Trade Republic Card

Trade Republic · Visa · debit · Self-custody

11 countriesVerified 6 Sep 2026

At $1,000/month spend with no stake, Trade Republic Card nets +$240 a year. According to Cardefi data, 8 of 9 key figures are verified from the issuer's pages, latest 6 Sep 2026.

Open at Trade Republicdirect — pays us nothing

Cashback at your stake: 2.0%
Min. stake for rewards: None
Annual fee: $0
FX fee: 0.0%
Net value / yr: +$240
Break-even: $0

Recalculate for a stake ofSpendchanges every number on this page

Cashback and net value by stake

Stake	Tier	Cashback	Net value / yr
$0 you Pay with crypto	Pay with crypto	2.0%	+$240

How this card scores

Same arithmetic as every card in the catalogue, with this card's numbers in:

Cashback at your stake	2.0% × $12,000	+$240
Yearly fees	annual $0 + 12 × $0	−$0
FX on 25.0% of spend	0.0% × $3,000	−$0
Locked stake, 5.0% opportunity cost	$0 × 5.0%	−$0
Net value per year		+$240

Fees in full

Every figure below carries the issuer's own words. Tap a source count to read them. A dash means we looked and the issuer does not say. How these fees compare across every card.

Annual fee	€0 / year 1 source “No monthly card subscription fee.”[2] · landing · captured 6 Sep 2026
Monthly fee	€0 / month 2 sources “Monthly Card Fee”[5] · fees_page · captured 6 Sep 2026 “No monthly card subscription fee.”[2] · landing · captured 6 Sep 2026
Card issuance	€0Virtual card free; Classic plastic EUR 5 one-time, Mirror EUR 50 one-time 1 source “You have the choice between a virtual card (free), Classic Card (5 € one-time payment) and Mirror Card (50 € one-time payment).”[2] · landing · captured 6 Sep 2026
Foreign transaction (FX)	0.0%Visa exchange rate, no markup 1 source “For non-euro transactions, we directly apply the exchange rate provided by Visa. We do not charge additional fees for currency exchange.”[6] · help_center · captured 6 Sep 2026
Crypto conversion / spread	0.0%No extra fee for crypto-funded payments; paying with crypto counts as a sale and the trading spread applies 1 source “No extra fees for crypto-funded payments”[3] · landing · captured 6 Sep 2026
ATM withdrawal	0.0%Free for withdrawals of EUR 100 or more; EUR 1 fee below EUR 100 1 source “Trade Republic doesn’t charge fees for transactions and ATM withdrawals above 100 EUR. A fee of 1 EUR will be charged by Trade Republic for each ATM withdrawal below 100 EUR or local currency equivalent.”[7] · help_center · captured 6 Sep 2026
ATM fixed fee	€1 / txOnly for withdrawals below EUR 100 1 source “Withdrawals <100 €, 1,00 € fee”[5] · fees_page · captured 6 Sep 2026

Reward tiers, as the issuer states them

Tier	Requirement · rate · cap
Pay from cash balance	1.0% · None · Cap: €15 / month of rewards · Paid in Savings plan (stocks, ETFs or crypto) 2 sources “You get 1% Saveback of your eligible card payments invested into the savings plan of your choice when you spend from your cash balance and 2% when you pay with crypto.”[8] · help_center · captured 6 Sep 2026 “You can earn a maximum of 30 € through Saveback each calendar month”[8] · help_center · captured 6 Sep 2026
Pay with crypto	2.0% · None · Cap: €30 / month of rewards · Paid in Savings plan (stocks, ETFs or crypto) 3 sources “when you use crypto for card payments. Up to 1,500 € in monthly spending.”[3] · landing · captured 6 Sep 2026 “customers can pay with their crypto and receive 2% Crypto Saveback on eligible transactions.”[9] · legal · captured 6 Sep 2026 “You can earn a maximum of 30 € through Saveback each calendar month”[8] · help_center · captured 6 Sep 2026

Tier

Requirement · rate · cap

Pay from cash balance

1.0% · None · Cap: €15 / month of rewards · Paid in Savings plan (stocks, ETFs or crypto)

2 sources

“You get 1% Saveback of your eligible card payments invested into the savings plan of your choice when you spend from your cash balance and 2% when you pay with crypto.”[8] · help_center · captured 6 Sep 2026

“You can earn a maximum of 30 € through Saveback each calendar month”[8] · help_center · captured 6 Sep 2026

Pay with crypto

2.0% · None · Cap: €30 / month of rewards · Paid in Savings plan (stocks, ETFs or crypto)

3 sources

“when you use crypto for card payments. Up to 1,500 € in monthly spending.”[3] · landing · captured 6 Sep 2026

“customers can pay with their crypto and receive 2% Crypto Saveback on eligible transactions.”[9] · legal · captured 6 Sep 2026

“You can earn a maximum of 30 € through Saveback each calendar month”[8] · help_center · captured 6 Sep 2026

No rewards on: P2P payments and account top-ups (Curve, PayPal, MangoPay), ATM and counter cash withdrawals, Gambling, wire transfers and money orders, Account funding transactions, Cash-like transactions including crypto orders, Securities and investment transactions.

Limits

Spend per month

— not disclosedCrypto Saveback counts spend up to EUR 1,500 per month

What we could not find

These figures matter for the score, and the issuer's public pages do not state them. Where we looked is listed under Sources.

Spend per month. Crypto Saveback counts spend up to EUR 1,500 per month

Sources

9 pages captured and stored with a checksum. Quotes above are matched against these snapshots by script.

support.traderepublic.com/en-de/1482-In-which-countries-is-crypto-available · help_center · 6 Sep 2026
traderepublic.com/en-de/card · landing · 6 Sep 2026
traderepublic.com/en-de/crypto · landing · 6 Sep 2026
portal.mvp.bafin.de/database/InstInfo/institutDetails.do?cmd=loadInstitutAction&institutId=150368 · legal · 6 Sep 2026
traderepublic.com/en-de/pricing · fees_page · 6 Sep 2026
support.traderepublic.com/en-de/1656-How-does-foreign-currency-exchange-work · help_center · 6 Sep 2026
support.traderepublic.com/en-de/1666-What-are-the-withdrawal-limits-and-fees · help_center · 6 Sep 2026
support.traderepublic.com/en-de/3050-What-is-Saveback · help_center · 6 Sep 2026
assets.traderepublic.com/assets/files/251114_TradeRepublic_Crypto_PressRelease_PT_EN_2.pdf · legal · 6 Sep 2026

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Access & funding

Regions: 11 countries
KYC: full
Top-up: SEPA, Card and digital wallet deposits, Crypto transfer from external wallet
Fiat: EUR
Assets: EUR, Crypto (about 50 coins)
Form: virtual + physical
Wallets: Apple Pay, Google Pay

Risks to know

Self-custody. You hold the keys; losing them loses the balance.

Who is behind the card

Brand / programme: Trade Republic Bank GmbH
Infrastructure: BitGo Europe GmbH
Issuer of record: Trade Republic Bank GmbH (DE)
Licence: BaFin · 10150368
Network: Visa
Custody: Self-custody · emi safeguarding

4 sources

“The Trade Republic card is a Visa Debit Card.”[2] · landing · captured 6 Sep 2026

“Trade Republic Bank GmbH is a full German bank.”[2] · landing · captured 6 Sep 2026

“Your cryptos are securely held in custody by Trade Republic Bank GmbH. The majority are stored in cold storage with our crypto custody partner, BitGo Europe GmbH”[3] · landing · captured 6 Sep 2026

“CRR-Kreditinstitut, Kreditinstitut, Kryptowertedienstleister, SSM-Institut”[4] · legal · captured 6 Sep 2026

Status

Now: Live

“Earn 2 % Crypto Saveback”traderepublic.com · captured 6 Sep 2026

Where you can get it

EU (crypto markets): 11 countries: DE, IT, ES, FR, AT, IE, PT, SK, SI, LT, LV

1 source

“Crypto trading is currently available to Trade Republic customers in Germany, Italy, Spain, France, Austria, Ireland, Portugal, Slovakia, Slovenia, Lithuania and Latvia.”support.traderepublic.com · help_center · captured 6 Sep 2026

Availability and terms by country ↓

Trust

Verified: 6 Sep 2026
Coverage: 8 of 9 key figures verified, 1 not disclosed
Confidence: A official source plus an independent one
Disclosure: help center
Source: traderepublic.com
Link: direct — pays us nothing

Report a wrong figure · Formula v1.2

Availability and terms by country

One row per country with a Cardefi hub, read from the issuer's own country lists. 11 countries are listed as available in total.

Country	Status	Issuer / licence
Germany	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Spain	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Ireland	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Portugal	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Austria	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Latvia	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH
Slovakia	Availablechecked 6 Sep 2026	Trade Republic Bank GmbH

Questions about this card

Answers are generated from the verified fields on this page. A question is only shown when the figure behind it has a source.

What does Trade Republic Card charge on foreign currency?: Trade Republic Card adds 0.0% on transactions in a currency other than the account currency.
Does Trade Republic Card charge an annual fee?: The annual fee for Trade Republic Card is $0.
How much cashback does Trade Republic Card pay?: Trade Republic Card pays up to 2.0%, which is the highest rate any of its tiers reaches.
Does Trade Republic Card work with Apple Pay or Google Pay?: Trade Republic Card works with Apple Pay and Google Pay.
What does Trade Republic Card charge at an ATM?: Trade Republic Card charges 0.0% on ATM withdrawals. The ATM operator may add its own fee on top.
Who holds the funds behind Trade Republic Card?: You do. Trade Republic Card pulls funds from your own wallet when a transaction is authorised, so the balance stays in your custody until you spend it.
Does Trade Republic Card require identity verification?: Yes. Trade Republic Card requires full identity verification before the card can be used.