finanzen.net ZERO vs justTrade Comparison
| 1 % | Fees | 0.125 % |
| € 10.00 | Minimum cost per €1,000 | € 1.25 |
| 59 | Cryptos | 74 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. |
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 A price markup in the spread is not included, because most providers do not publish it.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 | € 1.25 |
| 1 % | Fees | 0.125 % |
| – | Wallet transfer | – |
| No | Cost transparency | Yes |
| € 0.01 | Minimum Amount | € 50 |
| SEPA Transfer | Payment Methods | SEPA Transfer |
On disclosed fees you pay €8.75 less at justTrade per €1,000 purchase.
Pros & Cons
- 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
- 0.125 % order commission on the order volume, as stated in the price and services list dated 8 June 2026
- 74 crypto assets and 94 crypto ETPs tradable, 43 of them eligible for savings plans
- Minimum order volume of €25, fractional purchases possible
- Staking offered on crypto ETPs
- Savings plans for crypto and securities available
- Service handled through the BaFin-licensed Sutor Bank
- Stocks and ETFs tradable as well
- On top of the 0.125 % commission comes the trading venue's spread, so the total cost is not expressed in a single figure
- Transfers to your own wallets are not possible, occasionally criticised by users
- SMS-based two-factor authentication; stronger options would be welcome
- Minimum order volume of €25 per purchase
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.
According to 220 analyzed user reviews, justTRADE is especially appreciated for its clear app layout, easy operation, and fast processes. At the same time, users occasionally report technical friction around app display, login, and stability, so based on user data the overall experience is mixed with a positive tendency.
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
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
| ✓ | BaFin regulation (Sutor Bank) | ✓ |
| ✓ | SEPA transfer | ✓ |
- 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
- 0.125 % order commission plus the trading venue’s spread: inexpensive, but not free
- Trading secured via the BaFin-licensed Sutor Bank
- Neobroker with stocks, ETFs, and crypto on one platform
- Blockpit discount (20 %) for crypto tax reports
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.
When it comes to fees and costs, the overall sentiment in the reviews is rather positive. Users occasionally describe justTRADE as inexpensive and highlight the pricing level positively in their feedback. However, concrete cost information should always be considered in comparison with the fees stated by the provider.
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.
Users particularly appreciate the clear design and uncomplicated use of the justTRADE app. According to reviews, the interface is often described as clearly structured and easy to understand. In some cases, usability on larger devices is seen as room for improvement, and users would like to see features such as a tablet mode, dark mode, and more sorting options.
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.
According to the user data, only a limited number of specific comments are available on features and the offering. It is occasionally mentioned that order functions are room for improvement from the user perspective, and users would like more stop-loss options, a longer timer, and instant deposits. Overall, the offering is commented on rather briefly in the reviews, so no consistent picture can be derived from user opinions here.
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.
The user reviews do not show a completely consistent picture when it comes to stability and reliability. Users do report fast execution, but app crashes, login problems, slow charts, display errors, and difficulties with two-factor authentication are occasionally criticized. According to user data, this area therefore appears to have room for improvement in some respects.
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.
Users repeatedly describe support as fast. According to reviews, inquiries sometimes receive a reply in a timely manner, which is highlighted positively in user feedback. Overall, customer service leaves a predominantly positive impression based on the analyzed responses.
Details
| finanzen.net zero GmbH | Company | JT Technologies GmbH |
| 2021 | Founded | 2019 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. |
| € 0.01 | Minimum Amount | € 50 |
| eID, Video-ID, POSTIDENT | KYC | VideoIdent |
Verdict
Both providers are practically level in our overall rating (3.1 to 3.0).
On disclosed fees you pay €8.75 less at justTrade per €1,000 purchase.
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. 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.
In the DACH region, justTrade was long perceived as a fee-free trading model. That is no longer the case: under the price and services list dated 8 June 2026, the bank charges an order commission of 0.125 % of the order volume for executing orders in crypto assets, plus the trading venue’s spread. It remains inexpensive by comparison, but it is not free. With 74 tradable cryptocurrencies as real coins, the broker offers a solid range, processed via the BaFin-licensed Sutor Bank. For cost-conscious investors who also want to trade stocks and ETFs alongside crypto, justTrade is considered one of the cheaper options.
Also appreciated is the ability to set up crypto savings plans, as well as the 20-% discount at Blockpit for crypto tax reports. The platform can be used via both app and web and is aimed at investors who prefer an uncomplicated trading environment. Staking via crypto ETPs is seen as a useful addition.
However, wallet transfers to personal wallets are not possible, which is occasionally criticized by users. The minimum deposit of 50 € and the SMS-based 2FA are also considered room for improvement. justTrade is therefore particularly suitable for price-conscious beginners and occasional investors looking for inexpensive access to crypto and securities in a regulated German environment.