finanzen.net ZERO review
Updated September 28, 2026 · HodlCue Editorial Team · Facts checked September 26, 2026
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Our verdict
finanzen.net ZERO suits active traders who want a cheap way in and already accept that the operator holds the balance. It ranks at position 1 of 120 brands on price, but the custody model is custodial and the 59 coin list is mid field, so it suits traders, not long term holders.
Key facts
Crypto exchanges
Facts checked September 26, 2026, 4 sources
Pros and cons
Pros
- Opening the account costs €0, and that entry point ranks at position 1 of 120 brands on price.
- Derivatives are available next to spot trading on a single centralised exchange account, so one balance covers both markets.
- The operator holds a BaFin licence in Germany, so a named regulator and a named company answer for the account.
- Coin coverage of 59 is close to the site median 49, which is workable for trading liquid pairs.
Cons
- Custody is custodial, so the keys sit with the operator rather than with the holder, the opposite of Nebeus at self custody.
- Coins supported of 59 is well short of Bit2Me at 244 for anyone chasing the long tail.
- Coins supported rank position 48 of 108 confirms the list sits in the middle of the field.
Who it suits
- Active traders who place many orders and care most about the cost of each trade.
- Readers comfortable with a custodial balance at an operator licensed by BaFin in Germany.
- People working a short list of liquid pairs rather than the long tail.
Who should look elsewhere
- Long term holders who want their own keys, since Nebeus runs self custody and the balance never sits with an operator.
- Buyers chasing long tail listings, since Bit2Me supports 244.
- Anyone who wants a device to hold keys on rather than an account, since Trezor costs $79.
How your money is protected
Custody at finanzen.net ZERO is custodial, and that one choice sets the terms for everything else. The operator holds the keys, so the balance depends on the company and the account rather than on a backup you control. Self custody reverses that: the keys sit with the holder and recovery runs through their own backup. The licensed side is German. BaFin licenses the company in Germany, which tells a reader that a named entity in a named country answers for the account. What a licence does not do is change who holds the keys, and what a protection scheme covers is set by the terms attached to the account rather than by the regulator's name. For a reader weighing the safety of the money, these are two separate checks, and this brand settles one of them. Holders who plan to sit still have to accept a counterparty in the middle of every withdrawal, which is the trade being made here for a low cost entry.
How it compares on our data
Two rankings describe the same business from opposite ends. On price, finanzen.net ZERO sits at position 1 of 120 brands, which is the front of the field. On coins supported it ranks at position 48 of 108, which reads as mid table rather than as a differentiator. For a reader who weighs costs first, the price ranking settles the question early and keeps the whole calculation on the cost of a trade. For a reader who weighs what can be bought, the coin ranking says the offer is average, so the list of pairs is the limit to plan around. Read together, the two positions describe an operator that competes on entry cost rather than on catalogue size. Those choices rarely point the same way, so the one that matters depends on how often you trade and how wide a list you need.
The company behind it
The service runs under Finanzen.net Zero GmbH, a company founded in 2020. The legal entity is the part that matters in a custodial account, because the contract, the complaints route and the regulator all attach to the company rather than to a trading brand, and a named entity is something a reader can check before depositing. Age on its own is not a licence, and it does not settle the custody question, but it tells you whether the business has been operating through more than one market cycle. The account, the exchange and the entity behind it are the same thing here, so a reader is not asked to weigh a brand promise against a company that stands behind it.
How finanzen.net ZERO compares
8.8 vs 9.4
8.8 vs 9.0
8.8 vs 8.2
8.8 vs 9.7
8.8 vs 9.5
8.8 vs 9.6
8.8 vs 9.0
8.8 vs 9.0
8.8 vs 9.0A hardware device at $79 costs money once and moves custody to the holder, which a custodial account at custodial cannot do.
8.8 vs 8.2
8.8 vs 9.7
8.8 vs 9.5
8.8 vs 9.4
8.8 vs 9.3
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.2
8.8 vs 9.1
8.8 vs 9.0
8.8 vs 8.7
8.8 vs 8.7
8.8 vs 8.6
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.5
8.8 vs 8.3
Where finanzen.net ZERO is available
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does it cost to trade on finanzen.net ZERO?+
Trading is charged at a taker fee of 0% and a maker fee of 0%, and the same rates apply to spot and derivatives. Opening the account is €0. For scale, the site median taker fee is 0.2% and the site ceiling is 5.5%, so regular volume sits at the cheap end of the market.
Can you trade derivatives on finanzen.net ZERO?+
Derivatives are available alongside spot trading. The maker and taker rates apply, so a maker fee of 0% and a taker fee of 0% are the numbers to plan around for those positions too. The service runs as a cex, a centralised exchange, so derivative positions are booked with the operator rather than settled on a public chain.
Who holds the coins on finanzen.net ZERO?+
Custody here is custodial, so the operator holds the keys and the balance sits with the company. That is the opposite of a self custody wallet such as Nebeus, which runs self custody. A holder planning to keep a position for a long period is accepting counterparty risk that a self custody setup does not carry.
Which regulator oversees finanzen.net ZERO?+
The operator is licensed by BaFin in Germany. That licence names a regulator and a country of responsibility, and it attaches to the legal entity that runs the account rather than to the trading brand. It does not change the custody model, and the terms attached to a given account decide what a holder is covered for.
How many coins can I trade?+
Coins supported stand at 59, close to the site median 49 for this category, and the brand ranks at position 48 of 108 on the same measure. That works for liquid pairs. For long tail listings, Bit2Me at 244 is the wider list.
Who runs finanzen.net ZERO and how long has it been going?+
The account is run by Finanzen.net Zero GmbH, a company founded in 2020. For a custodial account the legal entity is the important part, since the contract, the complaints route and the regulator all attach to the company rather than to a brand name. Age is not a licence, but a named entity gives a reader something specific to check before depositing.
What does it cost to open an account here?+
The account price is €0, and that entry point ranks at position 1 of 120 brands on price in this comparison. The account is a centralised exchange setup, so holdings are booked to the operator and shown inside the platform rather than held on chain under a key you manage.
Is finanzen.net ZERO a fit for long term holders?+
Not really. Custody is custodial, so a holder is trusting the operator with the balance for the whole period, while Nebeus takes the other approach with self custody. This brand fits active traders who care about the cost of each trade more than about holding keys, and who trade liquid pairs rather than a long tail.
Sources
- taketonews.com/large-selection-minimal-costs-derivatives-... checked September 26, 2026
Backs: Derivatives, Exchange type, Maker fee, Taker fee
“1.5 million tradable derivatives - from knock-outs to warrants”
- taketonews.com/switching-brokers-this-is-how-investors-sa... checked September 26, 2026
Backs: Price
“With ZERO you invest without order fees (plus spreads)”
- taketonews.com/will-bitcoin-reach-100000-again-by-2026-ke... checked September 26, 2026
Backs: Coins supported
“you can trade 59 major cryptocurrencies including Bitcoin, Ether, and Ripple”
- bankeronwheels.com/finanzen-net-review checked September 26, 2026
Backs: Custody, Founded, Legal entity, Licences
“brokerage, custody and banking services are provided through Ba”
Compiled from 4 source pages, checked September 26, 2026. We did not open an account.
Not confirmed yet: Wallet type.
Related by the facts
finanzen.net ZERO
Active traders who want low trading costs and can accept a custodial balance.