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Trade Republic

Invest, spend and bank.

Visit Trade Republic

Trade Republic is a German full bank and savings platform that combines investing, spending and cash management in one mobile app. It lets users buy stocks, ETFs, crypto and private market assets, earn interest on cash balances, and spend through a debit card with Saveback rewards routed into a Savings Plan.

Core features include recurring Savings Plans on ETFs and stocks, a Crypto Wallet supporting trading, transfers and staking, Fixed Income including US bonds, and Private Markets access. The card comes in virtual, classic and mirror editions, all without a monthly subscription fee, with free ATM withdrawals above a minimum amount. Tax declarations are pre-filled automatically, and support is available 24/7 by phone and live chat.

The service targets individual investors in European markets, requiring users to be at least 18 with a smartphone, a European phone number and a local bank account. There is no free plan or trial; instead, single trades carry a flat fee plus third-party costs and spreads, while Savings Plans carry no brokerage fee. Cards are subscription-free, with one-time payments for the classic and mirror editions.

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