Oobit vs Trade Republic Card
Crypto native
Crypto enabled
Verdict
- Oobit scores higher overall (7.0 vs 6.8 out of 10).
- Oobit is clearly stronger on: Cashback & rewards, Transparency.
- Trade Republic Card is clearly stronger on: Fees, Limits & ATM.
- A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.
Oobit is a good fit for
- People who want to keep control of their keys
- Stablecoin holders
Stronger on: Cashback & rewards, Transparency
Trade Republic Card is a good fit for
- Frequent travellers
Stronger on: Fees, Limits & ATM
Score by criterion
| Criterion | Oobit | Trade Republic Card |
|---|---|---|
| Fees | 71 | 100 |
| Cashback & rewards | 40 | 24 |
| Availability | 100 | – |
| FX & international | – | 100 |
| Product features | 100 | 100 |
| Custody & security | 95 | – |
| Credit & financing | 30 | – |
| Limits & ATM | 50 | 90 |
| Transparency | 93 | 79 |
| Best for Cashback | 6.0 | 5.3 |
| Best for Travel | 6.4 | 8.5 |
| Best for Self-Custody | 7.9 | n/a |
| Best for DeFi Users | 6.9 | n/a |
| Best for Stablecoins | 6.9 | n/a |
| Best for High Spenders | 5.2 | 6.2 |
| Best for Low Fees | 6.6 | 9.5 |
| Best for Beginners | 8.6 | 7.6 |
| Best E-Money Card | n/a | 9.2 |
Product
Product status
ActiveShow source
Product status: Active
Source: Oobit Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%
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: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
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%
Custody model
Self-custody*Show source
Custody model: Self-custody
Crypto stays in your wallet until the moment you pay
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Crypto stays in your wallet until the moment you pay
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
Annual fee
Free*Show source
Annual fee: Free
No fee for the card itself
Source states (paraphrased): there's no fee for the card itself
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
No fee for the card itself
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%
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
Crypto conversion fee
0.95%*Show source
Crypto conversion fee: 0.95%
Swaps; 3% when swapping into OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%
Swaps; 3% when swapping into OOB
ATM fee
2.5% (min. $0.25)*Show source
ATM fee: 2.5% (min. $0.25)
Plus ATM operator fees
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Initial research (official source, awaiting agent verification) · retrieved 22 October 2026 · confidence 60%
Plus ATM operator fees
€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
Settlement fee
1% (min. $0.25)*Show source
Settlement fee: 1% (min. $0.25)
Per card payment (Brazil: 1%, no minimum)
Source states (paraphrased): 1% per payment, with a minimum of $0.25.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Per card payment (Brazil: 1%, no minimum)
Other fees & markups
1% fee on purchasesShow source
Other fees & markups: 1% fee on purchases
Source states (paraphrased): Purchases have a 1% fee.
Source: Crypto Card UAE
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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
10%*Show source
Max cashback: 10%
Up to
Source: Oobit Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 75%
Up to
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 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
$200/month*Show source
Cashback-eligible spend cap: $200/month
When paying with tokens other than OOB; $10,000/month when paying with OOB
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
When paying with tokens other than OOB; $10,000/month when paying with OOB
€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
Higher cashback cap ($5,000 spend / max $500 cashback per month) requires paying with the OOB token · Cashback granted only after the payment is fully completed (1-3 days)Show source
Cashback conditions: Higher cashback cap ($5,000 spend / max $500 cashback per month) requires paying with the OOB token · Cashback granted only after the payment is fully completed (1-3 days)
Source states (paraphrased): you can earn cashback on payments up to $5,000 per calendar month , for a maximum of $500 cashback
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
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
NoShow source
Staking / holding required for top rewards: No
Source states (paraphrased): Other crypto cards often come with staking requirements or volatile token rewards. Oobit doesn't.
Source: Crypto Card UAE
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 70%
Credit & financing
Credit line
No*Show source
Credit line: No
Classified as credit card only for network acceptance; spends own crypto
Source states (paraphrased): Oobit does not offer a credit line, loans, or interest.
Source: Oobit Crypto Card
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 90%
Classified as credit card only for network acceptance; spends own crypto
Spend own balance directly
YesShow source
Spend own balance directly: Yes
Source states (paraphrased): You only spend the crypto you own
Source: Crypto Card UAE
Official product page (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Availability
Available in
AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New Zealand*Show source
Available in: AL, AD, Austria, Belgium, BA, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia, Finland, France, GE, Germany, GI, Greece, GG, Iceland, Ireland, Italy, Latvia, Liechtenstein, Lithuania, Luxembourg, Malta, MD, MC, ME, Netherlands, MK, Norway, Poland, Portugal, Romania, RS, Slovakia, Slovenia, Spain, Sweden, Switzerland, United Kingdom, KZ, KG, Malaysia, Philippines, Saudi Arabia, South Korea, TW, Thailand, United Arab Emirates, Vietnam, BS, CR, DO, SV, GL, GT, Mexico, PA, PR, United States, Argentina, Brazil, Chile, Colombia, EC, PY, Peru, UY, South Africa, TZ, Australia, New Zealand
Country list as given on the page (74 countries listed, page claims 80+)
Source states (paraphrased): Oobit is available in 80+ countries across six continents, and we add new markets regularly.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Country list as given on the page (74 countries listed, page claims 80+)
Account / spend currencies
USD*Show source
Account / spend currencies: USD
Base currency; other currencies converted automatically, rate shown on receipt
Source states (paraphrased): Oobit uses USD as its base currency.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
Base currency; other currencies converted automatically, rate shown on receipt
Features
Apple Pay
Yes*Show source
Apple Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
After verification
Google Pay
Yes*Show source
Google Pay: Yes
After verification
Source: Crypto Card in South Korea
Official product page (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
After verification
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 states (paraphrased): Simply use your Oobit virtual card
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
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
YesShow source
ATM withdrawals: Yes
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%
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
Spend stablecoins
YesShow source
Spend stablecoins: Yes
Source states (paraphrased): Oobit supports USDC, USDT, BNB, USDR, EURR
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Spendable assets
USDC · USDT · BNB · USDR · EURR · BTC · DOGE · ETH · SOL · TRX · XRP · XTZ · TON · VET · XAUT · LTC · XLM · TRUMP · ADA · BCH · SHIBShow source
Spendable assets: USDC · USDT · BNB · USDR · EURR · BTC · DOGE · ETH · SOL · TRX · XRP · XTZ · TON · VET · XAUT · LTC · XLM · TRUMP · ADA · BCH · SHIB
Source states (paraphrased): Oobit supports USDC, USDT, BNB, USDR, EURR, BTC, DOGE, ETH, SOL, TRX, XRP, XTZ, TON, VET, XAUT, LTC, XLM, TRUMP, ADA, BCH, and SHIB for payments and transfers.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
Blockchains
Ethereum · BNB Smart Chain · Solana · Polygon*Show source
Blockchains: Ethereum · BNB Smart Chain · Solana · Polygon
DePay payments from external wallets
Source states (paraphrased): You can pay today using assets on Ethereum (ERC-20) , on BNB Smart Chain, Solana , and Polygon
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 80%
DePay payments from external wallets
Limits
Spending limit
$10,000*Show source
Spending limit: $10,000
Per day; maximum limit
Source states (paraphrased): Daily limit: Up to 10,000 USD per day
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 85%
Per day; maximum limit
Security & custody
Regulation / licences
US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)Show source
Regulation / licences: US: crypto services via Bakkt Financial Solutions I, LLC (FinCEN MSB, state money transmitter licences)
Source states (paraphrased): US Cryptocurrency services are provided in partnership with Bakkt Financial Solutions I, LLC.
Source: Oobit FAQ
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 23 October 2026 · verified today (Fresh) · confidence 75%
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
Oobit
- Annual & monthly fees+0 EUR
- FX costsunknown
- Crypto conversion–
- Per-transaction fees−180 EUR
- ATM costs−30 EUR
- 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