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Head to head
finanzen.net ZERO or Revolut Invest? Fees, regulation, platform and product range compared side by side — with a verdict drawn from the data.
Risk warning: CFDs and leveraged products are complex instruments and come with a high risk of losing money rapidly. Investments can fall in value. Past performance is not an indicator of future results.
The purest zero-commission model in Germany, wrapped around the country's biggest finance portal - and served through a single trading venue.
The investing tab inside a banking app you already open daily — frictionless to start, quick to outgrow.
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 3.2 out of 5. finanzen.net ZERO is the cheaper of the two: a reference EUR 5,000 stock order costs €0.00 there against €12.50. finanzen.net ZERO scores 81 against 80 out of 100 on the group index. Your account's protection depends on its legal entity. Both cover 7 of 14 asset classes. On platform and app finanzen.net ZERO is ahead, 3.9 against 3.8 out of 5. Which one is right depends on which of these axes matters for your trading profile.
Up to four brokers at once — every row a decision point.
Data as of: 30 Aug 2026
| Criterion | ||
|---|---|---|
| Overall score | 3.7 — Better | 3.2 |
| Group index | 81 of 100 | 80 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 Revolut customersFirst-time investorsSmall fractional purchasesMobile-only investingIdle-cash interest |
| Regulation | BaFinBaFinBaFinBaFin | FCABank of Lithuania |
| Top-tier licences | 4 — Better | 1 |
| Investor protection | €100,000 — Better | £85,000 |
| 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 | 2015 |
| Headquarters | Karlsruhe, DE | Vilnius, LT |
| Fees | 4.7 — Better | 3.4 |
| Safety & regulation | 3.6 | 3.6 |
| Trading platform | 3.2 | 3.2 |
| Product range | 3.2 — Better | 2.4 |
| Mobile app | 4.5 — Better | 4.4 |
| Research | 3.6 — Better | 1.8 |
| Customer support | 2.2 — Better | 1.6 |
| Deposit & withdrawal | 3.4 | 4.5 — Better |
| Account opening | 4.0 | 4.8 — Better |
| Education | 3.2 — Better | 1.3 |
| Reference order EUR 5,000 | €0.00 — Better | €12.50 |
| Minimum deposit | None | None |
| Stocks (per order) | Free — Better | 0.25 % |
| US stocks | Free — Better | 0.25 % |
| ETFs | Free — Better | 0.25 % |
| Options | Not offered | Not offered |
| Futures | Not offered | Not offered |
| Crypto | 1 % — Better | 1.49 % |
| Bonds (order) | Not offered | n/a |
| Funds (order) | Free | n/a |
| EUR/USD spread | n/a | n/a |
| Index CFD spread | n/a | 0.3 points |
| FX conversion | n/a | 0.5 % |
| Inactivity fee | None | None |
| Custody fee | None | None |
| Withdrawal fee | free | free |
| Deposit fee | free | free |
| Overnight financing | n/a | n/a |
| Other fees |
|
|
| Asset classes (of 14) | 7 | 7 |
| Exchanges | 1 | 3 — Better |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | No | No |
| Forex | No | No |
| CFDs | No | Yes |
| Crypto | Yes | Yes |
| Bonds | No | Yes |
| Funds | Yes | No |
| Commodities | Yes | Yes |
| Indices | Yes | Yes |
| Warrants | Yes | No |
| Spread betting | No | No |
| Social trading | No | No |
| Platforms | finanzen.net ZERO App (iOS / Android)Broker Cockpit on finanzen.netTraderFoxstock3finanzen.net zero Secure TAN | Revolut mobile app (iOS / Android)Revolut web appTrading Terminal (TradingView-powered) |
| 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%… | Cash equity, ETF and bond trading is unleveraged. Where stock and index CFDs are offered they are subject to ESMA retail leverage caps (20:1 on major indices,… |
| 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 | Minutes inside the Revolut app; verification typically completes within one business day |
| Account types | ZERO DepotKinderdepotAltersvorsorgedepot | StandardPlusPremiumMetalUltra |
| Payment methods | Bank transferSEPA | Bank transferSEPASEPA InstantDebit cardCredit cardApple PayGoogle Pay |
| Account currencies | EUR | EURUSDGBPCHFPLNSEKNOKDKKCZKHUF |
| Deposit time | SEPA credit transfer, typically 1 business day | Instant from the Revolut balance, by card or via Apple/Google Pay |
| Withdrawal time | 1-2 business days to the registered reference account | About 1 business day to an external bank account |
| Free withdrawals | n/a | n/a |
| Languages | German | EnglishGermanFrenchSpanishItalianPortugueseDutchPolishRomanianLithuanian+2 |
| Channels | Ticket systemEmail | Live chatPhoneTicket system |
| Availability | German business hours; ticket system inside the login only - there is no published telephone hotline | 24/7 in-app chat and chatbot |
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
Revolut Invest
The investing tab inside a banking app you already open daily — frictionless to start, quick to outgrow.
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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