finanzen.net ZERO vs OKX Comparison
| 1 % | Fees | 0.35 % |
| € 10.00 | Minimum cost per €1,000 | € 3.50 |
| 59 | Cryptos | 392 |
| SEPA Transfer | Payment Methods | Deposits: SEPA / SEPA Instant, Open Banking, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA 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 A price markup in the spread is not included, because most providers do not publish it.
| € 10.00 | Minimum cost per €1,000 | € 3.50 |
| 1 % | Fees | 0.35 % |
| – | Wallet transfer | € 2.24 |
| No | Cost transparency | Yes |
| € 0.01 | Minimum Amount | ~$10 USD |
| SEPA Transfer | Payment Methods | Deposits: SEPA / SEPA Instant, Open Banking, Credit Card and PayPal Express purchases: PayPal, Google Pay, Apple Pay and Credit Card |
On disclosed fees you pay €6.50 less at OKX 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
- MiCA license available – EU-regulated via OKX Europe Ltd (Malta)
- Trading fees of 0.35 % are considered low
- Total costs of just 1.10 € per trade
- Proof of reserve is provided
- Wide range of payment methods: SEPA, PayPal, credit card, Apple Pay, Google Pay
- Recurring savings plan via DCA Bot and staking available
- Selection of 270+ cryptocurrencies is room for improvement compared with some competitors
- KYC process with eID and photo ID is occasionally criticized as time-consuming
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 the analyzed user reviews, OKX is mentioned by many users for its intuitive app, easy usability, and wide range of coins. At the same time, users also report critical experiences with support, as well as occasionally with blocked accounts or blocked withdrawals.
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 | ✓ |
| ✓ | Recurring savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Anti-phishing code | ✓ |
| ✓ | Passkey login | ✓ |
| ✓ | Wallet whitelist | ✓ |
- 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
- One of the first exchanges with a MiCA license in the EU
- Total costs of 1.10 € are considered particularly low
- Proof of reserve available for transparency
- Express purchases via PayPal, Apple Pay, and Google Pay possible
- Minimum investment from just 1 €
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, users report a mixed impression: on the one hand, low costs are mentioned; on the other hand, some users perceive the fees as high. According to reviews, the perception of costs from the user perspective apparently depends on usage and transaction type.
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.
According to reviews, users at OKX especially appreciate the intuitive app, the easy handling, and the clean interface. In everyday use, the platform is described by many as easy to understand. Occasionally, users also would like a German-language interface and a landscape mode.
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 user reviews, the range of coins and features is viewed positively by many. Users report that the platform is experienced as versatile and offers different use cases. Occasionally, users would like more fiat options, additional bot options, and adjustments to the withdrawal whitelist.
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.
Regarding stability and reliability, users report in some cases smooth usage and in other cases problems related to accounts or withdrawals. In the reviews, blocked accounts and blocked withdrawals are occasionally mentioned. Overall, the user data does not present a uniform picture.
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.
The user reviews of support are mostly critical. Users report slow or unanswered replies, and occasionally describe customer service as not helpful or as not being perceived at all. In addition, several users would like better support in German.
Details
| finanzen.net zero GmbH | Company | OKX Europe Ltd |
| 2021 | Founded | 2017 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | MiCA license |
| € 0.01 | Minimum Amount | ~$10 USD |
| eID, Video-ID, POSTIDENT | KYC | eID, Photo ID |
Verdict
In our overall rating OKX leads with 4.5 against 3.1 for finanzen.net ZERO.
On disclosed fees you pay €6.50 less at OKX per €1,000 purchase.
For most investors OKX is therefore the better choice.
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.
OKX is considered one of the first crypto exchanges with a fully fledged MiCA license in the EU and is valued for combining regulatory compliance with low fees. With trading fees of 0.35 % and total costs of just 1.10 € per trade, OKX is among the cheapest providers in the comparison. The availability of proof of reserves is positively viewed by security-conscious users.
The selection of 270+ cryptocurrencies is room for improvement compared with some competitors with over 600 coins. The KYC process with eID and photo ID is also occasionally criticized as time-consuming. However, the extensive payment methods — including PayPal, Apple Pay, and Google Pay — are seen as practical.
OKX is particularly suitable for cost-conscious investors who prefer an EU-regulated platform with a MiCA license and low trading fees and are willing to make compromises on coin selection.