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Scalable Capital vs XTB: fees, markets and protection

Facts for both companies from their official pages; each was checked on the date shown in its review.

Facts verified on October 28, 2026

Key differences

Only Scalable Capital lists European Investor Exchange (Hanover Stock Exchange), gettex (Munich Stock Exchange), and Xetra (Deutsche Börse).
Only XTB lists US exchanges (NYSE, Nasdaq).
Only XTB is licensed by KNF, CNMV, ACPR, CMVM, CySEC, FSC Belize, DFSA, and CMF (Chile).

Criterion	Scalable Capital	XTB
Rating	4.5/5 on other platforms 122.4K ratings	4.5/5 on other platforms 186K ratings
Regulators	BaFin	KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, CMF (Chile)
Minimum deposit	No minimum	No minimum
Markets	European Investor Exchange (Hanover Stock Exchange), gettex (Munich Stock Exchange), Xetra (Deutsche Börse)	US exchanges (NYSE, Nasdaq)
Products	stocks, ETFs, bonds, funds	stocks, ETFs, fractional shares
US stock or ETF order	€0.99 per order	€0 per order
Investor protection	Entschädigungseinrichtung deutscher Banken (statutory deposit guarantee)	Protection of uninvested funds
Deposits and withdrawals	Bank transfer	Visa / Mastercard, Bank transfer, PayPal
Available only in	Germany, Austria, Italy, France, Spain, Netherlands	Angola, Bermuda, Georgia, North Macedonia, Malaysia, Mauritania +40
Founded	2014	—
Headquarters	Germany	—
Currency conversion fee	—	0.5%
	Read review	Read review

What is the minimum deposit at Scalable Capital and XTB?

Scalable Capital: €0. XTB: $0.

Which regulators license Scalable Capital and XTB?

Scalable Capital is licensed by BaFin; XTB by KNF, CNMV, ACPR, BaFin, CMVM, CySEC, FSC Belize, DFSA, and CMF (Chile).