Why look for a Scalable Capital alternative?
Scalable Capital is one of Germany’s best-known neobrokers: ETFs, stocks and, from its Scalable Crypto section, crypto ETPs tradable on regulated exchanges (Xetra, gettex) from €1, with no extra wallet per de.scalable.capital/en/crypto. Scalable Capital Bank GmbH operates as a German broker and bank under BaFin supervision — a securities product, not a MiCA crypto exchange.
The distinction matters: a bitcoin ETP is a security in your securities account — not withdrawable satoshis by default. Scalable confirms in its FAQ that direct withdrawal to a private wallet is not supported at the broker. In this guide we compare Scalable Capital and Bit2Me for anyone seeking “crypto” in Europe who needs to understand ETP vs real asset under MiCA — and what each route costs.
Scalable Capital shines on ETFs and stocks with low fees on its German broker; its crypto section is an add-on via ETPs from Scalable Capital, not a native exchange. If your goal is self-custody, paying with Card, using Earn or filing with Tax, you need a CASP like Bit2Me — not an ISIN in a depot with exchange hours.
Why so many people doubt Scalable Capital
ETP ≠ withdrawable crypto
Scalable Broker custodies ETPs; on-chain withdrawal not supported — only exceptional issuer redemption with extra KYC.
0.99% surcharge + market hours
Crypto spread surcharge 0.99% (FREE) or 0.69% (PRIME+); ETPs only during market hours, not 24/7.
BaFin broker, not MiCA crypto CASP
German investment-firm regulation for securities; different from the CASP framework for crypto-asset custody.
Public record
Reputation and documented facts about Scalable Capital
Sanctions, incidents or controversies recorded in official sources or verifiable media. Bit2Me does not pass judgment: we cite public facts.
After the FTX collapse, ESMA reminded EU crypto firms they need MiCA authorisation and strengthened scrutiny on custody and retail risk communication — the context in which Scalable Capital expanded its crypto offering in Germany.
Source: esma.europa.eu
These records do not rule out the competitor being suitable in other contexts; they are part of the due diligence worth doing before depositing funds.
Verdict
Scalable Capital wins if you want crypto as one more line in a German ETF broker — BaFin ETPs from €1, savings plans and no wallet management, accepting Xetra hours and issuer risk. Bit2Me wins if you want real bitcoin withdrawable to Ledger, 24/7 spot, Earn, Card or Tax under the CNMV. Keep Scalable for index funds and open Bit2Me for the native crypto slice — they are not mutually exclusive, but do not confuse ISIN with satoshis. If “holding” crypto means an on-chain address → Bit2Me; if it means market exposure in a depot → Scalable.
Regulated by the CNMV · Support in your language · +1 million users · Promotion subject to terms
Scalable Capital vs Bit2Me: comparison
The dimensions that matter most to a retail user in Europe.
Before products: trust
Who you really deal with: Bit2Me vs Scalable Capital
An exchange isn't chosen on price or catalogue alone. Look at who answers for your money, from where and with what backing.
Bit2Me- Real HQ
- Spain (EU) — parent company, not a subsidiary
- Supervised by
- CNMV (Spain), under MiCA
- Operating since
- 2014, with no security incidents
- Who's behind it
- Backed by Tether, Telefónica, Bankinter and other institutions
Scalable Capital- Real HQ
- Germany (EU).
- Supervised by
- BaFin (Germany) — asset manager/broker; crypto via ETPs.
- Operating since
- 2014
- Who's behind it
- German private company; institutional investors.
| Feature | Bit2Me | Scalable Capital |
|---|---|---|
| Regulation and licencesDecisive | Bit2Me:Bit2Me advantageMiCA CNMV CASP; Scalable is a BaFin ETP broker, not a crypto CASP. | Scalable Capital:Scalable Capital Bank GmbH — BaFin broker/bank; crypto via ETPs, not MiCA crypto CASP. |
| Real HQ & jurisdictionDecisive | Bit2Me:Bit2Me advantageA Spanish company headquartered in Spain (EU): you contract, file claims and are supervised before the CNMV, with no intermediary subsidiaries. | Scalable Capital:German robo-advisor; crypto as ETP in portfolio, not a CNMV CASP exchange. |
| SecurityDecisive | Bit2Me:Bit2Me advantageMostly cold storage, $150M Custody policy and on-chain withdrawal; Scalable custodies ETPs with issuer risk. | Scalable Capital:ETPs in securities account with issuer risk; underlying custodied by issuer, not user wallet. |
| Data protection (GDPR)Decisive | Bit2Me:Your data is processed in the EU under the GDPR, with the safeguards of the European data-protection framework. | Scalable Capital:EU company under GDPR. |
| Customer supportDecisive | Bit2Me:Bit2Me advantageWithout chat-only: multilingual support for SEPA and blockchain; Scalable DE/EN FAQ for ISIN and Xetra hours. | Scalable Capital:DE/EN broker FAQ for ETPs; no Spanish on-chain crypto line. |
| Buy in euros (SEPA/card)Decisive | Bit2Me:Bit2Me advantageFree SEPA deposit to the CASP exchange; Scalable deposits to securities account for ETPs. | Scalable Capital:Fiat deposit to securities account to buy ETPs; no direct crypto spot exchange. |
| Products and servicesDecisive | Bit2Me:Bit2Me advantageReal assets + Earn/Card/Tax; Scalable only ETPs in securities account. | Scalable Capital:32 cryptos via ETPs + ETFs/stocks; no Earn, Card or real crypto Tax. |
| Withdraw to your own walletDecisive | Bit2Me:Bit2Me advantageStandard on-chain withdrawal; Scalable does not support private wallet at broker. | Scalable Capital:Private wallet withdrawal not supported at broker (exceptional issuer redemption only). |
| FeesDecisive | Bit2Me:Bit2Me advantageCompetitive fees: up to 0% maker / 0.10% taker on liquid Pro pairs; 0.1%–0.95% standard depending on the pair. | Scalable Capital:From €0.99/trade + 0.99% crypto surcharge (FREE) plus ETP TER. |
| Ease of use | Bit2Me:Full crypto app with Pro, Wallet and Academy in Spanish. | Scalable Capital:Very polished ETF/ETP broker for the traditional German investor. |
Bit2MeHow we made this comparison
We analyse regulation, security, support, fees and catalogue using public, verifiable information from both platforms, updated as of July 1, 2026. Bit2Me is the platform publishing this page, so we have deliberately included points where the competitor stands out, and we recommend always checking the data on the official websites before deciding.
Sources consulted (July 1, 2026)
Regulated by the CNMV · Support in your language · +1 million users
Why Bit2Me lets you sleep at night
When both platforms can be regulated in Europe, the decision moves to practical trust: where you contract, who answers you, how you move euros, and how easy it is to resolve a problem.
Crypto that doesn't stain you
Bit2Me complies with KYC/AML and is registered with the Bank of Spain: your operations don't mix with illicit-origin funds on a supervised platform.
Headquartered in Spain, not a tax haven
Bitcoinforme S.L. operates under European law with the CNMV as its direct supervisor.
Free, automatic tax report
Download it from the app or web for every tax year you've traded, at no extra cost. It generates itself from your activity.
No security incidents since 2014
Five consecutive independent audits back our operational soundness.
Human support in your language
24/7 support in your language, with a phone line (+34 910 91 37 88) and people — not bots — answering from Spain.
A platform that doesn't go down
Multi-region high availability, 24/7, 365 days a year, with ~100 ms average response.
Your funds, when you decide
Withdraw to your own wallet at any time. No lock-in, no penalty.
$150M insurance on custody
Assets in Bit2Me Custody are insured for $150M (USD), with segregated cold storage and multisig + HSM FIPS 140-2.
BaFin broker with ETPs vs MiCA CNMV CASP: two different products
Scalable Capital Bank GmbH operates as a German broker and bank under BaFin supervision. Its crypto offering is Crypto ETPs — listed products tracking BTC, ETH or other assets — held in your securities account, not as transferable MiCA crypto-assets. Its own site warns of issuer risk, volatility and limited market hours.
Bit2Me is authorised as a MiCA CASP by the CNMV in Spain. Buying, custoding, exchanging and withdrawing real crypto-assets is the core of the contract. If your question is “where do I buy bitcoin I can send to my Ledger?”, the regulatory answer points to a CASP, not an ETP broker — the dossier wedge: an ETP is not withdrawable crypto.
Scalable Capital complies as a BaFin broker — no trick involved. But anyone searching “crypto” on Google and ending up with an ISIN needs to understand the difference before depositing: security product ≠ withdrawable MiCA crypto-asset.
ETFs and ETPs at Scalable vs Bit2Me crypto suite
Scalable Capital built its brand on ETFs and stocks with savings plans from €1, competitive broker fees and the Scalable Crypto section with Crypto ETPs from issuers such as CoinShares. It excels if you want a diversified portfolio in a BaFin German depot — worth saying plainly.
Bit2Me concentrates over 400 real cryptocurrencies, a Pro terminal, Earn, Card, Loan, Tax and on-chain withdrawal under the CNMV. If your use evolves from “ETP exposure” to “trading altcoins, paying by card or filing taxes”, the exchange suite makes the difference — an ETP does not scale to those use cases.
Many users start on Scalable Capital for ETFs and discover that “buying crypto” there is an ISIN, not a wallet. Bit2Me does not compete with the fund broker; it competes when the broker falls short for native crypto, on-chain withdrawal and 24/7 operations.
ETP holdings vs on-chain crypto custody at Bit2Me
At Scalable Capital “crypto assets” are ETP holdings with issuer risk: if the issuer fails and collateralisation falls short, you can suffer total loss per its crypto page. Underlying coins are custodied by issuers and specialised custodians — you do not control keys or a deposit address at the broker.
Bit2Me is built around real crypto custody: funds mostly in cold storage, Bit2Me Custody assets insured under a $150 million policy, no security incidents since 2014 and ISO certifications. You can withdraw on-chain whenever you want — impossible with an ETP in your depot by default.
ETP issuer risk is real and Scalable Capital documents it — an honest concession. The Bit2Me wedge does not deny the broker; it offers crypto custody with a published policy when your yardstick is “who returns my money if something fails?”.
€0.99/trade + crypto surcharge vs Bit2Me Pro fees
Scalable Capital publishes on its crypto page: €0.99 per trade on FREE broker (€0 on PRIME+ for trades ≥€250), plus a 0.99% crypto spread surcharge (0.69% on PRIME+) in addition to ETP costs (product TER, e.g. 0.15% p.a. on CoinShares Physical Bitcoin). Crypto savings plans from €1 compete on simplicity, not transparent total spot cost.
Bit2Me publishes the spot breakdown: Pro up to 0% maker / 0.10% taker on liquid pairs and free SEPA deposits on real assets. On €1,000 at 0.10% taker you pay €1 and receive custodied withdrawable bitcoin — no issuer TER or Xetra hours.
At Scalable Capital, €1,000 with a 0.99% surcharge adds ~€9.90 plus €0.99 trade on the FREE plan — before the ETP’s annual TER. Operating outside Xetra or gettex hours is simply not possible; crypto spot at Bit2Me does not close when the German exchange closes.
What do you really pay?
Move the amount and compare Bit2Me Pro with Scalable Capital's published retail fee.
On Bit2Me Pro (liquid pairs, 0.10% taker)
€1.00
Down to 0% when trading as maker.
On Scalable Capital FREE (0.99% crypto spread surcharge)
€9.90
Plus €0.99/trade on FREE broker and ETP TER (e.g. 0.15% p.a.). PRIME+ lowers the surcharge.
Fee savings
€8.90
90% less on this trade
Indicative trading fees only — excludes spread, gas and deposit/withdrawal charges. Always cross-check Scalable Capital's official pricing.
German broker FAQ vs CNMV crypto Without chat-only: multilingual support
Scalable Capital routes crypto help to its German/English FAQ centre: questions on ETPs, ISINs, market hours and exceptional physical redemption via the issuer. Issues like “what is my BTC address?” do not apply — there is no wallet at the broker.
Bit2Me adds Without chat-only: multilingual support with a team that knows SEPA, CNMV rules, blockchain networks and on-chain withdrawals. If your issue is picking a network for USDT or understanding a withholding, a specialised CASP complements what an ETP broker cannot do.
Asking Scalable Capital “what is my BTC deposit address?” clashes with its FAQ: it does not apply. Asking “which network do I use to withdraw USDT?” does apply at Bit2Me — there the native crypto support comparison ends.
ETP in depot or BTC in wallet? The most common confusion
Many users search “buy bitcoin” and end up with an ISIN in a securities account without knowing they cannot send satoshis to anyone — except an exceptional issuer process, with AML documentation and separate fees, per Scalable Capital’s FAQ.
Bit2Me concentrates spot purchase, custody and on-chain withdrawal in a CASP flow designed for it. If you want self-custody, payments with Card, Earn or filing with Tax, you need a real asset — not an exchange-traded tracker during Xetra hours.
Scalable Capital fits if you want crypto exposure inside an ETF broker with BaFin-regulated ETPs — accepting market hours and issuer risk. Bit2Me fits if you want to operate 24/7, withdraw to Ledger and talk to crypto Without chat-only: multilingual support.
What switching from Scalable Capital to Bit2Me costs
Migrating from Scalable Capital means selling your crypto ETPs at the broker — you receive euros in the securities account, not transferable BTC — then depositing via SEPA at Bit2Me to rebuy real assets. Selling the ETP may trigger gains; there is no direct on-chain path at the broker.
The arrival leg at Bit2Me costs nothing: free account, SEPA deposit with no fee and Pro with no paid plan. Without chat-only: multilingual support guides you through spot rebuy and the first withdrawal to your wallet — impossible with an ETP in your depot.
There is a common in-between profile: someone who already holds crypto ETPs on Scalable Capital and does not want to close the broker for their ETFs. You can keep Scalable Capital for index funds and open Bit2Me only for the native crypto slice — they are not mutually exclusive, but do not confuse ISIN with satoshis.
Which one to choose? It depends on your profile
Bit2Me — pros
- MiCA CNMV CASP versus BaFin broker selling ETPs, not transferable crypto.
- On-chain withdrawal to your own wallet — not supported at Scalable Broker by default.
- 24/7 spot trading versus ETPs with limited market hours.
- Custody with a $150 million policy on real assets.
- Without chat-only: multilingual support for SEPA and blockchain incidents.
Scalable Capital — things to consider
- Crypto access via regulated ETPs inside a well-known German ETF broker.
- Crypto savings plans from €1 without managing wallet or private keys.
- Does not sell or custody on-chain withdrawable crypto-assets at the broker.
- Market hours, ETP issuer risk and additional crypto surcharge.
When to choose Scalable Capital?
- You want crypto as one more line in an ETF/stock broker without managing a wallet — accepting ETPs and market hours.
- You value crypto savings plans from €1 in BaFin-regulated listed products.
If, on the other hand, you are looking for a Scalable Capital alternative because you care about European regulation, predictable fees, the safety of your funds and support in your language, Bit2Me addresses exactly those needs.
What you gain switching from Scalable Capital
From depot ETP to withdrawable BTC
Withdrawable BTC/EUR; Scalable only ETPs in depot.
From BaFin broker to crypto CASP
Crypto CASP; Scalable is a BaFin securities broker.
Without ETP Xetra/gettex market hours
Trade outside ETP Xetra/gettex market hours.
From securities depot to CASP exchange
Direct euro deposit to the CASP exchange.
A voice, not German ISIN tickets
On-chain support, not German ISIN tickets.
Without staying with broker ETPs
Earn, Card, Loan and Tax impossible with broker ETPs.
Switch from Scalable Capital to Bit2Me
Open your account in minutes: euros via SEPA, full CNMV oversight and support in your language when you need it.
15€ welcome bonus when you create your account and buy €100 or more in crypto. Promotion subject to terms.
Regulated by the CNMV · Support in your language · +1 million users
How to switch from Scalable Capital to Bit2Me
Sell your crypto ETPs on Scalable Capital per your strategy (you receive euros in the securities account, not transferable BTC).
Create your free Bit2Me account and verify your identity (KYC) in minutes.
Deposit euros via free SEPA transfer and buy real crypto-assets on Bit2Me Pro or simple purchase.
Questions? Phone support in your language walks you through it. Withdraw to your wallet when you want — impossible with an ETP in your depot.
15€ free when you create your account and buy €100 or more in crypto
Regulated by the CNMV · Support in your language · +1 million users
What they say about Bit2Me and who backs us
4.2/5
“One of the most reliable exchanges in the world, based on an analysis of 40+ indicators: fiscal headquarters, transparency, asset protection and user experience.”
“The Good Exchange: the most easy, secure and complete crypto exchange.”
Frequently asked questions
Conclusion
Scalable Capital fits if you want crypto exposure inside an ETF broker with regulated ETPs — accepting market hours, issuer risk and no on-chain withdrawal. But if you want to buy, custody and withdraw real crypto-assets in Europe under the CNMV, with free SEPA and Without chat-only: multilingual support, Bit2Me is the Scalable Capital alternative for real crypto. Opening an account is free and takes minutes.
Data accuracy
This comparison draws on publicly available information on the internet — official fee schedules, regulator registers and verifiable announcements — and was cross-checked on July 1, 2026. If you spot an error or outdated figure, contact us and we will review it.
