0. The account fee is $0 and the minimum deposit is $0, so there is no standing charge to hold the account. Options contracts are the exception, at $0.65 each.
Is there an inactivity fee if I stop trading?+
The inactivity fee is $0, so an idle account is not charged for sitting still. On the site it ranks 1 of 56 brands measured for that fee. With the account fee at $0, a dormant account carries no listed running cost.
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.
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