Updated September 29, 2026 · BrokerCue Editorial Team
Scalable Capital vs Wealthify
What sets them apart
| Compare |  Scalable Capital |  Wealthify |
|---|---|---|
| Minimum deposit | €1 | £1,000 |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Bonds, Funds |
| Regulators | Federal Financial Supervisory Authority (BaFin) | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Not confirmed | No fees for deposits, withdrawals or transfers |
| Platforms | Not confirmed | Web, iOS app, Android app |
| Account types | Not confirmed | ISA, SIPP |
| Interest on cash | 2.6% | Not confirmed |
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Key differences
- Scalable Capital scores higher overall: 9.0 vs 8.8.
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Regulators: only Wealthify offers Financial Conduct Authority.
- Founded is lower at Scalable Capital: 2014 vs 2016.
- Markets: only Scalable Capital offers Crypto.
- Markets: only Wealthify offers Bonds, Funds.
Our verdict on each
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | Scalable Capital | Wealthify |
|---|---|---|
| Cost | 9.3Higher | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.3Cash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. | 9.4Higher |
| Trust | 8.6 | 8.7Higher |
Availability and regulation
| Country | Scalable Capital | Wealthify |
|---|---|---|
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 | Not confirmed |
Positions in our rankings
| Ranking | Scalable Capital | Wealthify |
|---|---|---|
| Stock and ETF brokers | 147 of 471 | 190 of 471 |
| Robo-advisors | 56 of 151 | 81 of 151 |
Side by side, item by item
| Markets | Scalable Capital | Wealthify |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Bonds | No | Yes |
| Funds | No | Yes |
Every fact side by side
| Fact | Scalable Capital | Wealthify |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Scalable Capital Bank GmbH | Wealthify Limited |
| Headquarters | Germany | United Kingdom |
| Founded | 2014Lower | 2016 |
| Support channels | Phone, Chat, Email, Help centre | Email, Chat, Phone, Help centre |
Robo-advisors
| Fact | Scalable Capital | Wealthify |
|---|---|---|
| Management fee | 0.245% to 0.375%Lower | 0.6% |
| Minimum investment | €20 | £1,000 to £5,000 |
| Portfolio types | ETF, ESG | ESG, Cash |
Where each stands against the rest
| Fact | Scalable Capital | Wealthify | Median |
|---|---|---|---|
| Interest on cash | 2.6%below the median | Not confirmed | 3% |
Median across 43 listed brokers.
Pros and cons
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
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
Who each suits
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
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
Questions about each
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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.
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