Binance vs finanzen.net ZERO Comparison
| 1.75 % | Fees | 0 % |
| € 18.50 | Cost for €1,000 | € 24.00 |
| 370+ | Cryptos | 33 |
| SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 18.50 | Cost for €1,000 | € 24.00 |
| 1.75 % | Fees | 0 % |
| € 7.47 | Wallet transfer | – |
| Limited | Cost transparency | No |
| ~$10 USD | Minimum Amount | € 0.01 |
| SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €5.50 less at Binance.
Pros & Cons
- Over 370 cryptocurrencies available
- Savings plan and staking available
- Largest crypto exchange worldwide with low spreads
- Wallet transfer possible
- Payment methods: SEPA transfer and credit card
- No BaFin license in Germany
- Trading fees of 1.75 % for direct purchases have room for improvement
- Total costs of 18.50 € per trade occasionally criticized
- Cost transparency is rated as limited – direct purchases without a clear cost overview
- 0 % explicit trading fees – costs arise only through the spread
- 33 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 transfer to your own wallets not possible – occasionally criticized by users
- Total costs of 24 EUR per 1,000 EUR trade despite 0 % trading fees due to spreads – cost transparency has room for improvement
- Deposits only by SEPA transfer – additional payment methods have room for improvement
Score Comparison
User Experiences
AI AnalysisAccording to reviews, Binance is often praised overall for its ease of use, the large selection of coins, and fees that are generally perceived as low. At the same time, users occasionally report criticism regarding support, verification, and language options, especially with regard to a German app version.
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 1002 user reviews evaluated by AI from the Apple App Store and Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews shown reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Whitelist | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
- Largest crypto exchange worldwide by trading volume
- Low spreads in order book trading
- Savings plan and staking available
- On the market since 2017
- No explicit trading fees – only spread-based costs
- 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
Users often cite Binance’s fees as a positive point and frequently describe them as low compared with other providers. At the same time, some reviews perceive the fees as too high. Overall, user data suggests a predominantly positive view of the fees.
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
According to reviews, users particularly appreciate the intuitive app and ease of use at Binance, which appeals to both beginners and more experienced users. However, the interface is occasionally described as confusing or too complicated. Many users also want a German language option to make everyday use even more convenient.
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
According to reviews, users mainly praise the large selection of coins. Users also report that Binance is suitable for beginners and appears easy to use. Occasionally, users would like additional language options as well as an iPad app to better adapt the offering to their usage.
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
According to reviews, Binance is perceived by many users as reliable. Overall, the opinion on stability and reliability is predominantly positive.
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
User data paints a rather critical picture of support: users report a lack of support. Verification is also described as time-consuming in some reviews. In addition, users would like better assistance with account-related issues and withdrawals.
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
| Binance Holdings Ltd. | Company | finanzen.net zero GmbH |
| 2017 | Founded | 2021 |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| ~$10 USD | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, POSTIDENT |
Verdict
In our overall rating Binance leads with 4.3 against 3.1 for finanzen.net ZERO.
On a €1,000 purchase you pay €5.50 less at Binance.
For most investors Binance is therefore the better choice.
Binance is considered the world’s largest crypto exchange by trading volume and is valued for its low spreads in order book trading. With over 370 tradable cryptocurrencies, savings plans and staking, the platform offers a broad range of services. On the market since 2017, Binance has established itself as a major player in crypto trading.
For the German market, however, it should be noted that Binance does not have a BaFin license. The direct-buy fees of 1.75 % and total costs of 18.50 € per trade are occasionally criticized, as is the limited cost transparency for direct purchases. The minimum amount of 15 € is also higher than at some competitors.
Binance is seen especially as suitable for experienced traders who want to benefit from the low spreads in order book trading and for whom a missing BaFin license matters less than the platform’s global market presence and liquidity.
finanzen.net ZERO benefits in the DACH region from the strong brand recognition of the financial portal finanzen.net and positions itself as a neobroker without explicit order fees. With 33 tradable cryptocurrencies, the broker offers a comparatively broad coin selection among German neobrokers. Crypto custody is handled by Tangany GmbH, which is licensed by BaFin, and 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.
Despite the advertised 0 % trading fees, spreads lead to total costs of around 24 € per 1,000 € trade, which is considered room for improvement in the broker comparison. A wallet transfer is also not possible, and deposits are limited to SEPA transfers — both are occasionally criticized by users. finanzen.net ZERO is therefore especially suitable for investors who prefer a well-known German brand with BaFin-regulated custody and value particularly low minimum savings plan amounts.