Coinbase vs finanzen.net ZERO Comparison
| 1.49 % | Fees | 0 % |
| € 14.90 | Cost for €1,000 | € 24.00 |
| 404 | 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. |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.
| € 14.90 | Cost for €1,000 | € 24.00 |
| 1.49 % | Fees | 0 % |
| € 0.24 | Wallet transfer | – |
| No | Cost transparency | No |
| € 1 | Minimum Amount | € 0.01 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
On a €1,000 purchase you pay €9.10 less at Coinbase.
Pros & Cons
- 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
- 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
- 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 AnalysisNot 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
| ✓ | 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
The five areas head to head
AI AnalysisFees & Costs
The trading fee is around 1.49%; on a 1,000 euro purchase that comes to roughly 14.90 euro. That is high in this comparison, particularly for a savings plan with many small instalments. Withdrawal fees apply on top; they are calculated dynamically and only become visible when withdrawing the respective cryptocurrency, which limits cost transparency. As of August 2026.
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
Setup is straightforward and manageable for newcomers without prior experience. An education programme awards crypto rewards for completed learning modules. As of August 2026.
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
The savings plan can be set up from one euro and covers more than 260 cryptocurrencies. Staking products and transfers to external wallets round out the offering. Payment routes include SEPA transfer, SEPA instant transfer, card and PayPal. Identity verification runs through eID or video identification. As of August 2026.
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
Not enough reviews available.
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
Not enough reviews available.
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
| 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 |
Verdict
In our overall rating Coinbase leads with 4.2 against 3.1 for finanzen.net ZERO.
On a €1,000 purchase you pay €9.10 less at Coinbase.
For most investors Coinbase is therefore the better choice.
The Coinbase savings plan targets investors who want to buy regularly and automatically rather than trying to time an entry. The barrier is as low as it gets at a one euro minimum, the range covers more than 260 cryptocurrencies, and execution runs without further intervention.
On regulation Coinbase stands well in Europe: it was the first company to hold a BaFin crypto custody licence, deficiencies identified in 2022 have been remedied according to the company, and MiCA authorisation runs through Luxembourg. Payment routes include SEPA transfer, SEPA instant transfer, card and PayPal — an unusually broad selection for the European market.
The sore point is price: around 1.49% per purchase is high in this comparison, so roughly 14.90 euro on 1,000 euro. Across a savings plan with many small instalments that compounds noticeably over the years. Investors who value convenience and regulatory footing above the last fraction of a percent are well served; anyone watching costs should weigh the fees against cheaper savings plan providers.
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.