BSDEX vs finanzen.net ZERO Comparison

BSDEX
BSDEX
Winner
4.1of 5
Go to BSDEX
vs
finanzen.net ZERO
finanzen.net ZERO
3.1of 5
Go to finanzen.net ZERO
0.35 %Fees1 %
€ 3.50Minimum cost per €1,000€ 10.00
10Cryptos59
SEPA TransferPayment MethodsSEPA Transfer
Custodian of cryptocurrencies (Boerse Stuttgart Digital Custody GmbH) has a BaFin license.RegulationCrypto 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 A price markup in the spread is not included, because most providers do not publish it.

BSDEXfinanzen.net ZERO
€ 3.50Minimum cost per €1,000€ 10.00
0.35 %Fees1 %
€ 0Wallet transfer
YesCost transparencyNo
€ 10Minimum Amount€ 0.01
SEPA TransferPayment MethodsSEPA Transfer

On disclosed fees you pay €6.50 less at BSDEX per €1,000 purchase.

Pros & Cons

BSDEX
BSDEX
Pros
  • All 10 cryptocurrencies trade directly against the euro
  • Three separately authorised entities: Baden-Württembergische Wertpapierbörse GmbH for the trading platform, Boerse Stuttgart Digital Custody GmbH for custody, EUWAX AG for exchange, all under BaFin supervision
  • Wallet transfer always free
  • Minimum charge of just 0.01 € per order
Cons
  • The advertised 0.20 % applies to maker orders only. Buying with a market order, which is the normal case, costs 0.35 %, that is 75 % more.
  • Selection of only 10 cryptocurrencies is limited by comparison
  • No savings plan and no staking available
  • Only SEPA bank transfer as a payment method
BSDEX Reviews
finanzen.net ZERO
finanzen.net ZERO
Pros
  • 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
Cons
  • 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
finanzen.net ZERO Reviews

Score Comparison

3.9Usability2.9
3.8Features2.7
4.2Fees3.0
3.7Stability2.5
4.0Support2.7

User Experiences

AI Analysis
3.8
App Store
1.5
Google Play
4.6
3.2
Trustpilot
BSDEX
BSDEX

User reports on BSDEX overall paint a mixed picture: the clear layout, easy usability and low fees are mentioned frequently, while technical hurdles with login and app usage are also noted in the reviews.

finanzen.net ZERO
finanzen.net ZERO

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 578 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 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. As of: March 2026. This comparison does not constitute investment advice.

Features

BSDEXfinanzen.net ZERO
Savings plan
Staking
Wallet transfer
Cost transparency
2FA security
SEPA bank transfer
Credit card
Minimum amount
Mobile app (iOS/Android)
Web platform
Staking (via ETPs)
Credit card payment
BaFin-regulated custodian
Stocks & ETFs
Dedicated TAN app
BSDEX
BSDEXHighlights
  • Börse Stuttgart trading venue – Made in Germany
  • Free wallet withdrawals for all supported cryptocurrencies
  • BaFin-licensed custodian for crypto holdings
  • Transparent fee structure starting at 0.35 %
finanzen.net ZERO
finanzen.net ZEROHighlights
  • 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 Analysis

Fees & Costs

BSDEX
BSDEX

Many users respond positively to the fees and costs. Low fees are highlighted several times in the reviews. Overall, the cost structure is perceived positively from the user perspective.

finanzen.net ZERO
finanzen.net ZERO

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

BSDEX
BSDEX

Users often describe BSDEX as clear and easy to understand, and the intuitive app is also mentioned positively in reviews. At the same time, users report technical hurdles when using the platform, for example when logins are not possible, users have to log in again repeatedly, or the app occasionally freezes.

finanzen.net ZERO
finanzen.net ZERO

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

BSDEX
BSDEX

Regarding features and the offering, the user data shows a rather reserved picture. Users mainly want more coins and more altcoins; a savings plan, a profit-and-loss display and a dark mode are also mentioned occasionally. According to reviews, a chart display is also sometimes requested.

finanzen.net ZERO
finanzen.net ZERO

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

BSDEX
BSDEX

Regarding stability and reliability, users report in part positively about dependable everyday use. At the same time, reviews mention update problems, app startup difficulties, FaceID errors and repeated logouts. The fact that withdrawals are not possible is also occasionally mentioned in the user data.

finanzen.net ZERO
finanzen.net ZERO

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

BSDEX
BSDEX

The support is described by users in several reviews as fast, helpful and competent. Users particularly praise the prompt assistance in direct contact. In individual cases, users would like even more support for specific issues.

finanzen.net ZERO
finanzen.net ZERO

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

BSDEXfinanzen.net ZERO
Baden-Württembergische Wertpapierbörse GmbHCompanyfinanzen.net zero GmbH
2019Founded2021
Custodian of cryptocurrencies (Boerse Stuttgart Digital Custody GmbH) has a BaFin license.RegulationCrypto custodian Tangany GmbH has a BaFin license.
€ 10Minimum Amount€ 0.01
VideoIdentKYCeID, Video-ID, POSTIDENT

Verdict

In our overall rating BSDEX leads with 4.1 against 3.1 for finanzen.net ZERO.

On disclosed fees you pay €6.50 less at BSDEX per €1,000 purchase.

For most investors BSDEX is therefore the better choice.

BSDEXOur Opinion

BSDEX is valued as the official crypto trading venue of Börse Stuttgart and is considered one of the most trustworthy platforms in the German market. With custody licensed by BaFin through Boerse Stuttgart Digital Custody GmbH, trading fees of 0.35 % and free wallet withdrawals, the platform is viewed positively by security-conscious investors.

The selection of only 10 cryptocurrencies is clearly room for improvement compared with other exchanges. The absence of a savings plan, staking and alternative payment methods beyond SEPA is also occasionally criticized. The 2FA protection via SMS only instead of TOTP is likewise seen as needing improvement.

BSDEX is considered particularly suitable for investors who value a German, regulated infrastructure connected to Börse Stuttgart and want to focus on the main cryptocurrencies such as Bitcoin and Ethereum.

finanzen.net ZEROOur Opinion

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.