Binance Card vs Trade Republic Card
Crypto native
Crypto enabled
Verdict
- At least one of the two cards does not have enough published data for an overall score.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Binance Card is a good fit for
- No specific audience can be derived from the published data yet.
Trade Republic Card is a good fit for
- Frequent travellers
Score by criterion
| Criterion | Binance Card | Trade Republic Card |
|---|---|---|
| Fees | – | 100 |
| Cashback & rewards | 22 | 24 |
| Availability | – | – |
| FX & international | – | 100 |
| Product features | – | 100 |
| Custody & security | – | – |
| Credit & financing | – | – |
| Limits & ATM | – | 90 |
| Transparency | – | 79 |
| Best for Cashback | 3.6 | 5.3 |
| Best for Travel | n/a | 8.5 |
| Best for High Spenders | n/a | 6.2 |
| Best for Low Fees | n/a | 9.5 |
| Best for Beginners | n/a | 7.6 |
| Best E-Money Card | n/a | 9.2 |
Product
Product status
ActiveShow source
Product status: Active
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card type
Debit cardShow source
Card type: Debit card
Source states (paraphrased): The Trade Republic card is a Visa Debit Card.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Network
VisaShow source
Network: Visa
Source states (paraphrased): The Trade Republic card is a Visa Debit Card.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Card issuer / program manager
Trade Republic Bank GmbHShow source
Card issuer / program manager: Trade Republic Bank GmbH
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Tiers / plans
Virtual · Classic · MirrorShow source
Tiers / plans: Virtual · Classic · Mirror
Source states (paraphrased): You have the choice between a virtual card (free), Classic Card (5 € delivery fee) and Mirror Card (50 € delivery fee).
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Fees
Monthly fee
FreeShow source
Monthly fee: Free
Source states (paraphrased): There is no monthly subscription fee.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Physical card fee
€5*Show source
Physical card fee: €5
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €
Virtual card fee
FreeShow source
Virtual card fee: Free
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Replacement fee
€25Show source
Replacement fee: €25
Source states (paraphrased): If you need to replace your card, a fee of €25 applies.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
FX fee
0%*Show source
FX fee: 0%
Visa exchange rate without a Trade Republic currency exchange fee
Source states (paraphrased): We do not add any currency exchange fees.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Visa exchange rate without a Trade Republic currency exchange fee
ATM fee
€1*Show source
ATM fee: €1
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
Source states (paraphrased): Withdrawals below 100 € have a 1 € fee.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee
Cashback & rewards
Base cashback
1%*Show source
Base cashback: 1%
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
Source states (paraphrased): Get 1 % back on up to 1,500 € monthly eligible card spending.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
Max cashback
8%*Show source
Max cashback: 8%
Up to; depends on BNB holdings (0.1%–8%)
Source states (paraphrased): Cashback of 0.1% to 8% for every purchase.
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Up to; depends on BNB holdings (0.1%–8%)
2%*Show source
Max cashback: 2%
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Source states (paraphrased): Get 2 % back on up to 1,500 € monthly eligible card spending if you use crypto.
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Cashback paid in
BNBShow source
Cashback paid in: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Cashback type
Fiat*Show source
Cashback type: Fiat
Paid by Trade Republic directly into your savings plan (invested)
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Paid by Trade Republic directly into your savings plan (invested)
Cashback-eligible spend cap
€1,500/monthShow source
Cashback-eligible spend cap: €1,500/month
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cashback conditions
Activate Saveback in the app · Invest at least 50 € per month in savings plans · Saveback is invested into your savings planShow source
Cashback conditions: Activate Saveback in the app · Invest at least 50 € per month in savings plans · Saveback is invested into your savings plan
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Staking / holding required for top rewards
Yes*Show source
Staking / holding required for top rewards: Yes
Rate depends on BNB holdings
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Rate depends on BNB holdings
Staking asset
BNBShow source
Staking asset: BNB
Source: An Overview of the Binance Card
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 35%
Features
Physical card
YesShow source
Physical card: Yes
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Virtual card
YesShow source
Virtual card: Yes
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
ATM withdrawals
Yes*Show source
ATM withdrawals: Yes
Classic and Mirror cards
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Classic and Mirror cards
Security & custody
Deposit protection
Yes*Show source
Deposit protection: Yes
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Source: The Trade Republic Card
Official product page (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Annual cost at 1,500 EUR/month
Binance Card
- Annual & monthly feesunknown
- FX costsunknown
- Crypto conversion–
- ATM costsunknown
- Cashbackunknown
- Net annual valuenot enough data
Trade Republic Card
- Annual & monthly fees+0 EUR
- FX costs+0 EUR
- Crypto conversion–
- ATM costs−12 EUR
- Cashback+180 EUR
- Net annual value168 EUR
Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers