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Bringin Card vs Trade Republic Card

Bringin Card

Crypto native

7.3
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Trade Republic Card

Crypto enabled

6.9
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Verdict

  • Bringin Card scores higher overall (7.3 vs 6.9 out of 10).
  • Bringin Card is clearly stronger on: Availability.
  • Trade Republic Card is clearly stronger on: Fees, Product features.
  • A full annual cost comparison is not possible yet because some fees are not disclosed or not yet researched.

Bringin Card is a good fit for

  • Frequent travellers

Stronger on: Availability

Trade Republic Card is a good fit for

  • Frequent travellers

Stronger on: Fees, Product features

★ 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 & sourcesBringin Card vs ether.fi CashTrade Republic Card vs ether.fi Cash

Conditions apply; the review lists them with sources.

Score by criterion

CriterionBringin CardTrade Republic Card
Fees80100
Cashback & rewards–24
Availability10057
FX & international100100
Product features5670
Custody & security7075
Credit & financing3030
Limits & ATM–90
Transparency100100
Best for Cashbackn/a5.4
Best for Travel8.08.4
Best for DeFi Users6.3n/a
Best for High Spenders6.36.0
Best for Low Fees8.49.9
Best for Beginners7.77.6
Best E-Money Cardn/a9.0

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
ActiveShow source

Card type

Debit cardShow source
Debit cardShow source

Network

VisaShow source
VisaShow source

Custody model

HybridConditions apply: tap or hover for detailsShow source

Bitcoin stays in the user's own wallet; euros are held in the card's vIBAN

CustodialConditions apply: tap or hover for detailsShow source

The provider holds the funds

Card issuer / program manager

Infrastructure by Lightspark Payments Europe AS (MiCA-authorized CASP)Show source
Trade Republic Bank GmbHShow source

Tiers / plans

No data yet
Virtual · Classic · MirrorShow source

Fees

Annual fee

€37.69/yearConditions apply: tap or hover for detailsShow source

Paid annually (10% discount); otherwise €3.49 a month

No data yet

Monthly fee

€3.49/monthConditions apply: tap or hover for detailsShow source

Monthly payment; €37.69 when paid annually

FreeShow source

Physical card fee

FreeShow source
€5Conditions apply: tap or hover for detailsShow source

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

Virtual card fee

FreeShow source
FreeShow source

FX fee

0%Show source
0%Conditions apply: tap or hover for detailsShow source

Visa exchange rate without a Trade Republic currency exchange fee

Crypto conversion fee

1%Conditions apply: tap or hover for detailsShow source

Bitcoin to euro

No data yet

ATM fee

No data yet
€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

Settlement fee

FreeShow source
No data yet

Cashback & rewards

Base cashback

No data yet
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

Max cashback

No data yet
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

Cashback paid in

No data yet
Invested into a savings plan asset of your choiceShow source

Cashback type

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

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

Cashback-eligible spend cap

No data yet
€1,500/monthShow source

Max cashback per month

No data yet
€15/monthShow source

Cashback conditions

No data yet
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

Reward expiry / vesting

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

Credit & financing

Credit line

NoShow source
NoConditions apply: tap or hover for detailsShow source

debit card

Availability

Available in

EEAConditions apply: tap or hover for detailsShow source

Anyone 18+ with a valid ID from an EEA country

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

Account / spend currencies

EUR · BTCShow source
No data yet

Own IBAN / bank details

YesConditions apply: tap or hover for detailsShow source

Personal euro vIBAN

YesConditions apply: tap or hover for detailsShow source

personal IBAN for deposits

Features

Apple Pay

NoConditions apply: tap or hover for detailsShow source

Only through the Curve app; direct support planned

YesShow source

Google Pay

YesShow source
YesShow source

Physical card

YesShow source
YesShow source

Virtual card

YesShow source
YesShow source

ATM withdrawals

YesShow source
YesConditions apply: tap or hover for detailsShow source

Classic and Mirror cards

Spendable assets

BTC (on-chain and Lightning) · EURShow source
No data yet

Limits

ATM limit

€350Conditions apply: tap or hover for detailsShow source

Per day; €3,000 a month

No data yet

Spending limit

€10,000Conditions apply: tap or hover for detailsShow source

Per day, standard KYC level; €15,000 a month

No data yet

Security & custody

Regulation / licences

No data yet
CRR credit institution · BaFinConditions apply: tap or hover for detailsShow source

supervised by BaFin, BaFin-ID 10150368

Deposit protection

No data yet
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

Annual cost at 1,500 EUR/month

Bringin Card

  • Annual & monthly fees−80 EUR
  • FX costs+0 EUR
  • Crypto conversion–
  • Per-transaction fees+0 EUR
  • 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

More Bringin Card comparisons

More Trade Republic Card comparisons