Finanzen.net Zero is the brokerage arm of Germany's leading financial news portal — finanzen.net — and offers zero-commission trading in stocks, ETFs, and cryptocurrency. BaFin regulated and backed by one of Germany's most visited financial websites, Finanzen.net Zero is an attractive option for German investors who want to start investing without paying any trading fees. This review covers the crypto offering, account setup, and who benefits most.
Zero commission trading for German investors — great for stocks and ETFs, basic crypto coverage included.
Finanzen.net is one of Germany's most-read financial information portals, providing stock quotes, news, and financial data to millions of German investors daily. In 2021, the company launched Finanzen.net Zero — a commission-free brokerage service that allows users to invest in stocks, ETFs, derivatives, and cryptocurrency without paying trading commissions. The broker is BaFin regulated and uses flatex Bank as its custodian — one of Germany's established online banking and brokerage infrastructure providers.
The zero-commission model is possible because Finanzen.net Zero routes trades through the gettex exchange (operated by Boerse München) and earns payment for order flow (PFOF) from market makers — a model common among European zero-commission brokers. For most retail investors trading liquid assets like Bitcoin, Ethereum, or DAX stocks, this results in very competitive effective pricing. Verify BaFin details at bafin.de.
The €0 commission claim is accurate — Finanzen.net Zero charges no explicit trading fee. However, as with all zero-commission brokers, there is a small spread embedded in the execution price. For highly liquid assets like Bitcoin and major stocks, this spread is typically minimal (under 0.1%). For less liquid crypto assets, spreads can be wider. Overall, the effective cost of trading on Finanzen.net Zero is very low — particularly for Bitcoin and Ethereum, where the combination of zero commission and tight spreads makes it one of the cheapest ways to buy crypto in Germany.
Finanzen.net Zero offers around 12 major cryptocurrencies including Bitcoin (BTC), Ethereum (ETH), Solana (SOL), Litecoin (LTC), Cardano (ADA), and a few others. The selection is the smallest of any platform reviewed on BitcoinKaufen.de. For investors who only want BTC and ETH exposure, this is perfectly adequate. For those wanting a broader crypto portfolio, a dedicated exchange is necessary.
One unique benefit of Finanzen.net Zero is its integration with the finanzen.net portal. As a Zero user, you get access to finanzen.net's comprehensive financial data, news, analyst reports, and market analysis directly linked to your portfolio. For German investors who already use finanzen.net for market research, this creates a seamless experience from research to execution. It is a feature no other neobroker or crypto exchange on this list can match.
Finanzen.net Zero accepts SEPA transfers from all German banks for account funding — free of charge. The account is held at flatex Bank AG, a BaFin-licensed German bank. EUR cash in your account is held as a bank deposit and is covered by the German deposit guarantee scheme up to €100,000. SEPA processing is reliable and funds typically arrive within 1 business day. SEPA Instant support depends on your sending bank.
Finanzen.net Zero is primarily web-based, reflecting its heritage as a portal-first business. A mobile app is available but the platform's strengths — particularly the integration with finanzen.net's data tools and research — shine most on a desktop browser. The trading interface is clear and functional, though less polished than Trade Republic's mobile-first design. For investors who research on finanzen.net and then want to execute directly, the web experience is seamless.
Finanzen.net Zero is at its best as a zero-commission stock and ETF broker with a bonus crypto offering. German investors who primarily want to build an equity portfolio and add a small crypto allocation will find the zero-commission model hard to beat. Pure crypto investors, or those wanting more than 12 cryptocurrencies, should use a dedicated exchange like CEX.IO or Bitvavo alongside Finanzen.net Zero for equities.
| Fee Type | Amount | Notes |
|---|---|---|
| Trading Commission | €0 | No explicit commission on any trade |
| Spread | Variable | Embedded in execution price; small for BTC/ETH |
| Account Fee | Free | No monthly fee |
| SEPA Deposit | Free | EUR bank transfer at no cost |
| SEPA Withdrawal | Free | EUR to German bank free |
| Crypto Withdrawal | Not available | No external wallet withdrawals |
| Savings Plans (Sparplan) | Free | Automated regular investments at no fee |
Visit finanzen.net/zero and register. Complete KYC verification using your German ID or passport. Account opening is free and takes around 10 minutes online. The account is held at flatex Bank.
Send a free SEPA transfer from your German bank account to your Finanzen.net Zero account IBAN at flatex Bank. Funds arrive within 1 business day. Your uninvested cash is covered by the €100,000 German deposit guarantee.
Use the search bar to find Bitcoin, Ethereum, or any available crypto. Select the asset, choose your EUR amount, and execute the trade. No commission is charged — only a small spread is embedded in the execution price.
Finanzen.net Zero supports automated savings plans (Sparpläne) for cryptocurrencies. Set a fixed monthly EUR amount for Bitcoin or Ethereum and the platform buys automatically — at zero commission per execution. An ideal tool for long-term DCA investors.
