finanzen.net ZERO vs Gate.io Comparison
In our overall rating Gate.io leads with 3.7 out of 5 points, ahead of finanzen.net ZERO with 3.1. Our table lists the trading fee as “1 %” for finanzen.net ZERO and “0.1% spot (maker and taker)” for Gate.io. Gate.io has the better score in all five sub-ratings.
| 1 % | Fees | 0.1% spot (maker and taker) |
| € 10.00 | Minimum cost per €1,000 | — |
| 59 | Cryptos | — |
| SEPA Transfer | Payment Methods | — |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via MFSA (Malta) |
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 A price markup in the spread is not included, because most providers do not publish it.
| € 10.00 | Minimum cost per €1,000 | — |
| 1 % | Fees | 0.1% spot (maker and taker) |
| – | Wallet transfer | — |
| No | Cost transparency | — |
| € 0.01 | Minimum Amount | ~$10 USD |
| SEPA Transfer | Payment Methods | — |
Pros & Cons
- 1 % commission per single order, no fees on savings plan executions
- 59 cryptocurrencies tradable
- Savings plans from €1 for crypto and securities
- Crypto tradable around the clock, stocks and crypto in the same account
- Crypto custodian Tangany GmbH with a MiCA authorisation from BaFin, orders executed by Baader Bank
- 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
- Only market orders for crypto, and no crypto staking
- Single orders below €500 incur a €1 small-order surcharge
- MiCA authorisation as a crypto-asset service provider from Malta's MFSA since 29 September 2025, passported across the EEA, plus a licence for payment services
- Gate EU with localised sites: more than 200 cryptocurrencies, each tradable against the euro and USDC
- Spot fee of 0.1% for makers and takers, makers pay 0% from VIP 10
- Convert, OTC trading, staking and the Gate Card alongside spot trading
- A much smaller selection for EU customers than on the global platform, which according to Gate lists more than 5,400 cryptocurrencies
- No futures trading on Gate EU
- No USDT pairs, no GT token and no GT fee discount on Gate EU
- Migration required: existing EEA customers of the global platform are being moved to Gate EU step by step
Score Comparison
User Experiences
AI AnalysisAccording 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.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. This analysis is based on 180 user reviews from Google Play Store evaluated by AI. 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 presented reflect the experiences of users and do not constitute a separate assessment by the website operator. All information without guarantee. As of March 2026. This comparison does not constitute investment advice.
Features
| available | Savings plan | not specified |
| available | Staking (via ETPs) | not specified |
| not available | Wallet transfer | not specified |
| not available | Credit card payment | not specified |
| available | BaFin-regulated custodian | not specified |
| available | Web platform | not specified |
| available | Mobile app (iOS/Android) | not specified |
| available | Stocks & ETFs | not specified |
| available | Dedicated TAN app | not specified |
- 1 % commission per single order, savings plans free of fees
- Savings plans from €1 for low-threshold investing
- BaFin-licensed crypto custodian Tangany GmbH
- Neobroker with stocks, ETFs and crypto in one app
- Renamed Finanzen invest on 31 October 2026, with unchanged conditions
- MiCA and PSD2 licensed through Gate Technology Ltd in Malta
- Gate EU with more than 200 cryptocurrencies against the euro and USDC
The five areas head to head
AI AnalysisFees & Costs
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.
Spot on Gate EU: 0.1% for makers and takers (VIP 0). The fee falls step by step with your 30-day volume or account balance, and makers pay 0% from VIP 10. Gate EU does not offer futures (as of 1 November 2026).
Usability & User Experience
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.
Not enough reviews available.
Features & Offering
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.
Not enough reviews available.
Stability & Security
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.
Not enough reviews available.
Customer Support
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.
Not enough reviews available.
Details
| finanzen.net zero GmbH | Company | Gate Technology Ltd |
| 2021 | Founded | 2013 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA licence via MFSA (Malta) |
| € 0.01 | Minimum Amount | ~$10 USD |
| eID, Video-ID, POSTIDENT | KYC | Photo ID and selfie (required before deposits and withdrawals) |
Verdict
In our overall rating Gate.io leads with 3.7 against 3.1 for finanzen.net ZERO.
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
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. Since 31 October 2026 the service has been called Finanzen invest; the provider is still finanzen.net zero GmbH, and according to the company the account, conditions and login stay the same, with Baader Bank remaining the custodian bank. The no-fee promise 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.
Crypto orders are transmitted by DonauCapital Wertpapier GmbH and executed by Baader Bank as commission agent outside a trading platform. In ESMA’s MiCA register (file dated 30 October 2026), Tangany has been authorised as a crypto custodian since 8 August 2025, while Baader Bank and DonauCapital are notified for their crypto services under Article 60 MiCAR.
Particularly noteworthy are the savings plans starting at €1, which allow a low entry; crypto savings plans are free of charge. 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. Only market orders are possible for crypto, and the broker does not offer crypto staking. 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 low entry amounts for savings plans.
Gate, known as Gate.io until May 2025, is one of the exchanges with the widest altcoin selection worldwide: according to Gate, more than 5,400 cryptocurrencies can be traded on its global platform. Customers in the EEA are served through Gate EU, run by Gate Technology Ltd in Malta. Malta's regulator MFSA authorised the company as a crypto-asset service provider under MiCA on 29 September 2025; the authorisation is passported across the EEA, and the company also holds a licence for payment services. Since the end of June 2026, Gate has been moving existing EEA customers from the global platform to Gate EU step by step.
Gate EU is leaner than the global exchange: on 1 November 2026 it listed more than 200 cryptocurrencies, each against the euro and USDC. It also offers convert, OTC trading, staking and the Gate Card; futures, USDT pairs and the in-house GT token are not part of the offering. The spot fee is 0.1% for makers and takers and falls with trading volume, with makers paying nothing from VIP 10.
Our verdict: for experienced altcoin traders in Europe, Gate EU is a regulated option with a broad selection and a low spot fee. It is not designed for futures trading.