crypto.com vs finanzen.net ZERO Comparison
In our overall rating crypto.com leads with 4.2 out of 5 points, ahead of finanzen.net ZERO with 3.1. On disclosed fees crypto.com is cheaper: 0.8 % instead of 1 % trading fee, which means € 8.00 instead of € 10.00 per €1,000 purchase. If you care most about features, crypto.com has the better sub-score.
| 0.8 % | Fees | 1 % |
| € 8.00 | Minimum cost per €1,000 | € 10.00 |
| 400+ | Cryptos | 59 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| Fully MiCA Compliant | Regulation | Crypto 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 A price markup in the spread is not included, because most providers do not publish it.
| € 8.00 | Minimum cost per €1,000 | € 10.00 |
| 0.8 % | Fees | 1 % |
| € 44.81 | Wallet transfer | – |
| No | Cost transparency | No |
| € 3 | Minimum Amount | € 0.01 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
On disclosed fees you pay €2.00 less at crypto.com per €1,000 purchase.
In the Crypto.com App, users in the European Economic Area pay a fixed fee per purchase; the trade preview shows the exact fee before you confirm. EUR deposits by bank transfer are free.
| Transaction | Cost at Crypto.com |
|---|---|
| Purchase with EUR balance | 0.80% |
| Crypto-to-crypto exchange | 0.80% |
| Purchase by debit or credit card | up to 4% |
| EUR deposit by bank transfer | free |
| EUR withdrawal via SEPA | EUR 1 per withdrawal, minimum EUR 80 |
| Sending crypto to other Crypto.com users | free |
| Crypto withdrawal to an external address | network fee per coin and network |
| Level Up subscription from USD 6.99 per month | trading without a trading fee, scope depends on the tier |
How to save: Deposit by bank transfer and buy with your EUR balance instead of a card: on EUR 1,000 that is EUR 8 instead of up to EUR 40. Bundle EUR withdrawals, since each costs EUR 1. Frequent traders should look at the Level Up subscription. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 22 October 2026 according to the Crypto.com Help Center, Fees & Limits (EEA).
Not enough reviews available.
Pros & Cons
- Over 400 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
- Card purchases cost up to 4%
- EUR withdrawals via SEPA cost EUR 1, minimum EUR 80
- Cost transparency is rated as limited
- 0.80% fee per purchase in the app
- 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
- 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
Score Comparison
User Experiences
AI AnalysisBased 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.
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
| available | Savings plan | available |
| available | Staking | not specified |
| not available | Wallet transfer | not available |
| not available | Cost transparency | not specified |
| not available | 2FA security | not specified |
| available | Anti-phishing code | not specified |
| available | SEPA instant transfer | not specified |
| available | Credit card | not available |
| available | Mobile app (iOS/Android) | available |
| not available | Web platform | available |
| not specified | Staking (via ETPs) | available |
| not specified | BaFin-regulated custodian | available |
| not specified | Stocks & ETFs | available |
| not specified | Dedicated TAN app | available |
- VISA debit card with cashback program
- 400+ cryptocurrencies available
- Savings plan and staking on one platform
- On the market since 2016
- MiCA-licensed by the MFSA Malta, regulated EU-wide (as of October 2026)
- 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 AnalysisFees & Costs
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.
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
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.
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
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.
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
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.
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
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.
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
| Foris DAX MT Limited | Company | finanzen.net zero GmbH |
| 2016 | Founded | 2021 |
| Fully MiCA Compliant | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 3 | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, POSTIDENT |
Verdict
In our overall rating crypto.com leads with 4.2 against 3.1 for finanzen.net ZERO.
On disclosed fees you pay €2.00 less at crypto.com per €1,000 purchase.
For most investors crypto.com is therefore the better choice.
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 400 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.
In Germany, Crypto.com operates under the MiCA licence issued by the Malta Financial Services Authority (MFSA), which applies across the EU, so no separate BaFin licence is required. According to Crypto.com, a purchase in the app costs 0.80%, up to 4% by card, and a EUR withdrawal via SEPA costs EUR 1. Users occasionally criticise the limited cost transparency.
Crypto.com is mainly considered suitable for users who want to actively use the VISA debit card with cashback.
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.