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Broker 1

Broker 2

VS field	Scalable Capital scalable.capital Stock BrokerETF BrokerMutual Fund	Charles Schwab schwab.com Stock BrokerETF BrokerMutual Fund
Decision summary

Trust score	91	100

Cost score	90	92

Platform score	86	94

Withdrawal score	78	89

Best for	Long-term ETF savings-plan investors · German/EU residents seeking a low-cost neobroker · Investors wanting app/web access to stocks, ETFs, funds, bonds and ETPs	Best suited for U.S.-centric investors and active traders who want a large, bank-affiliated multi-asset brokerage with $0 online listed stock/ETF commissions, strong platform dept…

Watch out	Needs verification	Needs verification

Trust & regulation
Regulators	Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business. Source	SEC; FINRA; SIPC; CFTC; NFA; FDIC Source
License numbers	Commercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record. Source	Charles Schwab & Co., Inc. CRD 5393; SEC 801-29938 and 8-16514 Source
Regulated entities	Scalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank. Source	Charles Schwab & Co., Inc.; Charles Schwab Futures and Forex LLC; Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB Source
Negative balance protection	No CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks. Source	Not disclosed as retail brokerage negative balance protection; futures/forex are leveraged and losses may exceed initial investment. Source
Investor compensation	Cash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value. Source	SIPC protection up to $500,000 including a $250,000 cash limit for brokerage account assets; futures accounts are not protected by SIPC. Source
Restricted countries	Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules. Source	Not all products, services, or investments are available in all countries; Schwab is not registered outside the United States and products/services may not be registered in a user's jurisdiction. Source

Trust & regulation

Regulators

Supervised by BaFin and Deutsche Bundesbank; ECB authorised deposit and lending business.

Source

SEC; FINRA; SIPC; CFTC; NFA; FDIC

Source

License numbers

Commercial register HRB 217778. BaFin permission is disclosed, but no numeric BaFin register/license number was found in checked official sources. LEI 391200Y3EUNL4LTXRP94 found via Bloomberg LEI record.

Source

Charles Schwab & Co., Inc. CRD 5393; SEC 801-29938 and 8-16514

Source

Regulated entities

Scalable Capital Bank GmbH is a German credit institution permitted by BaFin to provide banking and investment services and supervised by BaFin and Deutsche Bundesbank.

Source

Charles Schwab & Co., Inc.; Charles Schwab Futures and Forex LLC; Charles Schwab Bank, SSB; Charles Schwab Premier Bank, SSB

Source

Negative balance protection

No CFD/forex margin negative-balance-protection claim found; Scalable is primarily execution-only securities/ETP broker plus credit product. Credit-financed investments carry repayment and margin-call risks.

Source

Not disclosed as retail brokerage negative balance protection; futures/forex are leveraged and losses may exceed initial investment.

Source

Investor compensation

Cash protection depends on allocation: statutory deposit guarantee up to €100,000 per bank/client, PRIME+ up to 5 x €100,000 across banks, or UCITS standards for qualifying money market funds; investments can lose value.

Source

SIPC protection up to $500,000 including a $250,000 cash limit for brokerage account assets; futures accounts are not protected by SIPC.

Source

Restricted countries

Service is aimed at residents in Germany, Austria, Italy, Spain, metropolitan France and the Netherlands; applicants must not be subject to US taxation / US person rules.

Source

Not all products, services, or investments are available in all countries; Schwab is not registered outside the United States and products/services may not be registered in a user's jurisdiction.

Source

Costs & account conditions
Minimum deposit	No broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount. Source	$0 minimum for standard U.S. brokerage and IRA accounts; Schwab One International accounts require a minimum deposit but amount is not disclosed in checked official pages. Source
Spread from	Crypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may apply. Source	Not applicable to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources. Source
Commission	FREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee. Source	stock_commission: $0 online commission for listed stocks and ETFs; OTC equities $6.95; broker-assisted service charge $25; etf_commission: $0 online commission for listed U.S.-exchange ETFs; options_commission: $0 online base commission plus $0.65 per options contract; futures_commission: $2.25 per contract, per side, for futures and futures options; exchange, regulatory, overnight, NFA, and market-data fees may apply; mutual_fund_commission: $0 on thousands of Schwab Mutual Fund OneSource funds; all other mutual funds up to $74.95 per purchase; bond_commission: New-issue bonds/CDs: $0 online/selling concession included; Treasuries online $0; most other secondary bonds $1 per bond with $10 minimum and $250 maximum; forex_commission: $0 commission; forex trade costs are reflected in the bid/ask spread Source
Maximum leverage	No retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering. Source	Not disclosed as a single broker-level maximum; leverage/margin depends on product, account approval, and regulatory/product requirements. Source
Deposit fee	Transfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free. Source	$0 for funds entering a standard brokerage account; banking deposit services generally no monthly/account minimum fees, but certain services can have fees Source
Withdrawal fee	No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated. Source	No fee for routine withdrawals from standard brokerage per FAQ; full outbound ACAT $50 and outgoing wire $25; Schwab Bank Investor Checking has unlimited ATM fee rebates for cash withdrawals worldwide, subject to conditions. Source
Inactivity fee	No inactivity fee was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee. Source	$0 annual maintenance/inactivity fee for standard brokerage accounts Source

Costs & account conditions

Minimum deposit

No broker minimum deposit to open; reference-account verification can be done with €1. Broker and ETF/stock/crypto/fund savings plans start from €1; Overnight has no minimum deposit; Wealth starts from €20 monthly savings amount.

Source

$0 minimum for standard U.S. brokerage and IRA accounts; Schwab One International accounts require a minimum deposit but amount is not disclosed in checked official pages.

Source

Spread from

Crypto ETP spread surcharge: 0.99% FREE, 0.69% PRIME+. Other product costs, spreads, crypto fees and/or inducements may apply.

Source

Not applicable to this stock/ETF investment broker profile; no CFD/FX spread schedule identified as a core product in reviewed sources.

Source

Commission

FREE: €0.99 per trade on EIX/gettex except PRIME ETFs from €250; PRIME+: €0 per eligible trade from €250 and €0.99 below €250; all savings plan executions €0; Xetra €3.99 plus venue fee.

Source

stock_commission: $0 online commission for listed stocks and ETFs; OTC equities $6.95; broker-assisted service charge $25; etf_commission: $0 online commission for listed U.S.-exchange ETFs; options_commission: $0 online base commission plus $0.65 per options contract; futures_commission: $2.25 per contract, per side, for futures and futures options; exchange, regulatory, overnight, NFA, and market-data fees may apply; mutual_fund_commission: $0 on thousands of Schwab Mutual Fund OneSource funds; all other mutual funds up to $74.95 per purchase; bond_commission: New-issue bonds/CDs: $0 online/selling concession included; Treasuries online $0; most other secondary bonds $1 per bond with $10 minimum and $250 maximum; forex_commission: $0 commission; forex trade costs are reflected in the bid/ask spread

Source

Maximum leverage

No retail CFD leverage schedule found. Scalable offers a secured credit product up to €250,000, variable borrowing rate charged quarterly, not a margin/CFD leverage offering.

Source

Not disclosed as a single broker-level maximum; leverage/margin depends on product, account approval, and regulatory/product requirements.

Source

Deposit fee

Transfer/direct debit deposits €0; Instant deposits cost 0.99% in FREE or 0.69% in PRIME+, with every additional euro above €5,000 free.

Source

$0 for funds entering a standard brokerage account; banking deposit services generally no monthly/account minimum fees, but certain services can have fees

Source

Withdrawal fee

No explicit withdrawal-fee line was found in checked official fee and FAQ pages; standard/instant withdrawal methods and timing are disclosed but pricing was not isolated.

Source

No fee for routine withdrawals from standard brokerage per FAQ; full outbound ACAT $50 and outgoing wire $25; Schwab Bank Investor Checking has unlimited ATM fee rebates for cash withdrawals worldwide, subject to conditions.

Source

Inactivity fee

No inactivity fee was found in checked official fee pages; fee page says FREE has no fixed payment and custody fees are €0, but does not explicitly state inactivity fee.

Source

$0 annual maintenance/inactivity fee for standard brokerage accounts

Source

Markets, platforms & payments
Tradable assets	Stocks, ETFs, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs. Source	Stocks; fractional shares; ETFs; mutual funds; bonds/CDs/fixed income; money market funds; options; futures; futures options; forex; international stocks/ADRs/foreign ordinaries; cash products; annuities; alternatives; crypto ETPs/securities/futures. Source
Trading platforms	Scalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible. Source	Schwab.com; Schwab Mobile; thinkorswim desktop; thinkorswim web; thinkorswim mobile; paperMoney Source
Account types	FREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s account. Source	Individual Brokerage; Joint Brokerage; Schwab One Brokerage; Investor Checking-linked brokerage; Futures Account; Global Account; IRAs; custodial, education, trust, estate, organization, and business retirement accounts; Schwab Intelligent Portfolios. Source
Deposit methods	Deposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers. Source	ACH/electronic transfer/MoneyLink; wire transfer; check/mail check; Schwab Mobile Deposit for checking; direct deposit for checking; account transfer/ACAT; branch/in-person deposit where available. Source
Withdrawal methods	Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal. Source	Transfer to linked bank/checking; wire transfer; check; ATM/debit card for Schwab Bank Investor Checking; ACAT outbound account transfer. Source
Withdrawal processing time	Standard withdrawal 1-2 bank working days; SEPA instant within seconds; securities-sale proceeds withdrawable after two bank working days; direct-debit/Instant deposits have an eight-week security hold before withdrawal. Source	Cash moved from brokerage to linked Investor Checking is generally available in seconds, but weekend/after-hours transfers may not be available until the next business day; other withdrawal methods vary/not fully disclosed on checked pages. Source

Markets, platforms & payments

Tradable assets

Stocks, ETFs, funds, derivatives, bonds/fixed income, crypto ETPs, commodity/precious-metal/foreign-exchange ETPs and private equity via ELTIFs.

Source

Stocks; fractional shares; ETFs; mutual funds; bonds/CDs/fixed income; money market funds; options; futures; futures options; forex; international stocks/ADRs/foreign ordinaries; cash products; annuities; alternatives; crypto ETPs/securities/futures.

Source

Trading platforms

Scalable Broker can be used in app and on the web; registration via iOS or Android mobile app is possible.

Source

Schwab.com; Schwab Mobile; thinkorswim desktop; thinkorswim web; thinkorswim mobile; paperMoney

Source

Account types

FREE Broker, PRIME+ Broker, Scalable Wealth, Scalable Overnight account, Scalable Kid’s account.

Source

Individual Brokerage; Joint Brokerage; Schwab One Brokerage; Investor Checking-linked brokerage; Futures Account; Global Account; IRAs; custodial, education, trust, estate, organization, and business retirement accounts; Schwab Intelligent Portfolios.

Source

Deposit methods

Deposit methods include standard SEPA transfer, SEPA instant/Instant Payments, SEPA direct debit and internal transfers.

Source

ACH/electronic transfer/MoneyLink; wire transfer; check/mail check; Schwab Mobile Deposit for checking; direct deposit for checking; account transfer/ACAT; branch/in-person deposit where available.

Source

Withdrawal methods

Withdrawals to verified reference account by standard withdrawal or SEPA instant withdrawal.

Source

Transfer to linked bank/checking; wire transfer; check; ATM/debit card for Schwab Bank Investor Checking; ACAT outbound account transfer.

Source

Withdrawal processing time

Standard withdrawal 1-2 bank working days; SEPA instant within seconds; securities-sale proceeds withdrawable after two bank working days; direct-debit/Instant deposits have an eight-week security hold before withdrawal.

Source

Cash moved from brokerage to linked Investor Checking is generally available in seconds, but weekend/after-hours transfers may not be available until the next business day; other withdrawal methods vary/not fully disclosed on checked pages.

Source

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