21bitcoin vs finanzen.net ZERO Comparison
| 1.29 to 1.49 % | Fees | 1 % |
| € 12.90 | Minimum cost per €1,000 | € 10.00 |
| 1 | Cryptos | 59 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 12.90 | Minimum cost per €1,000 | € 10.00 |
| 1.29 to 1.49 % | Fees | 1 % |
| € 0.75 | Wallet transfer | – |
| Yes | Cost transparency | No |
| € 15 | Minimum Amount | € 0.01 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
On disclosed fees you pay €2.90 less at finanzen.net ZERO per €1,000 purchase.
Pros & Cons
- Transparent service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8, with no ongoing account charges
- Withdrawals to your own wallet at a flat fee of 0.00001 BTC
- Automatic transfer to your own wallet above defined thresholds
- Savings-plan standing orders are invested in Bitcoin as soon as they arrive
- FMA-licensed as a virtual asset service provider in Austria
- Bitcoin only – the lack of altcoins is criticised by some users
- Two-factor authentication needs work, according to users
- The €15 minimum order is higher than at some competitors
- 1 % commission per single order, no fees on savings plan executions
- 59 cryptocurrencies tradable
- Savings plans already from 0.01 € for crypto and securities
- Staking for crypto ETPs is offered
- Crypto custodian Tangany GmbH with BaFin license
- Dedicated TAN app as a security feature
- Wallet transfers to personal wallets not possible, occasionally criticised by users
- The spread is not quantified, so total costs exceed the stated one percent
- Deposits only via SEPA transfer, further payment methods would be an improvement
Score Comparison
User Experiences
AI AnalysisUser reviews paint a broadly positive picture of 21bitcoin. What owners value most is the clean, intuitive app and how easy it is to use, while individual voices see room for improvement on fees and on the feature set.
According to 167 analyzed user reviews, finanzen.net zero is especially appreciated for its clear and easy-to-understand use. Users frequently report simple operation and in some cases fast processes, while occasionally longer loading times, a frozen app, or difficulties logging in are mentioned.
This analysis is based on 608 user reviews analysed by AI from the Apple App Store, Trustpilot and the Google Play Store. The total number of reviews on each platform may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The ratings displayed reflect users' experiences and do not represent the site operator's own assessment. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Automatic wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | FMA regulation (Austria) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
- Automatic transfer to your own wallet above set amounts
- FMA-regulated and based in Austria
- Service fee of 1.29% to 1.49% on one-off purchases, 0% in the savings plan from day 8
- Deposits via SEPA and SEPA instant transfer
- 1 % commission per single order, savings plans free of fees
- Savings plans from 0.01 € for low-threshold investing
- BaFin-licensed crypto custodian Tangany GmbH
- Neobroker with stocks, ETFs and crypto in one app
The five areas head to head
AI AnalysisFees & Costs
On fees and costs the picture is mixed. Users describe the pricing as fair, though some point to costs they consider high. A few also note that the tax side has to be organised by the user, and that the resulting tax burden feels heavy.
When it comes to fees and costs, finanzen.net zero is often described by users as inexpensive. Occasionally, individual costs are perceived as penalty fees. Overall, the feedback mainly relates to the price perception in the reviews.
Usability & User Experience
Reviewers frequently describe the app as intuitive, uncluttered and self-explanatory, and ease of use is the single most praised aspect. A few users report problems getting into their account, but overall usability comes across positively.
Users particularly appreciate finanzen.net zero for its clear, self-explanatory, and easy-to-understand design. According to reviews, the app is often described as easy to use, which many users view positively in everyday processes. Occasionally, the usability is described as having room for improvement, for example with many popups, longer loading times, or individual moments in which the app freezes.
Features & Offering
The savings plan is the feature users appreciate most. At the same time they ask for more in several places: additional coins, more savings-plan options, price notifications, a wallet inside the account and limit orders. Weekly DCA is mentioned occasionally as well.
There is only limited feedback from user data overall regarding features and the offering. Users occasionally would like additional tax details when selling, categorization by sectors, personal notes, as well as fewer portfolio statistics and no candlestick charts. Individual users also see room for improvement in the style and design.
Stability & Security
On stability and reliability, users mostly report trouble-free day-to-day use and describe the app as dependable. Access issues come up occasionally and are the one area some users would like to see improved.
Regarding stability and reliability, users partly report fast execution. At the same time, a frozen app, longer loading times, or an inability to log in are occasionally mentioned. Overall, the reviews mainly allow individual tendencies to be identified.
Customer Support
Support is frequently described as fast, with users reporting prompt replies. Individual contact channels are occasionally seen as having room for improvement.
In support, users occasionally report long or tedious processes when contacting support. A ticket hell is also mentioned in the feedback. Overall, there are fewer statements in this area than regarding usability or costs.
Details
| FIOR Digital GmbH | Company | finanzen.net zero GmbH |
| 2021 | Founded | 2021 |
| Licensed as a virtual currency service provider according to FM-GwG §32a Para. 2 by the Financial Market Authority of Austria | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 15 | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, POSTIDENT |
Verdict
In our overall rating 21bitcoin leads with 4.0 against 3.1 for finanzen.net ZERO.
On disclosed fees you pay €2.90 less at finanzen.net ZERO per €1,000 purchase.
For most investors 21bitcoin is therefore the better choice.
21bitcoin has established itself as an Austrian Bitcoin app across German-speaking Europe, valued above all for a transparent fee structure. On one-off purchases the provider charges a service fee of 1.29% to 1.49%, and in the savings plan no service fee applies from day 8. The provider is licensed by Austria's Financial Market Authority (FMA) as a virtual asset service provider and deals exclusively in Bitcoin. Users single out the automatic transfer to a personal wallet above defined thresholds as a genuinely useful security feature.
The savings-plan approach is refreshingly uncomplicated: standing orders are invested in Bitcoin as soon as the money arrives, and the flat wallet-transfer fee of 0.00001 BTC is widely seen as fair. For investors in Austria, Germany and Switzerland looking for an FMA-regulated alternative to the Swiss Bitcoin apps, 21bitcoin reads as a solid option. Total costs of €7.90 on a €1,000 trade sit in the middle of the field.
Because Bitcoin is the only asset on offer, 21bitcoin is not aimed at investors who want a broad crypto portfolio – a limitation some users do point out. The absence of two-factor authentication in the app and the €15 minimum order also leave room for improvement. That makes 21bitcoin a good fit for Bitcoin-focused investors in German-speaking Europe who care about cost transparency, automatic wallet transfers and Austrian regulation.
In the DACH region, finanzen.net ZERO benefits from the strong brand recognition of the finanzen.net financial portal and advertises as a neobroker without order fees. That does not hold for crypto assets: the price and services list sets out a brokerage fee of 0.5 % and a settlement fee of 0.5 %, together 1 % of the market value per single order. With 59 tradable cryptocurrencies, the broker offers a comparatively broad coin range among German neobrokers. Crypto custody is handled by the BaFin-licensed Tangany GmbH, which is valued by security-conscious investors.
Particularly noteworthy are the savings plans starting at 0.01 €, which represent the lowest entry amount in the comparison of German brokers. The dedicated TAN app is considered a solid security feature. For investors who want to manage crypto alongside stocks and ETFs on one platform, finanzen.net ZERO is seen as an accessible option.
Savings plan executions are free of these fees, and single orders below €500 incur an additional €1 small-order surcharge. The provider does not quantify the spread, so actual total costs are higher than the stated one percent. Wallet transfers to personal wallets are also not possible and deposits are limited to SEPA transfers, both of which are occasionally criticised by users. finanzen.net ZERO is therefore mainly suited to investors who prefer a well-known German brand with BaFin-regulated custody and value particularly low entry amounts for savings plans.