eToro vs finanzen.net ZERO Comparison

eToro
eToro
Winner
4.3of 5
Go to eToro
vs
finanzen.net ZERO
finanzen.net ZERO
3.1of 5
Go to finanzen.net ZERO
1% crypto fee + spreadFees0 %
€ 29.00Cost for €1,000€ 24.00
110+Cryptos33
SEPA Transfer (min. $50), Credit Card, PayPalPayment MethodsSEPA Transfer
Crypto custodian Tangany GmbH has a BaFin license.RegulationCrypto custodian Tangany GmbH has a BaFin license.

Cost comparison

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

eTorofinanzen.net ZERO
€ 29.00Cost for €1,000€ 24.00
1% crypto fee + spreadFees0 %
Wallet transfer
NoCost transparencyNo
approx. € 50Minimum Amount€ 0.01
SEPA Transfer (min. $50), Credit Card, PayPalPayment MethodsSEPA Transfer

On a €1,000 purchase you pay €5.00 less at finanzen.net ZERO.

Pros & Cons

eToro
eToro
Pros
  • Trade over 100 verified cryptoassets according to the website
  • CopyTrader is available for automatically copying other traders
  • Multi-asset offering with stocks, ETFs, indices, commodities and currencies
  • Demo account and Academy with courses, webinars and tutorials available
  • Crypto wallet and wallet transfer within the eToro ecosystem available
Cons
  • Fee structure with additional costs depending on the product has room for improvement
  • Staking and individual features are partly limited by region and have room for improvement
  • Extended crypto functions and club benefits are occasionally tied to conditions
eToro 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

4.3Usability2.9
4.4Features2.7
4.0Fees3.0
4.0Stability2.5
4.1Support2.7

User Experiences

AI Analysis
4.1
App Store
3.7
Google Play
4.6
4.2
Trustpilot
eToro
eToro

According to 658 analyzed user reviews, eToro is generally often described as easy to understand and practical for everyday use. Users especially appreciate the intuitive app and the clear layout, while fees and support are more often viewed critically in the user data.

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 1156 user reviews analyzed 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 reviews presented reflect users' experiences and do not represent the website operator's own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.

Features

eTorofinanzen.net ZERO
Savings plan
Staking
Wallet transfer
Credit card
Futures trading
Copy trading
NFT marketplace
Tax export
Demo mode
Staking (via ETPs)
Credit card payment
BaFin-regulated custodian
Web platform
Mobile app (iOS/Android)
Stocks & ETFs
Dedicated TAN app
eToro
eToroHighlights
  • CopyTrader for mirroring other users' trading decisions
  • 0% fee promotion on crypto purchases available for a limited time according to the website
  • Cold storage and crypto wallet for custody and transfers within the offering
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

eToro
eToro

According to user reviews, the fees at eToro are comparatively often viewed critically. Users report high fees and high spreads. Overall, the fee area in the user data is described as having room for improvement.

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

eToro
eToro

Users especially appreciate eToro's intuitive app as well as the clear and very simple operation. According to reviews, getting started is usually quick even for less experienced users, because many processes are described as easy to follow. However, some users occasionally report login issues or that the app does not always start as expected, which means usability is perceived as limited in certain situations.

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

eToro
eToro

Users particularly praise the Copy Trading feature and the many pieces of information available within the platform. According to reviews, the offering is generally seen as helpful for getting started and for finding one's way in the market. At the same time, some users would like to see more coins, additional reminder functions for SL/TP, as well as individual enhancements such as a smartwatch app or more settings for font size.

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

eToro
eToro

Regarding stability and reliability, users occasionally report problems when starting the app and login difficulties. In the analyzed user reviews, it is also mentioned that the app does not function as expected in individual cases. However, a reliable overall assessment is only possible to a limited extent based on the user data available.

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

eToro
eToro

The user data presents a rather critical picture of support. Users report slow support, poor experiences with customer service, or that they do not perceive sufficient support. Accordingly, customer service is more often described in reviews as having room for improvement.

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

eTorofinanzen.net ZERO
eToro Europe Ltd.Companyfinanzen.net zero GmbH
2007Founded2021
Crypto custodian Tangany GmbH has a BaFin license.RegulationCrypto custodian Tangany GmbH has a BaFin license.
approx. € 50Minimum Amount€ 0.01
Video-IDKYCeID, Video-ID, POSTIDENT

Verdict

In our overall rating eToro leads with 4.3 against 3.1 for finanzen.net ZERO.

On a €1,000 purchase you pay €5.00 less at finanzen.net ZERO.

For most investors eToro is therefore the better choice.

eToroOur Opinion

eToro is considered one of the best-known multi-asset platforms worldwide and is especially recognized in the DACH region for its CopyTrader feature, which can automatically replicate other users' trading strategies. With more than 100 tradeable cryptoassets, an integrated demo account and an extensive Academy, eToro is seen as an accessible platform particularly suited to beginners.

In addition to crypto, the platform also offers stocks, ETFs, indices and commodities. According to the website, crypto trading in Germany is conducted via DLT Finance, while custody is provided by the BaFin-licensed Tangany GmbH. Staking, savings plans and a dedicated crypto wallet with wallet transfers within the eToro ecosystem are also available.

The fee structure is occasionally viewed by users as having room for improvement, as additional costs may arise depending on the product and usage. Extended crypto features and club benefits are also partly tied to certain conditions. eToro is therefore especially suitable for investors who want to trade crypto in the context of a broad multi-asset offering and value social trading features.

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.