1Yr·

Hello,

I started with #onvista The operation was a challenge and still isn't an app today. Then came #finanzen.zero except for the limited selection (bonds are completely missing) and only #getex as a stock exchange, I am very satisfied.

Since Onvista is discontinuing the custody business, I decided to go with #traderepublic mainly because of the interest rates. The app and web interface are a real step backwards, really disappointing, spartan is a nice way of describing it, at least there are bonds.

Who has experience with #scalablecapital would that be an #tr alternative or perhaps directly to the #sparkasse where you can trade almost everything. From your experience, what other good alternatives are there?

17 Comments

Luca@Tono

1Yr

I am absolutely not satisfied with Scalable. I have friends who swear by Scalable, as long as you don't have any problems everything is great. Service is just really bad.
Main custody account now with ING, higher costs but very good service

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Martin@Loki1997

1Yr

@Tono scalable is garbage, I no longer have my cell phone and number up to date. Wanted to change them via the service and got no help. Switched to trade

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@Tono Ok, what exactly are you dissatisfied with at SC? My main criticism of TR is the interface (app and web) I really like Zero and it's also my main account. Maybe I'll buy a Sparkasse custody account for special cases, €25 per year is manageable.

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@fund_navigator_372 Ok, but you don't currently know the quality of the TR service either. I would be interested in your assessment of the differences in the surface, are there any significant differences?

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Martin@Loki1997

1Yr

@DonMassaBuanaEfendi I find the interface at Trade Republic very straightforward. However, I have only tried Scalable Capital and TR. I don't know what it looks like with others

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@Loki1997 Does this mean that the surface of SC is better?

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Homer@Simpson

1Yr

With Scalable for 2 years, super satisfied 😊👍 TR currently at an advantage thanks to 4%, with Scalable Prime from 3€ per month makes sense from 4 purchases per month over 250€

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Lukas@Goliath99

1Yr

Use both. I find both very good. With SC, however, you can only buy whole shares (with the exception of savings plans).

At TR, new and existing customers get 4% interest on the money not invested and this is paid monthly, which benefits the compound interest effect. At SC, you only get the 4% with the Prime+ subscription and I think only for 4 months. After that, it's something like 2% and a few crumbs. The interest credit is quarterly here.
In addition, TR has had a full banking license since December and now offers 1% saveback for purchases with a roundup function, where you can also invest in stocks/ETFs of your choice. However, you must have at least €50 savings plan(s) actively running.
Soon there will also be a real current account.

Feel free to correct me if something is different or wrong in the meantime.

I may have digressed a bit, but as you can see, in my opinion TR is always one step ahead of its competitors and offers much more leeway thanks to its full banking license.

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@Goliath99 Hello, thanks for the reply. That's right, I lost sight of the map, which is probably due to my waiting list position > 1,000,000. It may well be that we can expect a lot more from TR, perhaps they will improve their online presence.

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Lukas@Goliath99

1Yr

@DonMassaBuanaEfendi Don't let the high waiting position put you off. TR has already picked up the pace. So it shouldn't take too much longer 😉

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@Goliath99 Thanks for the info, can you define "not too much longer" more precisely?

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Lukas@Goliath99

1Yr

Since I don't work at TR, I can't tell you exactly, but I've had the card since the beginning of February and was on waiting list number 380,000 shortly before that. I had also read somewhere on Insta that TR had picked up speed

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Ronald@AlterMann

1Yr

You should actually have a custody account with flatex 🖤🤍💚

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Ina M.@peacock

1Yr

I am with Scalable and very satisfied. The only thing that doesn't work for me is the price alerts. They don't appear on my cell phone. But they do on the PC. Otherwise everything works wonderfully, including the app.

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Marc@DerAzubi

1Yr

Scalable is great, haven't had any problems with it yet ;)

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Aaron H.@Aaron_de

1Yr

I think Consorsbank is quite good. Many trading venues and I also mean everything that onvista has. Unfortunately, the trading fee is a bit higher.

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DonMassaBuanaEfendi@DonMassaBuanaEfendi

1Yr

@Aaron_de Ok, I'll have to take a look, I didn't have it on my radar anymore, it used to be a big thing among brokers

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