Trade Republic Card

What the Trade Republic Card is

The Trade Republic Card is a Visa Debit card attached to a Trade Republic account, and Trade Republic is the unusual case in this directory of a card issued by a fully licensed bank rather than a fintech programme. Trade Republic Bank GmbH is a German full bank supervised by BaFin, serving more than 10 million customers across 18 European countries with over €150 billion in customer assets. The card is free to hold as a virtual card, with a Classic card costing €5 once and a Mirror card €50 once - no monthly subscription in any case.

Saveback: cashback that becomes an investment

The reward is 1% Saveback on card spending, but it is not paid as cash. It is credited into your savings plan, buying fractional shares or ETF units automatically, which means everyday spending builds a portfolio. That is a genuinely useful mechanic and also the card's biggest caveat: the reward is an investment whose value can fall, and independent reviews report Saveback is capped at €15 a month, equivalent to about €1,500 of eligible spending. Beyond that ceiling, further spending earns nothing.

Fees and cash access

Trade Republic charges no card transaction fees and no additional fees on non-euro payments, so spending abroad is effectively free. ATM withdrawals are unlimited and fee-free worldwide as long as you take out more than €100 at a time - below that threshold each withdrawal costs €1, which is worth knowing if you habitually take out small amounts. Uninvested cash earns interest linked to the ECB deposit facility, advertised at 2.5%, and the rate is variable rather than fixed.

The crypto angle, honestly

This is a fiat spending card from a broker that happens to offer crypto. You can trade and transfer 50 cryptocurrencies in the Trade Republic crypto wallet and earn staking rewards, but the card itself spends the cash account, so crypto has to be sold to cash before it reaches the card. For anyone looking to spend coins directly at the till, the other cards in this directory are the better fit; for a fee-free everyday card that quietly builds an investment portfolio and offers interest on idle cash, this one is hard to beat.

Trade Republic's 1% Saveback is aimed at savers rather than traders, so the closest match is the Bitpanda Card with its flat cashback, and the Swissquote Debit Mastercard for European accounts. See the Best Crypto Cards directory for the full comparison.

Card

• Visa Debit card tied to your Trade Republic cash account.
• Choice of virtual card (free), Classic card (€5 one-time) and Mirror card (€50 one-time).
• No monthly card subscription in any variant.
• Apple Pay and Google Pay support through the Trade Republic app.

Rewards

• 1% Saveback on card spending, paid into your savings plan.
• Round up card payments and invest the spare change.
• Set up savings plans in shares, ETFs, crypto and Private Markets from €1, with no Trade Republic fees on savings plan orders.

Cash and interest

• Interest on uninvested cash, tracked to the ECB deposit facility and advertised at 2.5%.
• Interest accrues daily and is paid monthly.
• No lock-in on cash balances.

Investing

• Stocks, ETFs, bonds, Private Markets through Apollo and EQT, and 50 cryptocurrencies.
• Single trades cost €1 plus third party costs and spreads.
• Child savings accounts available in-app.

Support

• 24/7 phone and live chat support in the app.
• Orders executed against Trade Republic across all relevant exchanges.

What the card spends

The card spends euros from your Trade Republic cash account. There is no crypto-funded spending at the point of sale: to pay a merchant with crypto you would first sell it to cash inside the app. That makes this a conventional bank debit card rather than a crypto card, with the crypto link coming through the platform rather than the payment itself.

Crypto on the platform

Trade Republic's crypto wallet supports trading and transferring 50 cryptocurrencies, and staking rewards are available on selected assets. Crypto sits alongside stocks, ETFs, bonds and Private Markets in the same app, and savings plans can be set up from €1.

Why it still belongs in a crypto card directory

For anyone holding both cash and crypto in one place, the card is the spending edge of that account - it earns 1% Saveback, charges no FX fees and lets you withdraw cash free worldwide above €100. The distinction worth holding on to is that crypto is an investment here, not a payment rail, so the privacy and self-custody trade-offs of crypto-native cards do not apply. Your money sits with a licensed German bank, and deposits are covered up to €100,000 per partner bank.

Card costs

• Virtual card: free
• Classic card: €5 one-time
• Mirror card: €50 one-time
• Monthly card subscription: none
• Card transaction fees: none
• Foreign exchange fees: none - no additional bank fees on non-euro payments

Cash withdrawals

• Free worldwide above €100 per withdrawal
• €1 per withdrawal below €100
• Daily limit €1,500, monthly limit €20,000

Saveback limits

• 1% on eligible card spending, credited to your savings plan
• Independent reviews report a €15 monthly cap, equal to about €1,500 of spending
• Saveback is an investment, so the shares or ETF units bought can lose value

Deposit protection

• Cash held in omnibus trust accounts at partner banks is covered by each bank's deposit guarantee scheme up to €100,000 per customer.
• Balances diversified into money market funds are held in a separate custody account, segregated from Trade Republic's own assets and protected without limit.
• Partner banks include Deutsche Bank, J.P. Morgan SE, HSBC Continental Europe, Citibank Europe, Crédit Agricole CIB, Natixis CIB and SEB.

The trade-offs

Everything about holding and spending the card is free, and the only sharp edge is the €1 charge on withdrawals below €100. The reward, though, is capped and illiquid by design: Saveback arrives as an investment, not spendable cash, so its euro value moves with the market and the maximum benefit in a month is about €15.