finanzen.net ZERO vs OKX Comparison

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.

In short: OKX is one of the large international crypto exchanges and serves investors in the EU through OKX Europe, licensed under MiCA in Malta. You can trade more than 280 crypto-assets, from 0.10% maker and 0.20% taker on a spot-only account, or from 0.08% and 0.10% with a spot and derivatives account. Add futures up to 10x, trading bots, tokenised stocks, a recurring-buy savings plan and the OKX Card. If you want a regulated exchange with a wide range of features and low fees, OKX is a strong choice.

Is OKX safe and licensed in the EU?

Yes, OKX may serve customers across the EU. OKX Europe Limited, based in Sliema, Malta, has been authorised as a crypto-asset service provider under MiCA since 27 January 2025, granted by the Malta Financial Services Authority (MFSA). Through the EU passport the licence covers 29 EEA countries, including Germany, France and Spain (ESMA register, file of 30 October 2026). It covers, among other things, custody, operating a trading platform, exchanging crypto-assets for funds and for other crypto-assets, executing orders, portfolio management and transfers. According to OKX, it also holds MiFID II and payment institution authorisations.

Reserves: OKX regularly publishes a proof of reserves, most recently its 46th report as of 3 October 2026: coverage of 110% for Bitcoin, 100% for Ether, 105% for USDT and 101% for USDC (OKX proof of reserves).

What you can do yourself: the anti-phishing code you set in your account protects you against scams with fake emails, because it appears in every genuine email from OKX. Add two-factor authentication or a passkey, a withdrawal address whitelist and, for larger amounts, your own hardware wallet.

Who is OKX for?

OKX suits investors in the EU who want to trade actively on a licensed exchange: spot, futures, bots and tokenised stocks on one platform, with low order book fees. If you mainly want a savings plan in a lean app, take a look at Bitvavo or Bitpanda; Kraken is another large exchange with a MiCA licence. All licensed providers are listed in our comparison of regulated crypto exchanges.