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Side-by-side comparison of fees, features, and ratings

CZ logo
CZ
Zilveren Kruis logo
Zilveren Kruis
CZ logo
CZ3.5Dutch non-profit health insurer with 3M+ customers since 1930 — rated 8.0/10 for customer serviceOpen accountView full review
Zilveren Kruis logo
Zilveren Kruis3.5Major Dutch health insurer (Achmea group) — comprehensive healthcare coverage with fraud awarenessOpen accountView full review
Overview
Categoryinsuranceinsurance
Difficultybeginner
Founded19301926
HeadquartersNetherlandsNetherlands
Best for
Ratings
Overall
3.5
3.5
Fees
3.5
3.0
Platform
4.0
3.5
Safety
4.5
4.5
Product range
2.5
3.5
Fees & costs
Stock trading
ETF trading
Crypto trading
Currency conversion
Inactivity fee
Withdrawal fee
Custody fee
Deposit fee
Minimum deposit
Available products
Stocks
ETFs
Bonds
Options
Futures
Crypto
CFDs
Forex
Funds
Platform & features
Web platform
Mobile app
Desktop app
API access
Fractional shares
Savings plan
Demo account
Copy trading
Cash interest
Regulation & safety
Primary regulatorDNBDNB
Investor protection
MiFID passported
Availability
Available in English
Languages1 languages1 languages
Countries11
Pros & cons
Pros
  • Non-profit health insurer — no profit motive
  • 3M+ customers with 90+ year track record since 1930
  • 8.0/10 customer service rating
  • Contracts with 45,000+ healthcare providers
  • Waiting list mediation service to reduce wait times
  • Part of Achmea — Netherlands' largest insurance group
  • Comprehensive health insurance with easy claims submission
  • Active fraud prevention — protecting customers from scams
Cons
  • Dutch language only — no English support
  • Netherlands only — not available to expats without Dutch residency
  • Health insurance only — no other financial products
  • Basic Dutch health insurance is mandatory and standardized
  • Dutch-only — no English support for expats
  • Netherlands-only health insurance
  • Less flexible than some smaller competitors
Open accountOpen account

Quick verdict

Best fees

CZ

Safest

Tied

Most products

Tied

Best platform

CZ

Investing involves risk. You could lose some or all of your money. Capmap provides educational information only, not financial advice. Always verify fees and features on each platform's website before opening an account.

CZ vs Zilveren Kruis | Capmap