BISON vs finanzen.net ZERO Comparison
In our overall rating finanzen.net ZERO leads with 3.1 out of 5 points, ahead of BISON with 2.5. On disclosed fees finanzen.net ZERO is cheaper: 1 % instead of 1.25 % trading fee, which means € 10.00 instead of € 12.50 per €1,000 purchase. finanzen.net ZERO has the better score in all five sub-ratings. BISON lists more cryptocurrencies (71) than finanzen.net ZERO (59).
| 1.25 % | Fees | 1 % |
| € 12.50 | Minimum cost per €1,000 | € 10.00 |
| 71 | Cryptos | 59 |
| SEPA transfer, SEPA Instant transfer, credit card (Visa, Mastercard), Apple Pay, Google Pay (card and wallets: 2.49%) | Payment Methods | SEPA Transfer |
| MiCAR licence from BaFin: EUWAX AG for crypto trading (since 1 April 2025), Boerse Stuttgart Digital Custody GmbH for custody (since 17 January 2025) | 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 A price markup in the spread is not included, because most providers do not publish it.
| € 12.50 | Minimum cost per €1,000 | € 10.00 |
| 1.25 % | Fees | 1 % |
| € 0 | Wallet transfer | – |
| Yes | Cost transparency | No |
| € 0.01 | Minimum Amount | € 0.01 |
| SEPA transfer, SEPA Instant transfer, credit card (Visa, Mastercard), Apple Pay, Google Pay (card and wallets: 2.49%) | Payment Methods | SEPA Transfer |
On disclosed fees you pay €2.50 less at finanzen.net ZERO per €1,000 purchase.
BISON charges no order fee for crypto trading; the cost sits in the spread between the buy and sell price. The spread varies with market conditions and trade size, while the account, custody, deposits and withdrawals are free.
| Transaction | Cost at BISON |
|---|---|
| Spread on Bitcoin and Ethereum | 1.25% on average per buy or sell |
| Spread on all other cryptocurrencies | 1.75% on average per buy or sell |
| Account opening, account management and custody | free |
| EUR deposit by SEPA or instant transfer | free; your own bank may charge for SEPA Instant |
| Instant deposit by credit card, Apple Pay or Google Pay | 2.49% of the amount |
| EUR withdrawal, crypto deposits and withdrawals | free |
| Staking Ethereum and Solana | BISON keeps 27% of the staking rewards |
| Stocks and ETFs | EUR 1.99 per buy or sell |
How to save: Deposit by SEPA or instant transfer instead of card to save 2.49%. Buying and later selling EUR 1,000 of Bitcoin costs about EUR 25 through the spread, about EUR 35 for altcoins. If you trade often, compare that with exchanges that charge fixed maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to BISON, fees and costs.
Not enough reviews available.
Pros & Cons
- 70 cryptocurrencies tradable, plus over 2,500 stocks and ETFs
- Crypto custody by the BaFin-regulated Boerse Stuttgart Digital Custody GmbH
- Transfers to your own wallets are free of charge
- Staking and savings plans available
- Tax report offered as an added feature
- Deposits via SEPA, SEPA instant transfer and credit card
- Entry from as little as €1
- The proportional spread averages 1.25 % on Bitcoin and Ethereum and 1.75 % on all other cryptocurrencies
- SMS-based two-factor authentication; stronger methods would be welcome
- Processing times of up to 24 hours for wallet transfers are occasionally criticised
- 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 AnalysisUsers generally describe BISON in the evaluated user data as easy to understand and clear. In particular, the intuitive and easy-to-use app is frequently praised in reviews, while fees, support, and the selection of coins are seen more critically by users.
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 707 user reviews evaluated by AI from the Apple App Store, Trustpilot, 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 users’ 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
| available | Savings plan | available |
| available | Staking | not specified |
| not available | Wallet transfer | not available |
| available | Credit card payment | not available |
| available | BaFin-regulated custodian | available |
| available | Web platform | available |
| available | Mobile app (iOS/Android) | available |
| available | Tax report | not specified |
| available | SEPA instant bank transfer | not specified |
| not specified | Staking (via ETPs) | available |
| not specified | Stocks & ETFs | available |
| not specified | Dedicated TAN app | available |
- Powered by Börse Stuttgart with many years of capital markets experience
- Free wallet transfer to your own wallets
- Tax report for crypto tax filing
- BaFin-regulated crypto custody
- 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
When it comes to fees and costs, users report criticism comparatively often. According to reviews, the fees and spread are repeatedly described as high. Especially among price-conscious users, this area is therefore perceived rather critically in the user data.
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
Users mainly report a clear design and an intuitive app with BISON. According to reviews, the platform is often described as easy to use, user-friendly, and self-explanatory. Some users mention annoying notifications and report that verification does not always go smoothly.
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 are rather reserved about BISON’s offering, mainly because of the limited coin selection. Many users would like to see more coins or cryptocurrencies; additionally, an API for Blockpit, staking, savings plans, as well as an iPad or Mac version are mentioned occasionally.
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
In terms of stability and reliability, many users are generally positive about BISON. According to reviews, the app is repeatedly described as reliable. However, some users report app crashes, so from the perspective of individual reviews the technical reliability still has room for improvement.
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
When it comes to support, users report mixed experiences in the reviews, but overall rather critical ones. There is repeated mention of no support or long response times, which is why some users describe customer service as room for improvement. Support is also occasionally mentioned critically in connection with delays around 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
| EUWAX AG | Company | finanzen.net zero GmbH |
| 2019 | Founded | 2021 |
| MiCAR licence from BaFin: EUWAX AG for crypto trading (since 1 April 2025), Boerse Stuttgart Digital Custody GmbH for custody (since 17 January 2025) | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 0.01 | Minimum Amount | € 0.01 |
| eID, VideoIdent | KYC | eID, Video-ID, POSTIDENT |
Verdict
In our overall rating finanzen.net ZERO leads with 3.1 against 2.5 for BISON.
On disclosed fees you pay €2.50 less at finanzen.net ZERO per €1,000 purchase.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
BISON is the crypto app of Börse Stuttgart and is perceived in the DACH region as a provider with a traditional capital markets background. Crypto custody is handled by Boerse Stuttgart Digital Custody GmbH, which is regulated by BaFin. According to BISON, 70 cryptocurrencies are tradable, plus stocks and ETFs.
As one of the few offerings among German brokers, BISON allows free wallet transfers to your own wallets. Staking, savings plans, and an integrated tax report are also available. Deposits are possible via SEPA, instant bank transfer, and credit card.
Costs sit in the spread, which according to BISON averages 1.25 % on Bitcoin and Ethereum and 1.75 % on all other cryptocurrencies, the upper range among the brokers compared. The exclusively SMS-based 2FA and the processing time for wallet transfers of up to 24 hours are also seen as room for improvement. Overall, BISON is aimed at investors who prefer an established German provider and are willing to accept trade-offs in fees and coin selection.
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.