finanzen.net zero review 2026

The schedule of prices and services shows 0.00 euros for custody. There is no basic fee, no inactivity fee and no minimum holding. Running the settlement account is also free of charge. No current account at another bank is needed: the settlement account is opened together with the custody account at Baader Bank as the institution holding the account, and deposits are made by transfer or direct debit from the reference account. No additional account costs arise as a result. Scoring (20/20): The custody account fee is unconditionally free (15/15), and a separate current account is not required (5/5).

finanzen.net zero trades shares, ETFs and funds via gettex and off-exchange direct trading with no order fee. From a market value of 500 euros, the order is commission-free; below this limit, the broker charges a small-order surcharge of 1.00 euro according to its price list. A one-off investment of 500 euros therefore costs 0.00 euros. For fractional-share executions, 1.00 euro is charged separately. Savings plan executions are free regardless of the instalment, so a 400-euro ETF savings plan costs 0.00 euros. The decisive drawback is the choice of trading venues: finanzen.net zero offers only gettex and off-exchange trading. There is no access to Xetra or other reference exchanges – anyone who wants to place orders outside gettex trading hours or on a reference exchange cannot do so here. Scoring (22/25): The 400-euro ETF savings plan is free (12/12), as is the 500-euro one-off investment (10/10). Xetra orders are not possible, hence zero points for this criterion (0/3).

On its savings plan page, the provider states more than 2,000 savings-plan-eligible ETFs, plus around 8,000 shares, 58 crypto assets and around 100 funds. This reaches the top methodology band of 2,000 ETF savings plans. All savings plan executions are free; there is no split into paid and promotional savings plans. The minimum savings amount is 1 euro, and execution takes place weekly, fortnightly, monthly or quarterly, as you choose. Scoring (20/20): More than 2,000 ETF savings plans (8/8), all of them free (7/7), minimum savings amount 1 euro (5/5).

In its feature overview, finanzen.net zero lists around 8,500 tradable shares, around 2,000 ETFs, around 3,000 funds, 58 crypto assets and around one million derivatives. For a neobroker, that is a broad offering, although the selection of shares and ETFs is smaller than at traditional direct banks. Bonds are not tradable. Anyone who wants to hold individual fixed-income securities in their custody account needs another broker for that; the gap can only be closed indirectly through bond ETFs. Scoring (14/15): Around 2,000 ETFs reach the top band (6/6), and around 8,500 shares are above the 7,500 threshold (6/6). Of the three additional asset classes, crypto and derivatives are available, bonds are not (2/3).

According to the schedule of prices and services, balances in the settlement account earn 0.00 per cent interest. finanzen.net zero does not offer an interest-bearing instant-access savings or interest account within the custody relationship; the provider instead points to money market ETFs, which are, however, a securities investment and not account interest. On extras, the broker is active: at the time of data collection, a new-customer promotion with a 50-euro bonus, a free-shares promotion worth 25 euros and a custody account transfer cashback of up to 240 euros were running. We count the regularly advertised new-customer bonus of 50 euros; the higher cashback amounts are tied to the volume of the transferred custody account and are therefore not attainable for every new customer. Scoring (2/8): There is no interest at all on the settlement account (0/5). The new-customer bonus of 50 euros reaches the middle band (2/3).

The finanzen.net zero app is among the best rated in the custody account comparison: 4.7 stars from around 26,750 ratings in the App Store and 4.6 stars from around 25,600 ratings in the Google Play Store (as of September 2026). Both platforms are therefore above the 4.5-star threshold. A web interface is also available. Real-time prices are part of the standard offering and are shown in the app and web interface without an additional subscription, supplemented by push notifications on order execution and a watchlist. Scoring (8/8): Apps for iOS and Android, each with at least 4.5 stars (5/5), and free real-time prices (3/3).

finanzen.net zero does not offer telephone customer service. Contact for existing customers runs exclusively via a ticket system and the service team's email address. The telephone numbers given in the legal notice (Impressum) do not belong to customer service but to the liability umbrella DonauCapital, to BaFin and to the arbitration body – a call there does not replace support. From a regulatory point of view, the structure is sound: finanzen.net zero is entered in the BaFin register as a tied agent, and account and custody account management is handled by Baader Bank as a German deposit-taking credit institution. Securities are special assets (Sondervermögen), and account balances are covered by statutory deposit protection (Einlagensicherung). Scoring (0/4): Since no telephone support exists for customers, the methodology awards no points in this chapter (0/4).