Bitpanda Fusion vs finanzen.net ZERO Comparison
| 0.25 % | Fees | 0 % |
| € 3.00 | Cost for €1,000 | € 24.00 |
| 100+ | Cryptos | 33 |
| SEPA Instant Transfer, SEPA Transfer, Credit Card, PayPal | Payment Methods | SEPA Transfer |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
Pros & Cons
- Volume-based maker/taker fees from 0.25% down to 0.02%
- Pro order types: limit, stop-limit, stop-market, take-profit, OCO
- Native TradingView charts with advanced indicators
- Public REST and WebSocket API for algorithmic trading
- Shared account with standard Bitpanda -- no extra onboarding
- Liquidity from 12+ aggregated order books
- Learning curve compared to the standard Bitpanda app has room for improvement
- Savings plan feature not available on Fusion
- Lowest fee tiers only reachable from high 30-day volume onward
- Asset selection limited to spot pairs -- no precious metals or stocks like on standard Bitpanda
- 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
User Experiences
AI AnalysisNo separate analysis -- based on Bitpanda.
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 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
| ✓ | Maker/Taker Model | ✓ |
| ✓ | Order Types | ✓ |
| ✓ | API | ✓ |
| ✓ | Charts | ✓ |
| ✓ | Aggregated Order Books | ✓ |
| ✓ | Savings Plan | ✓ |
| ✓ | Wallet Transfer | ✓ |
| ✓ | 2FA Security | ✓ |
| ✓ | BaFin License | ✓ |
| ✓ | Mobile App | ✓ |
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin-regulated custodian | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | Dedicated TAN app | ✓ |
- 7-tier maker/taker model from 0.25% down to 0.02%
- Native TradingView charts and pro order types
- Public REST and WebSocket API
- BaFin licensing via the Bitpanda ecosystem
- 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
| Bitpanda GmbH | Company | finanzen.net zero GmbH |
| 2014 | Founded | 2021 |
| MiCA license via BaFin | Regulation | Crypto custodian Tangany GmbH has a BaFin license. |
| € 1 | Minimum Amount | € 0.01 |
| eID, Photo ID | KYC | eID, Video-ID, POSTIDENT |