Last updated: by the Sweepbase Editorial Team
A crypto neobank card with a German IBAN and full banking features. Trade Republic Card transforms Germany's leading investment platform into everyday spending power with a free Visa debit card earning 4% APY on account balances plus optional 1% Saveback cashback. Supporting 54 cryptocurrencies alongside stocks and ETFs, Trade Republic offers exceptionally low 0.7% crypto-to-fiat conversion costs—among Europe's cheapest alongside WhiteBIT and Holyheld. With zero foreign exchange fees, €1,500 daily ATM withdrawals, German IBAN bank account in your name, and seamless Apple Pay/Google Pay integration, Trade Republic bridges investment and payments. However, users cannot deposit external crypto—you must buy through Trade Republic's platform first—and Saveback requires €50 monthly additional investment. Perfect for German and European investors seeking all-in-one investment and payment solution with exceptional conversion rates, though limited to platform-purchased crypto restricts wallet flexibility.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
| 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 |
The Trade Republic Card allows you to top up and spend using various cryptocurrencies. Your crypto is automatically converted to local fiat at the point of sale.
Supported assets: EUR deposits; must buy crypto on platform (cannot deposit from external wallets)
The Trade Republic Card is best suited for everyday crypto holders looking for a simple, convenient way to spend digital assets without managing wallets manually.
With Saveback: 1% on eligible purchases if depositing additional €50/month cashback on eligible purchases, the Trade Republic Card rewards active spenders who use the card as their daily driver.
The card is currently available in Germany and EU primarily — ideal for residents and frequent travellers in those areas.
Compare the Trade Republic Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Getting started with the Trade Republic Card is straightforward. Follow the four steps below to apply, verify your identity, and start spending your crypto.
Visit the official Trade Republic website or download their mobile app. Register with your email address, set a strong password, and accept the terms of service. Sign-up is free.
Submit a government-issued photo ID (passport or national ID card) along with a live selfie for identity verification. Trade Republic processes applications in line with AML and KYC regulations.
Once verified, top up your card balance using EUR deposits; must buy crypto on platform (cannot deposit from external wallets) via the platform's funding interface. Your crypto is automatically converted to the local fiat currency at the prevailing rate when you spend.
Your physical Trade Republic Card will be shipped to your registered address and typically arrives within 5–10 business days. Activate it directly through the Trade Republic app.
Available in Germany and EU primarily
The Trade Republic Card is currently available in Germany and EU primarily. Regional restrictions may apply — visit the official issuer website to confirm availability in your country before applying.
