Trade Republic Card, Review 2026
Updated on 1 June 2026 · Network Visa
Overall rating / 5
Trade Republic Card
Issuer : Trade Republic
Get the cardView full card detailsCompare cardsSee all cards| Summary | Trade Republic Card |
|---|---|
| 💰 Max cashback | 2% Saveback when paying with crypto |
| 🔒 Staking req. | None (€50/month savings plan required) |
| 💳 Annual fees | €0 (€5 one-time for physical card) |
| 🌍 Availability | France, Germany, Spain, Italy and EU |
| Overall rating / 5 | 4/5 |
| Network | Visa |
Rating breakdown
Strengths
- 1% automatic Saveback in ETF or crypto on every purchase
- 2% Saveback when you pay directly with your crypto
- No annual fees (€5 one-time only)
- European IBAN included with SEPA transfers
- No exchange fees within eurozone
- BaFin-regulated platform (Germany), highest regulatory security
- 8% interest on cash reserves (up to a certain threshold)
- Highly-rated and intuitive app
Weaknesses
- Saveback goes into ETFs/stocks/crypto, no direct cash cashback
- Mandatory €50 monthly savings plan to keep Saveback
- Saveback cap: €15/month (cash) or €30/month (crypto payment)
- Not a true native crypto card, it's a brokerage card
- ATM withdrawals limited to €1,500/day
📋 Overview
Trade Republic is Europe's most popular online broker with over 8 million users. Its Visa card includes Saveback: 1% of every payment is automatically invested in the asset of your choice (ETF, stocks, Bitcoin, ETH…).
💰 Cashback & Rewards
Saveback works like this: 1% of every purchase paid with your cash balance is automatically invested in your monthly savings plan. 2% if you pay directly with your cryptocurrencies. Requirement: maintain an active monthly savings plan of at least €50.
💳 Fees & Conditions
The card is free (€5 one-time for the Classic physical card). No exchange fees within the eurozone. Cash deposits generate 8% annual interest (subject to terms). No custody or transaction fees on ETFs.
🔒 Security & Regulation
Trade Republic is regulated by BaFin and holds a full banking license since 2023. Cash funds are protected by the German deposit guarantee fund up to €100,000.
📱 User experience
The Trade Republic app is among the best-rated in the sector (4.7/5 App Store). Clean interface, buy ETFs/crypto in 3 clicks. Compatible with Apple Pay and Google Pay. Instant SEPA included.
Our verdict
out of 5
Trade Republic is not a crypto card in the strict sense, but it's one of the best cards for European investors: every purchase is automatically invested (ETF, stocks, or crypto). If you're already a Trade Republic customer or want passive investing with zero effort, this is a hard-to-beat card in Europe.
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