Trade Republic Card Review 2026
Reviewed by Mihail B. in · · how we verify
Algorithmic score, not user reviews: how it is calculated
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Fees and limits
| Issuance fee | Free |
|---|---|
| Annual fee | Free |
| FX fee | 0% foreign exchange fees |
| ATM limit | €1500/day; over €100 withdrawals have €1 fee waived |
| Spending limit | Based on account balance |
Fees change; the current ones are in Trade Republic’s terms.
Features
- Cashback: Up to 2%
The fine print
- Saveback: 1% on card payments funded from cash, 2% when paying with crypto
- Needs a EUR 50/month savings plan
- Capped at EUR 15 (cash) and EUR 30 (crypto) per month
- KYC: Yes
- Card type: Physical
- Top up with: EUR deposits
Full list
Crypto bought on the platform, and since 14 Nov 2025 crypto can be sent to and received from external wallets for around 50 assets (issuer release; one Trade Republic help article still says external transfers are not supported)
- Available countries: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland…
Full list
… Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Who issues the Trade Republic Card
The Trade Republic Card is issued by Trade Republic Bank GmbH, Germany (BaFin, credit institution since 2023) (Full banking licence). The issuer is named in the source linked below. Visa scheme (BIN 475211)
All cards issued by Trade Republic Bank GmbH · Why the issuer matters
Supported cryptocurrencies
The fine print
- … Trade Republic custody
- EUR via SEPA deposit
- One Trade Republic help article still states the opposite, so check the app before sending
Full list
Crypto bought on the platform, and since 14 Nov 2025 crypto can be sent to and received from external wallets for around 50 assets (issuer release; one Trade Republic help article still says external transfers are not supported)
Pros and cons
Pros
- 2.5% p.a. interest on uninvested cash in Germany
The fine print
- 1% Saveback on card payments and 2% Crypto Saveback when paying with crypto, up to a monthly spend of €1,500
- Around 50 cryptos can be sent to and received from external wallets since November 2025
- Shares, ETFs, bonds and crypto in the same app
- Earn up to 2% cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Crypto neobank with IBAN account and regular banking features
- Banking rails: IBAN / SEPA / SWIFT support
Cons
- Crypto stays in Trade Republic custody even after the Nov 2025 external-transfer rollout
The fine print
- How a crypto-funded card payment settles for section 23 EStG is unverified
- Saveback needs a EUR 50 monthly savings plan and is capped at EUR 15 (cash) or EUR 30 (crypto) a month
- Germany/EU focused
- Not a pure crypto card
Regional availability
Available in Germany and EU
The Trade Republic Card is available in Germany and EU: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania and 9 more.
Estimate your annual cost with Trade Republic Card
Plug in how you actually use the card. We'll combine the Trade Republic Card's FX fee, cashback, and annual fee with your spending pattern to estimate your real annual cost.
Estimates only. Spreads on crypto-to-fiat conversion and promotional rates may differ. See the fees table above for exact card terms.
Banking and fiat rails
Card overview
Trade Republic isn't a crypto-native card at all. It's a German neo-broker with a full banking licence, and the card is a regular Visa debit attached to a real German IBAN in your own name. Inside the app you can buy around 50 crypto assets alongside stocks and ETFs, and since 14 November 2025 you can move them to and from external wallets, though the coins stay in Trade Republic custody. FX is 0%, ATM fees are waived above €100 per withdrawal, and uninvested cash earns 2.5% a year in Germany (variable, and other markets differ).
Saveback pays 1% on card payments funded from cash and 2% on payments made with crypto, capped at €15 and €30 a month, and only while you keep a €50/month recurring savings plan running. The reward flows into investment products inside Trade Republic rather than landing as spendable cash, so it stays small next to the marketing tone. Crypto-to-fiat conversion also runs through Trade Republic's internal pricing rather than a published spread.
- Best fit
- German or EU residents who already use Trade Republic and want one app instead of three
Common questions about the Trade Republic Card
We do not collect user reviews. Answers come from the card terms, the issuer disclosure and the regulator registers we could reach, rechecked on the Data verified date above.
