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Trade Republic Card vs XPlace Card

Trade Republic Card

Crypto enabled

6.9
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XPlace Card

Crypto native

6.6
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Verdict

  • Trade Republic Card scores higher overall (6.9 vs 6.6 out of 10).
  • XPlace Card is clearly stronger on: Cashback & rewards, Credit & financing.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Trade Republic Card is a good fit for

  • Frequent travellers

XPlace Card is a good fit for

  • People who want to keep control of their keys
  • Stablecoin holders
  • Users who need credit rather than a debit/prepaid card

Stronger on: Cashback & rewards, Credit & financing

★ Our pickEditorial choice · score unchanged · Affiliate link

Neither card is our pick. The card we recommend instead:

ether.fi Cash

Crypto native · ether.fi

8.1

Why we recommend it

  • 3% cashback in ETHFI on up to $2,000 of spend a monthConditions apply
  • 5.35% variable interest on your balanceConditions apply
  • No annual or monthly fee on the base tierConditions apply
  • Extras on the base tier: airport lounge access, travel / rental car insurance, purchase protectionConditions apply
  • Self-custody: funds stay in your own walletConditions apply
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Review & sourcesTrade Republic Card vs ether.fi CashXPlace Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionTrade Republic CardXPlace Card
Fees100100
Cashback & rewards2436
Availability57–
FX & international100–
Product features7070
Custody & security7580
Credit & financing3075
Limits & ATM90–
Transparency100100
Best for Cashback5.45.6
Best for Travel8.4n/a
Best for Self-Custodyn/a7.3
Best for DeFi Usersn/a7.2
Best for Stablecoinsn/a7.1
Best for High Spenders6.05.8
Best for Low Fees9.98.0
Best for Beginners7.67.7
Best Crypto Credit Cardn/a7.6
Best E-Money Card9.0n/a

Conditions apply, e.g. only for the base tier, up to a monthly cap or in some countries. Tap a value with * (or hover over it) to see them.

Product

Product status

ActiveShow source
ActiveConditions apply: tap or hover for detailsShow source

Silver physical cards live; Gold and Platinum physical cards coming soon

Card type

Debit cardShow source
Debit card, Crypto-backed creditShow source

Network

VisaShow source
VisaShow source

Custody model

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Self-custodyShow source

Card issuer / program manager

Trade Republic Bank GmbHShow source
Third National; programme managed by Signify Holdings, Inc. (Rain)Show source

Tiers / plans

Virtual · Classic · MirrorShow source
Basic (free) · Silver ($99/year) · Gold ($249/year) · Platinum ($999/year)Show source

Fees

Annual fee

No data yet
FreeConditions apply: tap or hover for detailsShow source

Basic plan; Silver $99, Gold $249, Platinum $999 a year

Monthly fee

FreeShow source
No data yet

Physical card fee

€5Conditions apply: tap or hover for detailsShow source

Classic card, one-time delivery fee (again on renewal or replacement); Mirror card 50 €

No data yet

Virtual card fee

FreeShow source
No data yet

FX fee

0%Conditions apply: tap or hover for detailsShow source

Visa exchange rate without a Trade Republic currency exchange fee

No data yet

ATM fee

€1Conditions apply: tap or hover for detailsShow source

Only for withdrawals below 100 €; from 100 € free with the Classic and Mirror cards; ATM operators may charge their own fee

No data yet

Cashback & rewards

Base cashback

1%Conditions apply: tap or hover for detailsShow source

Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan

0.5%Conditions apply: tap or hover for detailsShow source

Basic plan, Credit Mode

Max cashback

2%Conditions apply: tap or hover for detailsShow source

Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale

2%Conditions apply: tap or hover for detailsShow source

Platinum plan ($999/year), Credit Mode

Cashback paid in

Invested into a savings plan asset of your choiceShow source
USDCShow source

Cashback type

FiatConditions apply: tap or hover for detailsShow source

Paid by Trade Republic directly into your savings plan (invested)

StablecoinShow source

Interest on balance

No data yet
6.15%Conditions apply: tap or hover for detailsShow source

Variable vault APY via Kamino Finance (Solana vault; USDT 3.26%, BTC 5.43%)

Cashback-eligible spend cap

€1,500/monthShow source
No data yet

Max cashback per month

€15/monthShow source
No data yet

Cashback conditions

Saveback must be activated · Invest at least 50 EUR per calendar month in weekly, bi-weekly or monthly savings plans (quarterly plans don't qualify) · First activation requires setting up a 50 EUR savings plan for the next monthShow source
Rates apply to Credit Mode: Basic 0.5%, Silver 1%, Gold 1.5%, Platinum 2%Show source

Reward expiry / vesting

Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous monthShow source
No data yet

Credit & financing

Credit line

NoConditions apply: tap or hover for detailsShow source

debit card

YesShow source

Credit type

No data yet
Crypto-backed creditShow source

Collateral assets

No data yet
BTC · ETH · SOL · JitoSOL · USDT · Tokenized stocksShow source

Max loan-to-value

No data yet
80%Conditions apply: tap or hover for detailsShow source

Tether vault; SOL and BTC 65%, ETH 70%

Liquidation risk

No data yet
YesShow source

Spend own balance directly

No data yet
YesShow source

Spend by borrowing against collateral

No data yet
YesShow source

Availability

Available in

Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, SlovakiaConditions apply: tap or hover for detailsShow source

Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin

No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

personal IBAN for deposits

No data yet

Features

Apple Pay

YesShow source
YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesConditions apply: tap or hover for detailsShow source

Silver plan; Gold and Platinum coming soon

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesConditions apply: tap or hover for detailsShow source

Classic and Mirror cards

No data yet

Spend stablecoins

No data yet
YesShow source

Airport lounge access

No data yet
NoConditions apply: tap or hover for detailsShow source

Basic plan; Silver 1, Gold 4 visits a year, Platinum unlimited

Spendable assets

No data yet
BTC (cbBTC) · ETH (wETH) · SOL · JitoSOL · USDC · USDT · xStocks (tokenized equities)Show source

Blockchains

No data yet
SolanaShow source

Limits

Spending limit

No data yet
$2,000Conditions apply: tap or hover for detailsShow source

Per month, Basic plan; up to $750,000 on Platinum

Security & custody

Regulation / licences

CRR credit institution · BaFinConditions apply: tap or hover for detailsShow source

supervised by BaFin, BaFin-ID 10150368

No data yet

Deposit protection

YesConditions apply: tap or hover for detailsShow source

Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered

No data yet

Annual cost at 1,500 EUR/month

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

XPlace Card

  • Annual & monthly fees+0 EUR
  • FX costsunknown
  • Crypto conversion–
  • ATM costsunknown
  • Cashback+90 EUR
  • Net annual valuenot enough data

Assumes 300 EUR foreign spend and 100 EUR ATM per month, base tier only. Use your own numbers

More Trade Republic Card comparisons

More XPlace Card comparisons