crypto.com vs finanzen.net ZERO Comparison

crypto.com
crypto.com
Winner
4.2of 5
Go to crypto.com
vs
finanzen.net ZERO
finanzen.net ZERO
3.1of 5
Go to finanzen.net ZERO
1.2 %Fees0 %
€ 12.00Cost for €1,000€ 24.00
350+Cryptos33
SEPA Instant Transfer, SEPA Transfer, Credit CardPayment MethodsSEPA Transfer
Fully MiCA CompliantRegulationCrypto custodian Tangany GmbH has a BaFin license.

Cost comparison

The basis is a Bitcoin purchase worth €1,000, including all fees and spreads.

crypto.comfinanzen.net ZERO
€ 12.00Cost for €1,000€ 24.00
1.2 %Fees0 %
€ 44.81Wallet transfer
NoCost transparencyNo
€ 3Minimum Amount€ 0.01
SEPA Instant Transfer, SEPA Transfer, Credit CardPayment MethodsSEPA Transfer

On a €1,000 purchase you pay €12.00 less at crypto.com.

Pros & Cons

crypto.com
crypto.com
Pros
  • Over 350 cryptocurrencies available
  • Own VISA debit card with cashback program
  • Savings plan and staking are offered
  • Payment methods: SEPA, SEPA instant transfer, and credit card
  • Minimum investment possible from €3
Cons
  • No BaFin license for the German market
  • Withdrawal fees of around €44.81 room for improvement
  • Cost transparency is rated as limited
  • Trading fees of 1.2% occasionally criticized
crypto.com Reviews
finanzen.net ZERO
finanzen.net ZERO
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
finanzen.net ZERO Reviews

Score Comparison

2.9Usability2.9
3.1Features2.7
2.7Fees3.0
2.6Stability2.5
2.7Support2.7

User Experiences

AI Analysis
4.6
App Store
4.4
Google Play
4.6
1.3
Trustpilot
crypto.com
crypto.com

Based on the analyzed user data, crypto.com is especially valued for its intuitive and easy-to-navigate app. At the same time, user reviews more often report room for improvement regarding fees, support, and individual account or login issues, which means the overall picture varies noticeably depending on how it is used.

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 1674 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 ratings shown reflect users' experiences and do not represent our own assessment by the site operator. All information without guarantee. Status: March 2026. This comparison does not constitute investment advice.

Features

crypto.comfinanzen.net ZERO
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
crypto.com
crypto.comHighlights
  • VISA debit card with cashback program
  • 350+ cryptocurrencies available
  • Savings plan and staking on one platform
  • On the market since 2016
finanzen.net ZERO
finanzen.net ZEROHighlights
  • 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 Analysis

Fees & Costs

crypto.com
crypto.com

According to reviews, the fees at crypto.com are viewed critically more often than average. Users report high costs and, in some cases, a high spread. Overall, this area is described critically in the user data.

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

crypto.com
crypto.com

Users particularly appreciate crypto.com's intuitive app and simple operation. According to reviews, the interface is often described as clear and easy to understand, which stands out positively, especially for newcomers. However, frequent updates and the associated changes are occasionally described as room for improvement.

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

crypto.com
crypto.com

Overall, the user data contains only limited recurring statements about features and the offering. Individual users praise options such as Visa cashback and Learn-&-Earn features. In addition, users would like to see more coins, extra portfolio filters, a German language setting, an iPad version, and a tax tool.

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

crypto.com
crypto.com

Regarding stability and reliability, users primarily report login issues, being unable to log in, and in some cases blocked withdrawals. There are also individual comments about constant or mandatory updates in the user data. Overall, this results in a rather critical picture of reliability.

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

crypto.com
crypto.com

When it comes to support, the user reviews paint a predominantly critical picture. Users report comparatively often about poor support or that no support was reachable. Customer service is therefore clearly viewed critically in the analyzed user data.

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

crypto.comfinanzen.net ZERO
Foris DAX Asia Pte. LtdCompanyfinanzen.net zero GmbH
2016Founded2021
Fully MiCA CompliantRegulationCrypto custodian Tangany GmbH has a BaFin license.
€ 3Minimum Amount€ 0.01
Photo IDKYCeID, Video-ID, POSTIDENT

Verdict

In our overall rating crypto.com leads with 4.2 against 3.1 for finanzen.net ZERO.

On a €1,000 purchase you pay €12.00 less at crypto.com.

For most investors crypto.com is therefore the better choice.

crypto.comOur Opinion

Crypto.com is especially valued for its own VISA debit card with cashback program, which is considered a unique selling point in the crypto market. With more than 350 tradable cryptocurrencies, savings plans, and staking, the platform, active since 2016, offers a broad range of services. The minimum investment starting at €3 is seen as particularly beginner-friendly.

For the German market, it should be noted that Crypto.com currently does not have a BaFin license for the German market. The trading fees of 1.2% and, in particular, the withdrawal fees of around €44.81 are occasionally criticized. Limited cost transparency and the lack of a web platform — use is only possible via the app — are also room for improvement.

Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback and are willing to accept the missing BaFin license.

finanzen.net ZEROOur Opinion

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.