Coinbase vs finanzen.net ZERO Comparison
| 1.49 % | Fees | 0 % |
| € 14.90 | Cost for €1,000 | € 24.00 |
| 260+ | Cryptos | 33 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
| First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
CoinbaseWinner
vs
finanzen.net ZERO
Pros & Cons
Pros
- Savings plan from a one euro minimum
- More than 260 cryptocurrencies available
- First company with a BaFin crypto custody licence, MiCA authorisation via Luxembourg
- Broad choice of payment routes including PayPal
- Staking and wallet transfers available
Cons
- Trading fee of around 1.49% — high in this comparison
- Costs compound across many small instalments
- Limited cost transparency on direct purchases
- Withdrawal fees only visible when withdrawing the respective cryptocurrency
Pros
- 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
Cons
- 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
4.5Usability2.9
4.2Features2.7
3.4Fees3.0
4.5Stability2.5
3.8Support2.7
User Experiences
AI Analysis—
Google Play
4.6Not enough reviews available.
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.
Editorial assessment based on publicly documented provider information and independent industry sources. As of August 2026. This comparison is not investment or tax advice. All information without guarantee.
Features
Coinbasefinanzen.net ZERO
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
- Savings plan from one euro
- 260+ cryptocurrencies
- BaFin licence and MiCA authorisation
- Payment by PayPal supported
- 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
Details
Coinbasefinanzen.net ZERO
| Coinbase Global, Inc. | Company | finanzen.net zero GmbH |
| 2012 | Founded | 2021 |
| First company with BaFin crypto license. Deficiencies flagged in 2022, since remediated. MiCA via Luxembourg. | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 1 | Minimum Amount | € 0.01 |
| eID, VideoIdent | KYC | eID, Video-ID, POSTIDENT |