Binance vs finanzen.net ZERO Comparison
| 1.75 % | Fees | 0 % |
| € 18.50 | Cost for €1,000 | € 24.00 |
| 370+ | Cryptos | 33 |
| SEPA Transfer, Credit Card | Payment Methods | SEPA Transfer |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Pros & Cons
- Over 370 cryptocurrencies available
- Savings plan and staking available
- Largest crypto exchange worldwide with low spreads
- Wallet transfer possible
- Payment methods: SEPA transfer and credit card
- No BaFin license in Germany
- Trading fees of 1.75 % for direct purchases have room for improvement
- Total costs of 18.50 € per trade occasionally criticized
- Cost transparency is rated as limited – direct purchases without a clear cost overview
- 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
Score Comparison
User Experiences
AI AnalysisAccording to reviews, Binance is often praised overall for its ease of use, the large selection of coins, and fees that are generally perceived as low. At the same time, users occasionally report criticism regarding support, verification, and language options, especially with regard to a German app version.
According 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.
This analysis is based on 788 user reviews evaluated by AI from the Apple App Store and Google Play Store. 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 reviews shown reflect user experiences and do not represent the site operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Cost transparency | ✓ |
| ✓ | 2FA security | ✓ |
| ✓ | Whitelist | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Credit card | ✓ |
| ✓ | Minimum amount | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
- Largest crypto exchange worldwide by trading volume
- Low spreads in order book trading
- Savings plan and staking available
- On the market since 2017
- 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
Details
| Binance Holdings Ltd. | Company | finanzen.net zero GmbH |
| 2017 | Founded | 2021 |
| License in Germany refused by BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| ~$10 USD | Minimum Amount | € 0.01 |
| Photo ID | KYC | eID, Video-ID, POSTIDENT |