Trade Republic: Broker & Bank

Trade Republic offers a modern financial platform designed to simplify investing, spending, and banking in one seamless experience. Built to provide easy, secure, and accessible financial services, Trade Republic empowers individuals to grow wealth through smart tools and transparent pricing. With millions of users across Europe and billions in managed assets, the platform combines competitive interest, innovative savings features, and diversified investment options into a single account.

Earn 2% Interest on Unlimited Cash

Activate 2% annual interest with a personal Trade Republic IBAN and earn monthly interest on unlimited cash balances. Funds remain fully flexible and can be withdrawn at any time. There are no monthly subscription fees, and users benefit from unlimited free ATM withdrawals worldwide for amounts over 100 €.

1% Saveback on Card Spending

With the free subscription card, spending becomes an opportunity to grow savings. Earn 1% Saveback on eligible card payments, automatically invested into a savings plan. Saveback applies to up to 1,500 € in monthly spending, provided at least 50 € is invested monthly into savings plans. Additionally, card payments can be rounded up, with spare change automatically invested for long-term growth.

Invest from Just 1 €

Trade Republic enables investing in ETFs, stocks, and bonds starting from only 1 €. Savings Plans allow continuous, automated investing to build long-term wealth. Bonds offer the opportunity to lock in attractive interest rates for years while receiving regular payments, with the flexibility to sell at any time.

Diversified Investment Opportunities

Broaden financial horizons with diversified portfolios, including Private Markets and Fixed Income options. These tools help spread risk while exploring various asset classes tailored to different financial goals.

Transparent and Secure Banking

Trade Republic operates as a German bank regulated by BaFin and the Bundesbank, ensuring strong oversight and compliance. The platform provides access to publicly regulated exchanges with competitive spreads compared to reference markets. With no hidden fees and clear pricing structures, financial management remains straightforward and secure.

Trusted by Millions

With over 10 million users and more than 150 billion € in assets across 18 European countries, Trade Republic has established itself as a reliable financial partner. Its mission is to empower individuals with easy, safe, and free access to the financial system, helping create long-term wealth through accessible tools and education.

FAQs

Q1: How does the 2% interest on cash work?

Users receive 2% annual interest on unlimited cash balances held in their Trade Republic account, paid monthly and withdrawable at any time.

Q2: What is Saveback and how can it be earned?

Saveback provides 1% of eligible card spending back into a savings plan, up to 1,500 € monthly, when investing at least 50 € per month.

Q3: Can investments start with small amounts?

Yes. Investments in ETFs, stocks, and bonds can start from just 1 €, making investing accessible to everyone.

Q4: Are there hidden fees or subscription costs?

No. Trade Republic offers transparent pricing with no monthly subscription fees and clear cost structures.

Q5: Is Trade Republic regulated and secure?

Yes. Trade Republic is a German bank regulated by BaFin and the Bundesbank, operating under strict financial supervision.

Version History

v4.2609.0—26 Feb, 2026

We work every day to make the Trade Republic app even better for you.

Download the latest version to take advantage of the latest features. This version includes bug fixes and improvements.

v4.2608.1—26 Feb, 2026

We work every day to make the Trade Republic app even better for you.

Download the latest version to take advantage of the latest features. This version includes bug fixes and improvements.

v4.2607.0—10 Feb, 2026

We work every day to make the Trade Republic app even better for you.

Download the latest version to take advantage of the newest features. This version includes bug fixes and improvements.