Phantom Cash Card vs Trade Republic Card

Product status: Active

Source: Meet Phantom Cash

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: Debit card, Stablecoin card

Debit card linked to the CASH stablecoin balance of the Phantom Cash account

Source states (paraphrased): Your Phantom debit card is a stablecoin-linked Visa card

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 75%

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): wherever Visa is accepted

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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

Source states (paraphrased): Your Cash account is a self-custodial wallet on Solana that only you control with your wallet credentials.

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

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

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: Stripe

Replacement cards and cards activated after 2026-10-05 are Stripe-issued; cards activated before 2026-10-05 without a replacement are Bridge-issued (disputes via Galileo)

Source states (paraphrased): Stripe-issued cards

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

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

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%

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%

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%

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: 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: None

No purchase cashback; Phantom pays variable Cash Rewards on the balance (rate shown in the app)

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 60%

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: Cash Rewards on CASH balances: variable APY set by Phantom, paid weekly, no lock-up · Rewards pause at $1,500 per tax year until tax details are provided · Cash Rewards not available in the US or US-sanctioned jurisdictions

Cash Rewards is a balance reward funded by Phantom, not purchase cashback; rate shown in the app as APY, paid weekly in CASH, no minimum balance, no lock-ups; rewards pause once total Phantom rewards reach $1,500 in a tax year until US-person status is confirmed or identity verified; not available in the US, where the card is offered

Source states (paraphrased): It isn't available in the US, as well as jurisdictions sanctioned by the US.

Source: Cash Rewards FAQ — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 80%

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

Source: Meet Phantom Cash

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

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

Spends the Cash account balance; the account must be funded before paying

Source states (paraphrased): you can get a virtual Phantom debit card to spend your Cash account balance

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 90%

Available in: United States

Except New York; identity verification required for the card

Source states (paraphrased): If you’re in the US (except New York), you can get a virtual Phantom debit card

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 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

CASH balance is converted to USD when paying; merchant is paid in USD

Source states (paraphrased): converts it to USD, and the merchant is paid like a standard Visa transaction

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (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): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (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): Add it to Apple Wallet or Google Wallet for contactless payments in stores.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

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

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: No

Source states (paraphrased): No. The Phantom debit card is virtual only.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 95%

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: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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: No

ATM withdrawals and cash advances are unsupported merchant categories and are declined

Source states (paraphrased): Some merchant categories aren't supported for regulatory and fraud prevention reasons, including gambling, crypto purchases, gift card reloads, cash advances, and ATM withdrawals.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 90%

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

Spends CASH; USDC, USDT and PYUSD on Solana are swapped into CASH

Source states (paraphrased): When you pay, our partner draws CASH from your Cash account, converts it to USD

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

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

Spendable assets: CASH

Cash account balance (CASH), converted to USD at payment

Source states (paraphrased): our partner draws CASH from your Cash account, converts it to USD

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 25 October 2026 · verified today (Fresh) · confidence 85%

Blockchains: Solana

Source: Meet Phantom Cash

Official product page (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 80%

Spending limit: $2,000

Per day; automatic review for $5,000 after 30 days

Source states (paraphrased): The standard daily transaction limit is $2,000.

Source: Spend Cash with a virtual Phantom debit card (US) — Phantom Help Center

Official help center / FAQ (tier 1)

Extracted from source by research agent · retrieved 22 October 2026 · verified today (Fresh) · confidence 95%

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%