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Head to head
finanzen.net ZERO or PostFinance E-Trading? Fees, regulation, platform and product range compared side by side — with a verdict drawn from the data.
The purest zero-commission model in Germany, wrapped around the country's biggest finance portal - and served through a single trading venue.
The default Swiss brokerage account: safe, convenient, integrated with your salary account — and priced accordingly.
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 finanzen.net ZERO takes it, 3.7 against 3.3 out of 5. finanzen.net ZERO is the cheaper of the two: a reference EUR 5,000 stock order costs €0.00 there against €20.80. PostFinance E-Trading scores 84 against 81 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 finanzen.net ZERO is ahead, 3.9 against 3.0 out of 5. Which one is right depends on which of these axes matters for your trading profile.
PostFinance E-TradingPostFinance E-TradingPostFinance E-TradingPostFinance E-TradingPostFinance E-TradingUp to four brokers at once — every row a decision point.
Data as of: 30 Aug 2026
| Criterion | ||
|---|---|---|
| Overall score | 3.7 — Better | 3.3 |
| Group index | 81 of 100 | 84 of 100 |
| Best for | 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 | Existing PostFinance customersSwiss buy-and-hold investorsSmall and savings-plan ordersInvestors who prioritise counterparty strength over cost |
| Regulation | BaFinBaFinBaFinBaFin | FINMA |
| Top-tier licences | 4 — Better | 1 |
| Investor protection | €100,000 | CHF 100,000 — Better |
| Listed group | No | No |
| Banking licence | No | Yes |
| Segregated client accounts | Yes | Yes |
| Negative balance protection | Yes | Yes |
| Audited financials | No | Yes |
| Disclosed regulatory actions | None | None |
| Founded | 2018 | 1906 |
| Headquarters | Karlsruhe, DE | Berne, CH |
| Fees | 4.7 — Better | 2.5 |
| Safety & regulation | 3.6 | 4.7 — Better |
| Trading platform | 3.2 — Better | 2.8 |
| Product range | 3.2 — Better | 3.0 |
| Mobile app | 4.5 — Better | 3.2 |
| Research | 3.6 — Better | 2.8 |
| Customer support | 2.2 | 3.8 — Better |
| Deposit & withdrawal | 3.4 | 4.2 — Better |
| Account opening | 4.0 — Better | 3.5 |
| Education | 3.2 — Better | 3.0 |
| Reference order EUR 5,000 | €0.00 — Better | €20.80 |
| Minimum deposit | None | None |
| Stocks (per order) | Free | tiered |
| US stocks | Free | tiered |
| ETFs | Free | tiered |
| Options | Not offered | Not offered |
| Futures | Not offered | Not offered |
| Crypto | 1 % | 0.95 % — Better |
| Bonds (order) | Not offered | 0.25 % |
| Funds (order) | Free — Better | 1 % |
| EUR/USD spread | n/a | n/a |
| Index CFD spread | n/a | n/a |
| FX conversion | n/a | n/a |
| Inactivity fee | None | None |
| Custody fee | None — Better | CHF 72 p.a. |
| Withdrawal fee | free | free |
| Deposit fee | free | free |
| Overnight financing | n/a | n/a |
| Other fees |
|
|
| Asset classes (of 14) | 7 — Better | 6 |
| Exchanges | 1 | 20 — Better |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | No | No |
| Forex | No | No |
| CFDs | No | No |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Funds | Yes | Yes |
| Commodities | Yes | No |
| Indices | Yes | No |
| Warrants | Yes | Yes |
| Spread betting | No | No |
| Social trading | No | No |
| Platforms | finanzen.net ZERO App (iOS / Android)Broker Cockpit on finanzen.netTraderFoxstock3finanzen.net zero Secure TAN | e-finance e-tradingPostFinance AppTelephone order desk |
| Demo account | No | No |
| Fractional shares | Yes | Yes |
| Maximum leverage | 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%… | n/a |
| Account opening | 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 | Added online inside e-finance to an existing PostFinance banking relationship; new customers must first open a PostFinance private account |
| Account types | ZERO DepotKinderdepotAltersvorsorgedepot | E-trading custody accountFund self-serviceE-asset managementInvestment consulting plus |
| Payment methods | Bank transferSEPA | Bank transferSEPA |
| Account currencies | EUR | CHFEURUSD |
| Deposit time | SEPA credit transfer, typically 1 business day | Instant from a linked PostFinance account; SEPA and domestic transfers 1–2 business days |
| Withdrawal time | 1-2 business days to the registered reference account | Instant to a linked PostFinance account; 1–2 business days to an external bank |
| Free withdrawals | n/a | n/a |
| Languages | German | GermanFrenchItalianEnglish |
| Channels | Ticket systemEmail | PhoneEmailLive chatBranch |
| Availability | German business hours; ticket system inside the login only - there is no published telephone hotline | General hotline Mon–Fri 8 a.m.–8 p.m. and Sat 8 a.m.–5 p.m.; dedicated e-trading order desk Mon–Fri 8 a.m.–10 p.m. (Swiss time) |
Editorial assessment based on the recorded data.
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
PostFinance E-Trading
The default Swiss brokerage account: safe, convenient, integrated with your salary account — and priced accordingly.
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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