| 0.25 % | Fees | 0 % |
| € 2.60 | Cost for €1,000 | € 24.00 |
| 350+ | Cryptos | 33 |
| SEPA Instant Transfer, SEPA Transfer | Payment Methods | SEPA Transfer |
| BaFin License, custodians Tangany and Sutor Bank are also licensed | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Users generally report mostly positive experiences with Bitvavo, especially regarding usability and costs. In the reviews, the clear app and low fees are often praised, while support and technical reliability are also mentioned more critically.
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 591 user reviews from Apple App Store, Trustpilot, and Google Play Store evaluated with AI. The total number of reviews on the respective platforms may be higher — the platform ratings shown (star ratings) refer to all reviews available there. The reviews presented reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. Status: April 2026. This comparison does not constitute investment advice.
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | SEPA instant transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
| Hyphe Markets GmbH | Company | finanzen.net zero GmbH |
| 2021 | Founded | 2021 |
| BaFin License, custodians Tangany and Sutor Bank are also licensed | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 5 | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, POSTIDENT |