Lava Card vs Trade Republic Card

Product status: Active

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 85%

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: Credit card

Secured: spends only the available dollar balance; no unsecured credit

Source states (paraphrased): FAQ (expanded in the browser): "Lava Card is a secured credit card. This means that you spend directly from your dollar balance and can only spend dollars you have available."

Source: Lava Card

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

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: Visa

Source states (paraphrased): Lava Card can be used anywhere Visa is accepted internationally

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 70%

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

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 1 day ago (Fresh) · confidence 95%

Card issuer / program manager: Card program by Rain with a partner issuer

Source states (paraphrased): you are not buying or selling digital assets from either the card Issuer, or Rain

Source: Lava 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 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 · 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%

Annual fee: Free

Source states (paraphrased): No, there is no annual fee for Lava Card.

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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

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%

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%

No spread on Visa's exchange rate

Source states (paraphrased): No, Lava Card does not charge an FX fee or a spread for foreign currency transactions.

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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

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%

Base cashback: 1%

Users based outside the US; 3% for US users; 5% at Lava merchant partners

Source states (paraphrased): FAQ (expanded in the browser): "Users based in the US earn 3% back in bitcoin. Users based outside of the US earn 1% back in bitcoin."

Source: Lava Card

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

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 1 day ago (Fresh) · confidence 90%

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%

Cashback paid in: BTC

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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: Crypto

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 90%

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%

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 1 day ago (Fresh) · confidence 95%

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: 3% back in bitcoin for US-based users, 1% outside the US · 5% at Lava merchant partners · Redeemable from 100,000 sats (0.001 BTC) · No rewards on fines, taxes, insurance, rentals and schools

Source states (paraphrased): FAQ (expanded in the browser): "You can redeem your rewards once you’ve accumulated a rewards balance of at least 100,000 sats (0.001 BTC)."

Source: Lava Card

Official product page (tier 1)

Checked by editor · retrieved 25 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 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 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%

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 1 day ago (Fresh) · confidence 95%

Spend own balance directly: Yes

Source states (paraphrased): FAQ (expanded in the browser): "You can spend with the Lava Card from your available balance."

Source: Lava Card

Official product page (tier 1)

Checked by editor · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

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%

Account / spend currencies: USD

Page says "Spend in Dollars"

Source states (paraphrased): Save in Bitcoin, Spend in Dollars

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 70%

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 1 day ago (Fresh) · confidence 95%

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: 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: 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: 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

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%

Spend stablecoins: Yes

Stablecoin deposits are credited as dollars

Source: Lava Card

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 65%

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 1 day ago (Fresh) · confidence 95%

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 1 day ago (Fresh) · confidence 85%