It depends entirely on whether you buy manually or through a plan. On manual orders XTB is cheaper at any frequency: 0% commission up to €100,000 of cumulative monthly turnover, against a flat €1.99 per order at Scalable Capital on Xetra and gettex from 1 September 2026. That €1.99 applies on both the FREE and the PRIME+ plan, so there is no trade count at which the €4.99 PRIME+ subscription pays for itself on commission. On automated plans the two are level: XTB Investment Plans and Scalable savings plans both execute at €0. The comparison only holds if your XTB account sits with XTB S.A., because XTB Limited (Cyprus) offers no real shares or ETFs at all.

XTB is not one broker. XTB S.A. is regulated by the KNF in Poland and offers real stocks, ETFs, Fractional Rights and Investment Plans. XTB Limited (Cyprus) is regulated by CySEC and offers none of them — only CFDs, options and spot crypto, which is confirmed by the structural absence of any organised market instruments section from the Cyprus fee tables. Germany and Poland route to XTB S.A. XTB publishes no routing table for other EEA states, and a Dutch IP has been served a Cyprus assignment. Check which entity your account agreement names before you deposit. Every 0% commission figure on this page describes XTB S.A. only.

Yes, for clients taxable in Germany. Scalable Capital Bank GmbH applies the Freistellungsauftrag, capped at €1,000 for an individual and €2,000 jointly, withholds 25% Kapitalertragsteuer plus the 5.5% solidarity surcharge and church tax where applicable, and issues an annual Jahressteuerbescheinigung, normally by the end of April. Outside Germany, Scalable states that it may commission a report of tax-relevant income at no additional charge, but it does not withhold and gives no warranty as to content. XTB does not withhold for EU clients, and its own client documents describe no annual tax pack — treat XTB as a declaratory broker in every EU country.

Both offer fractional exposure and both restrict it, in different ways. XTB Fractional Rights are a fiduciary right held under a trust agreement with XTB rather than direct ownership. They cannot be traded or transferred to anyone else and cannot be moved to another account, which blocks any in-specie transfer out. Scalable Capital does not offer fractional shares on manual orders at all — fractional positions arise only inside savings plans from €1, they route to the European Investor Exchange, and an individual fraction cannot be sold on its own. The whole position must be liquidated to exit.

Scalable Capital pays 2.60% p.a. on its Overnight account, on unlimited cash, on both plans, calculated daily and paid monthly. Cash left in the broker clearing account earns 0%, so the money has to be actively moved into the Overnight account to earn anything. XTB pays interest automatically on uninvested funds with no minimum or maximum balance, but XTB sets the rate weekly under its terms of business, tiers it by assets under management, and it differs by entity and by account currency. XTB publishes the current rate on its interest page, which is the only reliable place to read it. Both rates are variable.

Scalable Capital, on flexibility. Savings plans start at €1, execute at €0 on both plans, run across five intervals on nine selectable days of the month, cover ETFs, shares, crypto ETPs and funds, and carry an optional inflation uplift of 2%, 3%, 5% or 8% applied pro rata after each execution. XTB Investment Plans are also free to run with no management or custody fee, and up to ten can run at once, but they hold ETFs only, they can be created only in the XTB mobile app, and XTB gives two different answers on the minimum: its UK FAQ states there is no single lower limit because it depends on the ETFs in the plan, while its international page states 15 USD or the account-currency equivalent.

Both are regulated in the EEA and both segregate client assets, but the protections cover different things and are not directly comparable. Scalable Capital Bank GmbH is authorised by BaFin and supervised by BaFin and the Deutsche Bundesbank. Cash carries the German statutory deposit guarantee of €100,000 per bank, extended on PRIME+ to up to 5 × €100,000 across Scalable and four partner banks — though a balance may also sit entirely with one bank or one money market fund. Securities are held in collective safe custody at Clearstream where the client acquires co-ownership, which is a different mechanism from deposit insurance. XTB S.A. is regulated by the KNF in Poland and is listed on the Warsaw Stock Exchange. XTB does not state an investor compensation figure in any of its fee tables, so do not rely on a number you have read elsewhere.