Not on individual orders, and the answer changed on 1 September 2026. Scalable Capital’s fee schedule from that date prices every individual order at EUR 1.99 on Xetra and gettex, on the FREE plan and on PRIME+ alike. DEGIRO charges EUR 1.00 all-in on its Core Selection on Tradegate, which is EUR 0.00 commission plus the EUR 1.00 handling fee, on purchases and sales alike. Currency or external product and spread costs may apply. So DEGIRO is cheaper on every manual order, at every trade frequency, on either Scalable plan, and there is no order count at which that reverses. Where Scalable still competes on cost is recurring investing: savings plan executions and automatic reinvestments cost EUR 0.00 on both plans, from EUR 1, and DEGIRO offers no recurring order type at all. Crypto ETPs are the exception to that zero and carry a spread surcharge. Investing involves risk of loss. This is not investment advice. Figures verified September 2026.

Not on order cost. From 1 September 2026 an individual order costs EUR 1.99 on Xetra and gettex on the FREE plan and on PRIME+ alike, so the EUR 4.99 monthly plan fee, billed monthly in advance, buys no order-cost advantage and no break-even point exists at any trade frequency. What PRIME+ does buy is a lower crypto ETP spread surcharge of 0.69 percent against 0.99 percent, the same reduction on Instant deposits, a different cash distribution arrangement and the feature set. Scalable’s binding client documents price a third plan, PRIME, at EUR 2.99 per month or EUR 35.88 per year billed annually in advance, and that plan appears neither on the fee page nor in the in-app plan switcher. No Scalable source states whether it can still be held or by whom, so treat it as a plan an existing customer may hold rather than one you can select when opening an account today. An annual PRIME advance payment is refunded pro rata on a 365-day year, but only on written request. DEGIRO charges no plan fee at all, though transaction, handling, currency, connectivity and external product and spread costs may apply. Figures verified September 2026 against the Scalable Capital client documents, section E, Stand Juli 2026.

No to both, and both are sourced to DEGIRO’s own documents rather than inferred. DEGIRO’s order execution policy lists eight order types and two validity durations, and none of them is a scheduled or recurring purchase. DEGIRO’s helpdesk states that it facilitates whole shares only, so fractional shares are not offered. One DEGIRO order type is worth knowing about anyway: a value order lets you enter an amount rather than a share count for specific assets, though without fractionals the order still fills in whole units and the remainder stays as cash. Scalable Capital does offer Savings Plans, from EUR 1 per execution, at EUR 0.00 per savings plan execution and per automatic reinvestment on both plans, on ETFs, shares, funds and crypto ETPs, with fractional execution running on the European Investor Exchange. Crypto ETPs carry a spread surcharge on top of that zero. Fractions are bought to six decimal places and always rounded down, so the savings rate is never exceeded and small change stays in the clearing account. Scalable’s fractional rule is stricter than it first appears: fractions cannot be bought directly, they are acquired only through savings plans, and an individual fraction cannot be sold on its own. The entire position has to go. Product costs, spreads, fund surcharges and inducements may still apply. Investing involves risk of loss.

Both sit under German protection schemes, which is the point most comparisons get wrong. DEGIRO is the trading name of flatexDEGIRO Bank Dutch Branch, the Dutch branch of flatexDEGIRO Bank SE. It is primarily supervised by the German financial regulator (BaFin), and the Dutch Branch is registered with DNB and supervised by AFM and DNB. Cash on a DEGIRO account is covered by the German deposit guarantee scheme up to EUR 100,000 per client, not the Dutch one, and the German investor compensation scheme covers 90 percent of losses on investments that cannot be returned, to a maximum of EUR 20,000 per client. Scalable Capital Bank GmbH is a credit institution supervised by BaFin and the Deutsche Bundesbank, and its cash is covered by the same German statutory deposit guarantee of EUR 100,000 per depositor per bank. The contract instructs Scalable to hold client cash in open omnibus trust accounts at trustee banks and/or in qualifying money market funds, and attaches no plan condition to that arrangement. Scalable’s fee page then describes which limb it applies in practice: on FREE, cash sits with Scalable, partner banks and qualifying money market funds; on PRIME+, with Scalable and partner banks. Either can be the sole safekeeping method, and Scalable states that a client’s funds may end up held with only one trustee bank or only one money market fund. Trust credit balances of individual clients are not segregated from each other. Money market fund holdings sit under UCITS protection standards rather than the deposit guarantee. These schemes cover the failure of the firm only. They do not cover investment losses, and no regulatory status protects the value of an investment. Investing involves risk of loss.

Neither charges a headline exit fee, and the real difference is structural. Scalable prices a securities transfer at EUR 0.00 plus any third-party costs incurred, and the line is direction-neutral, so it covers transfers in and out alike. But the Broker cannot be cancelled until every security in the account has been sold or transferred to a securities account held elsewhere. If securities remain after the contract ends, Scalable may sell them after a one month warning, the client bears the expenses and costs of that sale, and the client keeps paying the flat fee of their last active Broker model until the account is fully settled. For a PRIME+ customer that is EUR 4.99 a month, continuing. An annual PRIME advance payment is refunded pro rata on a 365-day year, but only on written request. DEGIRO prices account closing at nothing and charges EUR 20.00 per position plus external costs on an outgoing transfer on the Dutch, French, Irish and Swiss schedules, while the German schedule prices outgoing transfers at nothing. External costs are unpublished, vary per exchange, and are quoted by the service desk on request. Figures verified September 2026.