Trade Republic

All products at a glance

BaFin-regulated Berlin

Analysis of service data
and customer reviews

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Trade Republic products at a glance

Trade Republic Depot

depot

Free custody account with €1 orders

0€ Depotführung

€1 per order More than 5,000 savings plans Crypto tradable

Trade Republic Sparplan

depot

Free ETF and share savings plans

0€

Completely free From €1 per instalment Automatic execution

Trade Republic Zinsen

tagesgeld

2% interest on balances up to €50,000

0€

2% p.a. Up to €50,000 Available daily

Trade Republic Karte

kreditkarte

Visa card with 1% Saveback

0€

1% Saveback into ETFs Usable worldwide Apple/Google Pay

Trade Republic Krypto

sonstige

More than 50 cryptocurrencies tradable

1€ pro Order

Bitcoin, Ethereum & more 24/7 trading In a regulated environment

kosten.org editorial team

Last updated: 2026-02-01

Trade Republic has taken the German financial market by storm and, in record time, developed from a pure neobroker into a full "financial super app" for more than 4 million customers. In our review, we examine whether the combination of extremely cheap orders, high interest and the innovative Saveback card really is the best overall package for private investors in Germany at present.

Table of contents

1 FREE vs. PRIME+ – which plan suits you?

Trade Republic relies on a radically simple pricing model: €0 custody account fee and just a €1 third-party cost flat fee per trade. Savings plans are even completely free. That makes TR one of the cheapest providers on the market.

2 Interest on balances

Trade Republic currently offers 2% p.a. interest on uninvested balances (up to €50,000). Interest is credited monthly, making TR a genuine alternative to instant-access savings.

3 The Trade Republic card

The Visa debit card offers free payments worldwide. Particularly attractive is the 1% Saveback programme, in which 1% of the amount of every card payment is automatically invested in an ETF savings plan.

Conclusion

Trade Republic is the ideal choice for anyone who wants to build wealth over the long term. The combination of low fees, high interest and the Saveback system is currently unbeaten.

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