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Dieser Erfahrungsbericht zu finanzen.net zero wurde uns am 15.02.2022 vom Nutzer Fabian S. übermittelt. Er spiegelt seine/ihre Meinung und Erfahrung wider und nicht zwangsläufig die der Redaktion.
Die Depoteröffnung ging bei mir sehr schnell und unkompliziert von Zuhause aus mittels Postident-App und Ausweis. Das Depot war bereits nach zwei Tagen einsatzbereit.
Gut gefällt mir außerdem die Gestaltung der Website. Diese ist zwar recht minimalistisch gestaltet (ohne detaillierte Kursentwicklung bzw. Charts), aber ist dafür sehr übersichtlich.
Positiv ist auch die Gebührenstruktur. Da immer 0 € Ordergebühren anfallen, kann man auch gut mehrere kleinere Käufe tätigen. Dabei ist allerdings zu beachten, dass für Aktien bei Käufen bis 500 € ein Mindermengenzuschlag (1 €) anfällt und für Derivate eine Mindestordergrenze von 500 € gilt.
Was mir an dem Depot nicht gefällt (und was auch der Grund für meine nur neutrale anstatt positive Bewertung ist), ist das mangelnde Angebot an Handelsplätzen, denn der Handel ist nur über Gettex möglich. Oft wird sich dies nicht oder kaum auswirken, weil sich die Preise an den verschiedenen Handelsplätzen meist nur geringfügig unterscheiden. Gerade bei größeren Orders kann es aber passieren, dass man insgesamt mehr für eine Order zahlt als bei anderen Depotanbietern, welche zwar Ordergebühren erheben aber dafür mehr Handelsplätze zur Verfügung stellen.
Die Kosten werden dadurch auch intransparenter, weil bei der Orderaufgabe nur die Gettex-Kurse angezeigt werden und somit die Vergleichbarkeit der Orderkosten bei anderen Handelsplätzen fehlt.
Negativ finde ich außerdem, dass nur Derivate von drei Emittenten handelbar sind (Goldman Sachs, HSBC und HVB).