Trade Republic Card
Visa debit card for the Trade Republic current account. 1% Saveback (2% when paying with crypto) is invested into your savings plan on up to €1,500 of eligible card spend a month; no monthly fee and no FX surcharge from Trade Republic.
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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Max cashback
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%
Base 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%
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%
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%
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%
Credit line
No*Show source
Credit line: No
debit card
Source states (paraphrased): issue of a debit card.
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
Staking needed
Tap a value for its source. * = conditions apply.
At a glance
Pros
- No annual or monthly fee on the base tier
- No FX markup from the issuer
- 1% base cashback in Invested into a savings plan asset of your choice
- Apple Pay and Google Pay
Cons
- Top rate of 2% only with conditions — Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale
Good for
- Frequent travellers
Not for
- Users who insist on self-custody
Risks to understand
- Custodial: your crypto is held by the provider — counterparty and insolvency risk.
All details
Fees5/15
- 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
- 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
Not yet researched: Annual fee, Replacement fee, Crypto conversion fee, Top-up fee, Crypto withdrawal fee, Free ATM allowance, Transfer fee, Settlement fee, Small transaction fee, Other fees & markups.
Cashback & rewards8/14
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%
Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan
- Max cashback
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
Invested into a savings plan asset of your choiceShow source
Cashback paid in: Invested into a savings plan asset of your choice
Source states (paraphrased): invested into the savings plan of your choice
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%
- Max cashback per month
€15/monthShow source
Max cashback per month: €15/month
Source states (paraphrased): You can earn a maximum of 15 EUR through Saveback each calendar month
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
- 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
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 month
Source states (paraphrased): you must invest at least 50 EUR in savings plans per calendar month (through weekly, bi-weekly or monthly savings plans). Quarterly savings plans don't qualify.
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
- 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
Reward expiry / vesting: Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous month
Source states (paraphrased): provided you have fulfilled the requirements mentioned above during the previous month, else the reward expires
Source: What is Saveback?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 90%
Not yet researched: Interest on balance, Staking / holding required for top rewards, Staking asset, Capital required for top rewards, Minimum balance, Reward exclusions.
Credit & financing1/11
- Credit line
No*Show source
Credit line: No
debit card
Source states (paraphrased): issue of a debit card.
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
debit card
Not yet researched: Credit type, Collateral assets, Max loan-to-value, Interest (APR), Interest notes, Grace period, Repayment, Liquidation risk, Spend own balance directly, Spend by borrowing against collateral.
Supported countries & currencies2/4
- Available in
Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakia*Show source
Available in: Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakia
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
Source states (paraphrased): Trade Republic is available in Germany, Austria, France
Source: Why do I have to be a permanent resident to open an account?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 80%
Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin
- Own IBAN / bank details
Yes*Show source
Own IBAN / bank details: Yes
personal IBAN for deposits
Source states (paraphrased): The Customer can deposit funds into their account using the personal International Bank Account Number
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
personal IBAN for deposits
Not yet researched: Not available in, Account / spend currencies.
Features, wallets & supported assets5/11
- Apple Pay
YesShow source
Apple Pay: Yes
Source states (paraphrased): The payment limits when using Apple/Google Pay will be subject to the daily and weekly spending limits of your card
Source: Are there any payment limits when I use Apple Pay or GooglePay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- Google Pay
YesShow source
Google Pay: Yes
Source states (paraphrased): The payment limits when using Apple/Google Pay will be subject to the daily and weekly spending limits of your card
Source: Are there any payment limits when I use Apple Pay or GooglePay?
Official help center / FAQ (tier 1)
Extracted from source by research agent · retrieved 24 October 2026 · verified today (Fresh) · confidence 85%
- 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
Not yet researched: Spend stablecoins, Airport lounge access, Travel / rental car insurance, Purchase protection, Spendable assets, Blockchains.
Security & custody2/3
- Regulation / licences
CRR credit institution · BaFin*Show source
Regulation / licences: CRR credit institution · BaFin
supervised by BaFin, BaFin-ID 10150368
Source states (paraphrased): Trade Republic is licensed as a CRR credit institution.
Source: https://assets.traderepublic.com/assets/files/CA_FI-en.pdf
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
supervised by BaFin, BaFin-ID 10150368
- 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)
Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%
Cash in omnibus trust accounts at partner banks, protected up to 100,000 € per customer; securities are not covered
Not yet researched: Smart-contract risk.
Limits0/2
No limits data published or researched yet.
Product6/7
- 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%
- Custody model
Custodial*Show source
Custody model: Custodial
The provider holds the funds
Source states (paraphrased): Owner research: custodial
Source: The Trade Republic Card
Official product page (tier 1)
Checked by editor · retrieved 24 October 2026 · verified today (Fresh) · confidence 95%
The provider holds the funds
- 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%
Not yet researched: Launch date.
Our rating
| Criterion | Weight | Score |
|---|---|---|
Fees Base-tier subscription ≈ €0/year | 20% | 100 |
Cashback & rewards | 20% | 24 |
Availability 17 of 60 tracked countries | 15% | 57 |
FX & international FX fee 0% | 10% | 100 |
Product features 5 of 5 known features available · 0 of 3 perks (lounge, travel insurance, purchase protection) | 10% | 70 |
Custody & security Custody model: custodial · Regulated / protected (+15) | 10% | 75 |
Credit & financing No credit line | 5% | 30 |
Limits & ATM ATM cost on €200 ≈ 0.5% | 5% | 90 |
Transparency 7 of 7 checked key terms disclosed · 3 contradiction(s) between official sources | 5% | 79 |
Data coverage 100%. Criteria without published data are excluded and their weight is filled with a neutral midpoint, so missing data neither helps nor hurts a card. This score is provisional: it is based on initial research that our research agent has not yet re-verified.
Computed by a fixed formula; affiliate relationships have no influence. How we score
FAQ
Does Trade Republic Card have an annual or monthly fee?
Base tier: Free. Source: The Trade Republic Card.
What is the FX fee of Trade Republic Card?
0% (Visa exchange rate without a Trade Republic currency exchange fee). Source: The Trade Republic Card.
How much cashback does Trade Republic Card pay?
Base rate: 1% (Saveback on up to 1,500 € of eligible card spend per month, paid into your savings plan). Highest advertised rate: 2% (Crypto Saveback when paying with crypto; same 1,500 € monthly cap; crypto-funded payments count as a sale). Paid in Invested into a savings plan asset of your choice.
Is Trade Republic Card a credit card?
No. It is a debit card; you spend your own balance.
Where is Trade Republic Card available?
Germany, Austria, France, Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakia (Trade Republic account; permanent residents only; France including French Guiana, Guadeloupe, Martinique, Mayotte, Réunion and Saint-Martin).
Is Trade Republic Card self-custodial?
Custodial (The provider holds the funds).
Does Trade Republic Card work with Apple Pay and Google Pay?
Apple Pay: Yes. Google Pay: Yes.
Change history30 entries
- Regulation / licences not disclosed → ["CRR credit institution","BaFin"] · 24 October 2026 · approved
- Credit line not disclosed → false · 24 October 2026 · approved
- Own IBAN / bank details not disclosed → true · 24 October 2026 · approved
- Custody model not disclosed → "custodial" · 24 October 2026 · approved
- Reward expiry / vesting not disclosed → "Invested on the 2nd of the following month; expires if the savings-plan requirements were not met in the previous month" · 24 October 2026 · approved
- Cashback conditions ["Activate Saveback in the app","Invest at least 50 € per month in savings plans","Saveback is invested into your savings plan"] → ["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 month"] · 24 October 2026 · approved
- Cashback paid in not disclosed → "Invested into a savings plan asset of your choice" · 24 October 2026 · approved
- Max cashback per month not disclosed → {"amount":15,"currency":"EUR"} · 24 October 2026 · approved
- Google Pay not disclosed → true · 24 October 2026 · approved
- Apple Pay not disclosed → true · 24 October 2026 · approved
- Available in not disclosed → ["DE","AT","FR","ES","IT","NL","BE","LU","FI","IE","GR","PT","EE","LV","LT","SI","SK"] · 24 October 2026 · approved
- Virtual card recorded · 22 October 2026 · auto-approved
- Physical card recorded · 22 October 2026 · auto-approved
- Base cashback recorded · 22 October 2026 · auto-approved
- Max cashback recorded · 22 October 2026 · auto-approved
- Product status recorded · 22 October 2026 · auto-approved
- Cashback type recorded · 22 October 2026 · auto-approved
- Cashback conditions recorded · 22 October 2026 · auto-approved
- Deposit protection recorded · 22 October 2026 · auto-approved
- Cashback-eligible spend cap recorded · 22 October 2026 · auto-approved
- Card type recorded · 22 October 2026 · auto-approved
- Network recorded · 22 October 2026 · auto-approved
- Card issuer / program manager recorded · 22 October 2026 · auto-approved
- Tiers / plans recorded · 22 October 2026 · auto-approved
- Monthly fee recorded · 22 October 2026 · auto-approved