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The comparison reads the same evidence fields used by broker profiles, so users can scan scores, regulation, costs, platforms, withdrawals, and caveats side by side.
Broker 1
Broker 2
| VS field |  |  |
|---|---|---|
Decision summary | ||
| Overall score | 87 | 91 |
| 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 |
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 |
BrokerVS provides broker comparison research only. Scores and evidence can vary by country, account type, and legal entity; users should verify source links before opening an account.