finanzen.net zero experience

Finanzen.net Zero Experience Switzerland

Finance.net Zero is a broker that works with a free custody account and 0 order fees advertises. It also has a large and wide-ranging offering. In addition to shares and ETFs, you can also trade cryptocurrencies here.

Neo-Broker, based in Karlsruhe, is an offshoot of the Finanzen.net Group and enjoys great popularity in Germany.

But What is the situation in Switzerland?? In this Finanzen.net Zero experience report Switzerland, we take a look at whether you can create a custody account and use the offer in this country at all.

Table of contents

Finanzen.net Zero at a glance

Finanzen.net Zero offers, in addition to a fee-free trading also a very wide range.

  • More than 7,500 sharesover 2,000 ETFs and funds, over 1.2 million warrants and certificates can be traded.
  • At over 1,500 ETFs you can create automatic ETF savings plans.
  • Simple, fully Digital securities account opening and deposit protection up to 100,000 euros.
  • Minden quantity surcharge or €1 is charged for order volumes under €500.
  • Trade from Cryptocurrencies such as Bitcoin, Ethereum and around 30 other crypto assets / ETPs.
  • No order feesno minimum investment volume, low spread and free custody account management.

 

You can also find stock market news and financial information directly in the app.

All in all, an exciting offer, where you might ask yourself where the provider earns any money at all. After all, the custody account management costs nothing, then finanzen.net Zero offers free purchases of shares. And the online broker also does not charge any fees per order when selling or a 1 euro minimum quantity surcharge, as well as no excessively high spreads for investors.

But first a more important question!

Is Finanzen.net Zero available in Switzerland?

Although Finanzen.net Zero is based in Germany and the securities account is managed by Baader Bank, the broker has also been serving customers in Switzerland for some time. You should benefit from the favourable conditions in future and even get one for Switzerland. receive a tax-optimised report.

However, the go-live seems to be delayed and Finanzen.net Zero is still not available for residents of Switzerland.

Since May 2024 you can trade 170 Swiss shares (such as Roche, Nestle and UBS) on the broker and the Swiss tax report is also mentioned. However, the product is not available. The question is, however, whether the Finanzen.net broker is ideal for the Swiss at all.

Why Finanzen.net is not ideal for the Swiss

Although the Neo-Broker will also be available in Switzerland, there are a few reasons why it is not necessarily the best solution for investors in Switzerland.

Currently the Deposit only available in EURwhich means you need a EUR reference account. According to Finanzen.net Zero, the introduction of a CHF custody account is not planned in the near future.

This means that not only do you incur exchange fees of around 1% every time you buy and sell, but you also expose yourself to currency risk. Over the last 30 years, the euro has fallen against the CHF, losing around 50% in value. You can find out more about this in our guide to the Investing money in Switzerland.

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Alternatives to Finanzen.net Zero in Switzerland

Since Finanzen.net Zero is not the best solution for Switzerland in our experience, we will now show you some more Swiss supplierwhere you can also inexpensive but without currency risk shares and ETFs.

Yuh

The Yuh App is the result of a collaboration between Swissquote and PostFinance. This is a All-round finance appwhich also has an investment section in addition to a regular account.

Here you can also Open a custody account free of charge and benefit from low trading fees. How it costs ETF or share purchases 0.5% each. Trading in cryptocurrencies, on the other hand, incurs 1% fees.

You can also Set up savings plansto achieve your investment goals conveniently and passively. You can also obtain a tax statement here for a small fee.

But the biggest advantage of the Yuh app is probably that you can not only invest here, but also carry out any other financial activities. Also Banking and a Pillar 3a you have combined here in one app.

True Wealth

In our experience, another good alternative to Finanzen.net Zero is True Wealth. This is a kind of Combination between a roboadvisor and a digital asset manager. Instead of being able to select individual stocks, True Wealth automatically puts together a strategy based on your risk profile.

This provider is particularly suitable if you Invest larger sums relatively passively would like. This is because the trading fees are very low at 0.25 to 0.5% (+ 0.13% product costs). True Wealth also offers a children's account where you can set up an ETF account for your offspring.

However, you also have to pay in at least CHF 8,500to be able to start investing at all.

Selma Finance

Selma Finance is also one of the very modern Swiss roboadvisors. Similar to True Wealth, Selma suggests a strategy based on your risk profile. While this can be customised to some extent, the offer is also aimed more at people who don't want to deal with the investment in depth.

At 0.9%, the fees here are somewhat higher than those of the competition. On the other hand, the platform convinces with a Modern and sleek designwhich makes investing appealing and easy to understand.

Swissquote

Would you prefer to take a more active approach to your investments and determine your trades yourself? Then you are at Swissquote at the right address.

This is the leading Swiss broker. Similar to Finanzen.net Zero, it also has a huge range of shares, ETFs and cryptocurrencies. Strictly speaking, the offer is over 3 million products even a lot bigger.

Due to the wide range on offer, you may also need other currencies. Here you can get Various currency accountsbut you also pay 0.95% when exchanging currencies.

In addition, Swissquote requires a Deposit fee of between CHF 20 and CHF 50 per quarter. Swissquote also works with fixed trading fees and charges CHF 9 for every ETF purchase. This platform is therefore particularly suitable if you are trading larger sums.

How does Finanzen.net Zero earn money?

In the Finanzen.net Zero test, we quickly asked ourselves where or how the provider actually earns money. The securities account at Finanzen.net Zero costs nothing, 0 or 1 euro is charged per order and there are hardly any other costs for investors.

This is because the broker with Baader Bank and the Gettex stock exchange. has. Baader Bank takes care of the account and custody account management in the background. The small stock exchange Gettex is otherwise probably less well-known and has concluded a cooperation agreement with Finanzen Net Zero. Instead of taking the fees from the investors, the Gettex exchange forwards a fee to the provider.

Whether the spreads are actually always so favourable in practice must therefore be checked carefully. The time of the trades should therefore at best be adjusted to the opening hours of the Xetra exchange. However, as there are many arguments against the provider for the Swiss, Schwiizerfranke does not provide a more in-depth analysis.

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Conclusion Finanzen.net Zero Experience Switzerland

To summarise, the Finanzen.net Zero Broker In our experience, this has not yet been utilised in Switzerland, but this is likely to change soon. Nevertheless the broker is not ideally suited for Swiss clients due to the lack of a CHF custody account.. The additional exchange fees incurred and the currency risk would ultimately result in significantly higher fees than those advertised by the broker.

In Switzerland, you're therefore better off with providers such as Yuh, True Wealth, Selma or Swissquote better off.

You can find more options in our comprehensive guide on the topic "Investing Money Switzerland".

14 responses

  1. I wanted to make one comment: It doesn't matter which currency you invest in. You are not exposed to any currency risk.

    Ex:
    Company A is worth USD 1bn.
    1 USD = 1 EUR = 0.75 CHF
    The company is therefore worth EUR 1bn or CHF 750k.

    One year later, the company is worth USD 2bn.
    1 USD = 1.1 EUR = 0.7 CHF
    The company is therefore worth EUR 2.2bn or CHF 1.4bn.

    In USD, the value increases by 100 per cent, in EUR by 120 per cent and in CHF by 87 per cent.

    The performance of an exchange rate is therefore priced into the performance in the investment currency. And in an upswing, the return in trading currency falls, in a downswing, the return in trading currency rises.

    Reply

    1. Thank you for your input. However, the currency risk ultimately affects your "final value" in the home currency if you sell later and switch back. A price gain in USD can be reduced again by an unfavourable dollar exchange rate - or even increased if the USD has risen. In the example calculation, you may have mathematically converted the same value in different currencies, but for an investor who ends up buying in CHF, the exchange rate at the time of the sale certainly plays a role.

      Reply

      1. You're right, of course. But the same applies if your securities account is held in CHF and you have US or German shares. These are also traded at the current exchange rate when you sell the shares.

        As Florian says, it therefore makes no difference which currency your securities account is held in (provided you have invested your money and are not just leaving it lying around).

        Reply

        1. That's not entirely true, Thomas. I agree with Eric. The portfolio is the foundation of your investments.
          For Swiss investors, it makes sense to invest a significant portion in CHF (SPI and Co.). However, every foreign currency trade at Finanzen Net Zero is subject to an exchange rate surcharge in the form of spreads by Baader Bank. This is simply not a fair basis for Swiss investors.

          However, as soon as CHF becomes available as a custody currency, this completely changes the situation!

          Reply

  2. You need an address in Germany to open a securities account with Finanzen.net. If you have an address in Switzerland but are only resident in Switzerland for tax purposes, it will be difficult. The answer from info-service: "We open individual accounts for private individuals of legal age with their main residence in selected EU countries*. It is therefore unfortunately not possible for you to open an account." *Switzerland is not on the list ;(

    Reply

    1. Why would that not work? I have been trading via finanzen.net.zero since July 2024, I am Swiss and also resident in Switzerland. I submitted an application and an account was automatically opened for me at Baaderbank. The only thing I have to do is link this account to a reference account in Switzerland from where all deposits and withdrawals are made. That was it. No problem at all. I can only recommend it to anyone who invests in foreign shares anyway, because the currency risk doesn't play a role in the market value of the foreign share anyway. The spreads are also very low and there are no fees. I am completely satisfied.

      Reply

      2. Are taxes withheld from your dividends and profits? A resident of Germany pays 25% capital gains tax and an additional 5.5% solidarity surcharge. The total tax burden is therefore 26.375%.
        If so, to what extent can you offset this tax against Swiss tax under a double taxation agreement?

        Reply

  3. Hi
    The information on Finanzen.net for the Swiss is incorrect. It cannot be used from Switzerland, I tried it myself and registration is not possible. Where did you get the information?

    Reply

    1. Hello Joe,
      The information comes from a direct conversation with the Finanzen.net Zero team. It's best to ask why it didn't work out for you ... but as you can see in the report, not everything speaks in favour of it anyway ...

      Reply

      1. I can also only select countries of the European Union as my place of residence in the registration form. Where does the information about Switzerland come from?

        Reply

        1. Apparently they have backtracked here ... I have checked and can confirm your information, thank you very much. The post has been adjusted and I will contact the provider.

          Reply
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