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Head to head
Coinbase or finanzen.net ZERO? Fees, regulation, platform and product range compared side by side — with a verdict drawn from the data.
One of the most trusted on-ramps in crypto, and one of the most expensive ways to actually trade.
The purest zero-commission model in Germany, wrapped around the country's biggest finance portal - and served through a single trading venue.
Advertising disclosure: where a partnership is active, we may earn a commission through broker links. The provider’s terms apply. Commissions do not influence our ratings; paid placements are separately labelled as sponsored.
Four decision axes, each derived from the recorded data.
Overall both land on 3.7 out of 5. On commissions there is little between them — €0.00 against €0.00 for a reference EUR 5,000 order. finanzen.net ZERO scores 81 against 78 out of 100 on the group index. Your account's protection depends on its legal entity. finanzen.net ZERO covers more ground with 7 of 14 asset classes against 6. On platform and app Coinbase is ahead, 4.4 against 3.9 out of 5. Which one is right depends on which of these axes matters for your trading profile.
CoinbaseCoinbaseCoinbaseCoinbaseCoinbaseUp to four brokers at once — every row a decision point.
Data as of: 30 Aug 2026
| Criterion | ||
|---|---|---|
| Overall score | 3.7 | 3.7 |
| Group index | 78 of 100 | 81 of 100 |
| Best for | First-time crypto buyersMobile-first investorsUS and UK investors wanting crypto and stocks in one appAnyone who prioritises a listed, audited counterparty | Cost-focused ETF and share investors in DACHMobile-first beginnersSavings-plan investors from EUR 1 a monthParents opening a junior accountReaders of finanzen.net who want research and dealing in one place |
| Regulation | CSSFCBIFINRAFCAFCA | BaFinBaFinBaFinBaFin |
| Top-tier licences | 5 — Better | 4 |
| Investor protection | US$500,000 — Better | €100,000 |
| Listed group | Yes | No |
| Banking licence | No | No |
| Segregated client accounts | Yes | Yes |
| Negative balance protection | No | Yes |
| Audited financials | Yes | No |
| Disclosed regulatory actions | 3 | None |
| Founded | 2012 | 2018 |
| Headquarters | Remote-first, incorporated in Delaware, US | Karlsruhe, DE |
| Fees | 2.6 | 4.7 — Better |
| Safety & regulation | 4.4 — Better | 3.6 |
| Trading platform | 4.1 — Better | 3.2 |
| Product range | 4.2 — Better | 3.2 |
| Mobile app | 4.6 — Better | 4.5 |
| Research | 3.4 | 3.6 — Better |
| Customer support | 2.8 — Better | 2.2 |
| Deposit & withdrawal | 3.8 — Better | 3.4 |
| Account opening | 4.5 — Better | 4.0 |
| Education | 3.8 — Better | 3.2 |
| Reference order EUR 5,000 | €0.00 | €0.00 |
| Minimum deposit | None | None |
| Stocks (per order) | Free | Free |
| US stocks | Free | Free |
| ETFs | Free | Free |
| Options | Not offered | Not offered |
| Futures | tiered | Not offered |
| Crypto | tiered | 1 % |
| Bonds (order) | n/a | Not offered |
| Funds (order) | n/a | Free |
| EUR/USD spread | n/a | n/a |
| Index CFD spread | n/a | n/a |
| FX conversion | 0.5 % | n/a |
| Inactivity fee | None | None |
| Custody fee | None | None |
| Withdrawal fee | n/a | free |
| Deposit fee | n/a | free |
| Overnight financing | n/a | n/a |
| Other fees |
|
|
| Asset classes (of 14) | 6 | 7 — Better |
| Exchanges | n/a | 1 |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | Yes | No |
| Forex | No | No |
| CFDs | No | No |
| Crypto | Yes | Yes |
| Bonds | No | No |
| Funds | No | Yes |
| Commodities | Yes | Yes |
| Indices | Yes | Yes |
| Warrants | No | Yes |
| Spread betting | No | No |
| Social trading | No | No |
| Platforms | Coinbase (web)Coinbase AdvancedCoinbase mobile appCoinbase Advanced API / Coinbase Developer PlatformCoinbase PrimeCoinbase International Exchange | finanzen.net ZERO App (iOS / Android)Broker Cockpit on finanzen.netTraderFoxstock3finanzen.net zero Secure TAN |
| Demo account | No | No |
| Fractional shares | No | Yes |
| Maximum leverage | EEA and UK retail customers get spot only — Coinbase Luxembourg's MiCA permissions do not include leveraged retail products. | No CFDs, no forex, no margin trading and no short selling. Borrowing is available only as a Depotkredit against the portfolio at 3-month EURIBOR plus 3.00%… |
| Account opening | Fully online, typically minutes; identity verification is automated for most European and US applicants | Fully digital; requires a main residence in the EU and a self-declaration of investment experience; crypto and the securities loan are available only to residents of Germany |
| Account types | CoinbaseCoinbase One BasicCoinbase One PreferredCoinbase One PremiumCoinbase Prime | ZERO DepotKinderdepotAltersvorsorgedepot |
| Payment methods | SEPABank transferCredit cardDebit cardPayPalApple PayGoogle PayiDEALCrypto | Bank transferSEPA |
| Account currencies | USDEURGBP | EUR |
| Deposit time | SEPA 1–3 business days; cards, PayPal, Apple Pay and Google Pay instant | SEPA credit transfer, typically 1 business day |
| Withdrawal time | SEPA 1–3 business days; PayPal instant where supported | 1-2 business days to the registered reference account |
| Free withdrawals | n/a | n/a |
| Languages | EnglishGermanFrenchSpanishItalianPortuguese | German |
| Channels | PhoneEmailLive chatTicket system | Ticket systemEmail |
| Availability | 24/7 chat and phone, with priority queues reserved for Coinbase One Preferred and Premium | German business hours; ticket system inside the login only - there is no published telephone hotline |
Editorial assessment based on the recorded data.
Coinbase
One of the most trusted on-ramps in crypto, and one of the most expensive ways to actually trade.
Pros
Cons
Best for
finanzen.net ZERO
The purest zero-commission model in Germany, wrapped around the country's biggest finance portal - and served through a single trading venue.
Pros
Cons
Best for
Open an account with either
A demo account costs nothing and answers the platform question in ten minutes.
Advertising disclosure: where a partnership is active, we may earn a commission through broker links. The provider’s terms apply. Commissions do not influence our ratings; paid placements are separately labelled as sponsored.
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