finanzen.net ZERO vs justTrade Comparison
| 0 % | Fees | 0 % |
| € 24.00 | Cost for €1,000 | € 7.00 |
| 33 | Cryptos | 27 |
| 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. |
Pros & Cons
- 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
- 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
- 0 % explicit trading fees – costs arise only through the spread
- 27 cryptocurrencies tradable as real coins
- Staking is offered for crypto ETPs
- Savings plans available for crypto and securities
- Service handled via the BaFin-licensed Sutor Bank
- Stocks and ETFs also tradable as a neobroker
- Wallet transfer to personal wallets not possible – occasionally criticized by users
- SMS-based 2FA security – extended options room for improvement
- Minimum deposit of 50 € is room for improvement compared with other brokers
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 167 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 | ✓ |
- 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
- No explicit trading fees – only spread-based costs
- Trading secured via the BaFin-licensed Sutor Bank
- Neobroker with stocks, ETFs, and crypto on one platform
- Blockpit discount (20 %) for crypto tax reports
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 |