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Head to head
Revolut Invest or finanzen.net ZERO? 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 investing tab inside a banking app you already open daily — frictionless to start, quick to outgrow.
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 3.2 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 | 3.2 | 3.7 — Better |
| Group index | 80 of 100 | 81 of 100 |
| Best for | Existing Revolut customersFirst-time investorsSmall fractional purchasesMobile-only investingIdle-cash interest | 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 | FCABank of Lithuania | BaFinBaFinBaFinBaFin |
| Top-tier licences | 1 | 4 — Better |
| Investor protection | £85,000 | €100,000 — Better |
| Listed group | No | No |
| Banking licence | Yes | No |
| Segregated client accounts | Yes | Yes |
| Negative balance protection | Yes | Yes |
| Audited financials | Yes | No |
| Disclosed regulatory actions | None | None |
| Founded | 2015 | 2018 |
| Headquarters | Vilnius, LT | Karlsruhe, DE |
| Fees | 3.4 | 4.7 — Better |
| Safety & regulation | 3.6 | 3.6 |
| Trading platform | 3.2 | 3.2 |
| Product range | 2.4 | 3.2 — Better |
| Mobile app | 4.4 | 4.5 — Better |
| Research | 1.8 | 3.6 — Better |
| Customer support | 1.6 | 2.2 — Better |
| Deposit & withdrawal | 4.5 — Better | 3.4 |
| Account opening | 4.8 — Better | 4.0 |
| Education | 1.3 | 3.2 — Better |
| Reference order EUR 5,000 | €12.50 | €0.00 — Better |
| Minimum deposit | None | None |
| Stocks (per order) | 0.25 % | Free — Better |
| US stocks | 0.25 % | Free — Better |
| ETFs | 0.25 % | Free — Better |
| Options | Not offered | Not offered |
| Futures | Not offered | Not offered |
| Crypto | 1.49 % | 1 % — Better |
| Bonds (order) | n/a | Not offered |
| Funds (order) | n/a | Free |
| EUR/USD spread | n/a | n/a |
| Index CFD spread | 0.3 points | n/a |
| FX conversion | 0.5 % | 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) | 7 | 7 |
| Exchanges | 3 — Better | 1 |
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | No | No |
| Futures | No | No |
| Forex | No | No |
| CFDs | Yes | No |
| Crypto | Yes | Yes |
| Bonds | Yes | No |
| Funds | No | Yes |
| Commodities | Yes | Yes |
| Indices | Yes | Yes |
| Warrants | No | Yes |
| Spread betting | No | No |
| Social trading | No | No |
| Platforms | Revolut mobile app (iOS / Android)Revolut web appTrading Terminal (TradingView-powered) | 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 | 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,… | 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 | Minutes inside the Revolut app; verification typically completes within one business day | 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 | StandardPlusPremiumMetalUltra | ZERO DepotKinderdepotAltersvorsorgedepot |
| Payment methods | Bank transferSEPASEPA InstantDebit cardCredit cardApple PayGoogle Pay | Bank transferSEPA |
| Account currencies | EURUSDGBPCHFPLNSEKNOKDKKCZKHUF | EUR |
| Deposit time | Instant from the Revolut balance, by card or via Apple/Google Pay | SEPA credit transfer, typically 1 business day |
| Withdrawal time | About 1 business day to an external bank account | 1-2 business days to the registered reference account |
| Free withdrawals | n/a | n/a |
| Languages | EnglishGermanFrenchSpanishItalianPortugueseDutchPolishRomanianLithuanian+2 | German |
| Channels | Live chatPhoneTicket system | Ticket systemEmail |
| Availability | 24/7 in-app chat and chatbot | German business hours; ticket system inside the login only - there is no published telephone hotline |
Editorial assessment based on the recorded data.
Revolut Invest
The investing tab inside a banking app you already open daily — frictionless to start, quick to outgrow.
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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