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Head to head
justTRADE or finanzen.net ZERO? Fees, regulation, platform and product range compared side by side — with a verdict drawn from the data.
A stripped-down German neobroker that puts three exchanges in competition for every order - and only accepts German citizens.
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 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 €1.00. finanzen.net ZERO scores 81 against 69 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 3.4 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 | 3.3 | 3.7 — Better |
| Group index | 69 of 100 | 81 of 100 |
| Best for | German-resident cost-conscious buy-and-hold investorsInvestors who want shares, ETFs and real crypto in one loginCertificate and warrant traders using the Gold partnersSmall savings-plan investors from EUR 25 a month | 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 | BaFinBaFin | BaFinBaFinBaFinBaFin |
| Top-tier licences | 2 | 4 — Better |
| Investor protection | €100,000 | €100,000 |
| Listed group | No | No |
| Banking licence | No | No |
| Segregated client accounts | Yes | Yes |
| Negative balance protection | Yes | Yes |
| Audited financials | No | No |
| Disclosed regulatory actions | 1 | None |
| Founded | 2019 | 2018 |
| Headquarters | Frankfurt am Main, DE | Karlsruhe, DE |
| Fees | 3.6 | 4.7 — Better |
| Safety & regulation | 3.7 — Better | 3.6 |
| Trading platform | 3.0 | 3.2 — Better |
| Product range | 2.9 | 3.2 — Better |
| Mobile app | 3.7 | 4.5 — Better |
| Research | 2.4 | 3.6 — Better |
| Customer support | 2.3 — Better | 2.2 |
| Deposit & withdrawal | 3.0 | 3.4 — Better |
| Account opening | 4.2 — Better | 4.0 |
| Education | 2.4 | 3.2 — Better |
| Reference order EUR 5,000 | €1.00 | €0.00 — Better |
| Minimum deposit | None | None |
| Stocks (per order) | €1 | Free — Better |
| US stocks | €1 | Free — Better |
| ETFs | €1 | Free — Better |
| Options | Not offered | Not offered |
| Futures | Not offered | Not offered |
| Crypto | 0.125 % — Better | 1 % |
| Bonds (order) | Not offered | Not offered |
| Funds (order) | Not offered | Free |
| EUR/USD spread | n/a | n/a |
| Index CFD spread | n/a | n/a |
| FX conversion | 0.4 % | n/a |
| 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) | 6 | 7 — Better |
| Exchanges | 3 — Better | 1 |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | No | No |
| Forex | No | No |
| CFDs | No | No |
| Crypto | Yes | Yes |
| Bonds | No | No |
| Funds | No | Yes |
| Commodities | Yes | Yes |
| Indices | Yes | Yes |
| Warrants | Yes | Yes |
| Spread betting | No | No |
| Social trading | No | No |
| Platforms | justTRADE WebjustTRADE App (iOS / Android)stock3 (formerly Guidants) | finanzen.net ZERO App (iOS / Android)Broker Cockpit on finanzen.netTraderFoxstock3finanzen.net zero Secure TAN |
| Demo account | No | No |
| Fractional shares | Yes | Yes |
| Maximum leverage | No margin account, no securities-backed credit line, no CFDs and no short selling. | 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 digital via the app with video identification; justTRADE says a new account is live within about 10 minutes | 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 | justTRADE DepotCrypto wallet (Tangany)Altersvorsorgedepot | ZERO DepotKinderdepotAltersvorsorgedepot |
| Payment methods | Bank transferSEPA | Bank transferSEPA |
| Account currencies | EUR | EUR |
| Deposit time | SEPA credit transfer, typically 1 business day; SEPA instant is not supported | SEPA credit transfer, typically 1 business day |
| Withdrawal time | 1-2 business days to the registered reference account; sale proceeds are only transferable after T+2 settlement | 1-2 business days to the registered reference account |
| Free withdrawals | n/a | n/a |
| Languages | German | German |
| Channels | Ticket systemEmail | |
| Availability | Business hours, German only; email and secure mailbox only - no telephone hotline and no live chat | German business hours; ticket system inside the login only - there is no published telephone hotline |
Editorial assessment based on the recorded data.
justTRADE
A stripped-down German neobroker that puts three exchanges in competition for every order - and only accepts German citizens.
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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