Earn while you spend

Spending with benefits

Activate 2 % interest. Earn interest from partner banks and dividends from liquidity funds.

Earn 1% Saveback on card spending into your savings plan.

Round up card payments and invest spare change on the go.

Saveback, Round up and Interest help grow your money but are investments which bear risks.

Banking on your terms

No monthly card subscription fee. Get your free virtual card or choose between the Classic and Mirror card.

Unlimited ATM withdrawals worldwide from 100 € with no fees from us.

Market leading FX rates and no hidden fee to spend abroad.

State of the art security features. Spending limits. Real time notifications. Freeze your card any time.

FAQ

What cards do you offer?

The Trading Republic card is a Visa Debit Card. You have the choice between a virtual card (free), Classic Card (5 € one-time payment) and Mirror Card (50 € one-time payment). The one-time payment for the Classic and Mirror Cards is deducted when you order your card for the first time. It is only required to be paid again when you request a renewal or replacement of your card. There is no monthly subscription fee.

What are the benefits of the card?

The Trading Republic Cards are subscription free and offer the 1 % Saveback and Round up benefits. With the Classic and Mirror Cards, there are unlimited free ATM withdrawals worldwide, above 100 €. You can use your card online, in stores and for contactless payments around the world where Visa is accepted. For non-euro transactions, we don’t apply additional bank exchange rates fees. Your Trading Republic Card is linked to your account, earning 2 % p.a. interest on your unlimited cash. With it, send money to anyone, safely and instantly, pay bills and receive your salary, no fees.

Are you a bank?

Trading Republic Bank GmbH is a full German bank. We are supervised by the BaFin (Federal Financial Supervisory Authority) and offer you the usual reliability and security of a German full bank. The money you pay in is held in one or, in principle, equally divided between two omnibus trust accounts with banks that are also authorized to conduct deposit business. These are currently Deutsche Bank AG, J.P. Morgan SE, HSBC Continental Europe S.A and Citibank Europe plc. For higher balances your funds are further diversified in liquidity funds, as detailed below “How is my money protected”.

How is my money protected?

Your funds are distributed among one or, in principle, equally divided between two partner banks, such as Deutsche Bank or J.P. Morgan SE where Trade Republic maintains omnibus trust accounts. For higher balances your funds are further diversified into liquidity funds. The funds on each escrow account are protected with up to 100,000 € per customer respectively.

All relevant information on deposit protection of each partner bank can be seen in the App. Customer funds held in liquidity funds are directly held on a segregated custody account. Liquidity funds allocations follow the same strict safeguarding rules that are in place for stocks and your funds. This means that your assets are segregated from corporate assets. For liquidity funds, deposit guarantee schemes do not apply.

What products do you offer?

With Trading Republic, you can invest, spend and bank. Start investing with just 1 € in worldwide stocks & ETFs, corporate and government bonds, crypto and derivatives or make saving a habit by setting up a recurring Savings Plan. Earn 2 % p.a. on unlimited cash. Get your subscription free card to spend and earn 1 % Saveback.

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Investing carries risk. The value of your investment may fall or rise and losses of the capital invested may occur. Past performance is no guarantee of future results.

© Trading Republic Bank 2026
Brunnenstraße 19-21, 10119 Berlin

Discover our Product

Interest

We are passing on the interest rates from central banks directly to the customer. Monthly paid out, uncapped. Full flexibility to withdraw anytime.

Once activated in your app, you receive interest from our partner banks and dividends from liquidity funds. Interest rates may change and liquidity funds bear a market risk.

Current Account

We charge no fees for our current account. Instantly send money, pay bills, or receive your salary. Your cash is held with escrow banks and larger balances are diversified into liquidity funds.

Your Cash in money market funds is held in a separate custody account. These assets are strictly safeguarded and held segregated from Trade Republic’s own assets. They are protected without limit.

Saveback

Get 1% back on up to 1,500 € monthly eligible card spending. Paid by us, directly into your Savings Plan.

Activate Saveback in your app and invest at least 50 € monthly in savings plans. Keep in mind, investments bear risks, even with Savings Plans.

Round up

Round up card payments to the next full euro and invest on the go into an asset of your choice.

Investments bear market risks, even if you just invest cents.

All investments carry an element of risk. More information on the risks here. Transactions not included in Saveback can be found here.

Discover our Products

Interest

We are passing on the interest rates from central banks directly to the customer. Monthly paid out, uncapped. Full flexibility to withdraw anytime.

Once activated in your app, you receive interest from our partner banks and dividends from liquidity funds. Interest rates may change and liquidity funds bear a market risk.

Current Account

We charge no fees for our current account. Instantly send money, pay bills, or receive your salary. Your cash is held with escrow banks and diversified into liquidity funds.

Your cash in money market funds is held in a separate custody account. Assets are strictly safeguarded and protected without limit.

Spending Abroad

You benefit directly from leading Visa exchange rates when spending abroad. We do not add currency exchange fees.

Always pay in local currency when asked, otherwise merchants may charge additional exchange fees.

ATM Withdrawals

Enjoy unlimited ATM withdrawals worldwide with no fees from us. Withdrawals below 100 € have a 1 € fee.

Some ATM providers may charge their own fee. We have no influence on this.

Saveback

Get 1% back on up to 1,500 € monthly eligible card spending. Paid directly into your Savings Plan.

Activate Saveback and invest at least 50 € monthly. Investments bear risks.

Crypto Saveback

Get 2% back on eligible spending when using crypto. Paid into your Savings Plan.

Crypto-funded payments may have tax implications and can lead to losses.

Round Up

Round up card payments to the next full euro and invest automatically.

Even small investments carry market risks.

Stocks & ETFs

Invest in brands or diversify with ETFs starting from just 1 €.

Single stocks are riskier than ETFs, but all investments carry market risks.

Savings Plans

Choose your asset, amount, and investment frequency. No settlement fee.

Recurring investments are automated and carry market risks.

Derivatives

Trade derivatives from premium partners to leverage or hedge investments.

High profits and losses can occur quickly. Counterparty risk applies.

Private Markets

Invest in hidden champions from just €1. Potential for higher returns and diversification.

Long-term investments with limited tradability. Total loss is possible.

Fixed Income

Invest in corporate and government bonds starting from 1 €.

Prices and currency rates may fluctuate. Counterparty risk applies.

Crypto Wallet

Trade and transfer around 50 cryptos or earn staking rewards.

Crypto is highly volatile and carries significant risk.

Fractional Trading

Buy fractions of assets from just 1 €.

Only whole assets provide voting rights and transferability.

Child Savings Account

Set up fully online and benefit from tax advantages.

At 18, your child gains full control. Investments carry risks.

All investments carry an element of risk. More information on the risks here. Transactions not included in Saveback can be found here.

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Earn while you spend

Spending with benefits

Banking on your terms

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