Trade Republic Card Review 2026
Reviewed: · against issuer documentation
How this rating is calculated · Algorithmic score, not user reviews
onTrustpilot(33091 reviews)Independently reviewed by Mihail B. · how we verify
Get Trade Republic CardCard Overview
Reading the product page carefully, 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 54 cryptos alongside stocks and ETFs. FX is 0%, ATM fees are waived above €100 per withdrawal, and uninvested EUR earns 4% APY in the clearing account. Saveback pays 1% back into a savings plan on eligible purchases, conditional on a €50/month recurring savings-plan deposit. The cashback flows into investment products inside Trade Republic rather than landing as spendable cash, so the dollar reward stays small relative to the marketing tone. Two structural catches worth noting. You can't top up from external wallets; everything has to be bought inside the app first. And crypto-to-fiat conversion 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.
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 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.
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 below for exact card terms.
Sweepbase verdict: For its 1% cashback rewards and zero upfront and ongoing fees, Trade Republic Card is one of the stronger picks in this space, which is why it appeals most to active spenders looking to earn crypto rewards on everyday purchases. That said, limited geographic availability is worth factoring in before you apply.
This is a Visa crypto card. It offers cashback rewards. Available in Europe.
Fees & 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 |
These figures can change. Confirm the current fees, FX and network in Trade Republic’s official terms before you apply.
Features
- Card Type: Physical
- Top up with: EUR deposits; must buy crypto on platform (cannot deposit from external wallets)
- Available Countries: Austria, Belgium, Bulgaria, Croatia, Czechia, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain, Sweden
Banking & Fiat Rails
Yes — German IBAN issued in user's name; SEPA yes; SWIFT via German banking license
Supported Cryptocurrencies
You can load the Trade Republic Card with several cryptocurrencies. When you pay, the card converts crypto to local fiat automatically.
Networks & deposit details: No direct blockchain top-up — EUR deposits only; external crypto deposits not supported
Supported assets: EUR deposits; must buy crypto on platform (cannot deposit from external wallets)
Who Is the Trade Republic Card Best For?
The Trade Republic Card is a good fit for crypto holders who want a simple way to spend their coins without managing wallets by hand.
The Trade Republic Card pays Saveback: 1% on eligible purchases if depositing additional €50/month cashback on eligible purchases, so it works well as a daily spending card.
The card is currently available in Germany and EU primarily, so it works for residents and travellers in those areas.
Best for
- Frequent spenders who want to earn Saveback: 1% on eligible purchases if depositing additional €50/month cashback
- People who want a straightforward, app-managed crypto card
- European users within EEA countries
- Budget-minded users (no issuance or annual fee)
Avoid if
- You need full non-custodial control of your funds
- You're a US resident (this card doesn't support US users)
- You need traditional bank integration (IBAN, SEPA, direct debits)
- You want a card backed by government deposit insurance (FDIC / FSCS)
Compare the Trade Republic Card side-by-side with alternatives using the full card listing or explore our Visa crypto cards category.
Pros & Cons
Pros
- 0% FX fees; 4% interest on account balance; 0.7% crypto-to-fiat conversion (lowest tier); 54 crypto + stocks/ETFs investment options
- Earn Saveback: 1% on eligible purchases if depositing additional €50/month cashback on eligible purchases
- No card issuance fee
- No annual maintenance fee
- Works wherever Visa is accepted worldwide
- Crypto neobank with IBAN account and regular banking features
Cons
- Cannot deposit external crypto (must buy on platform); 1% cashback requires €50 monthly investment; Germany/EU focused; not pure crypto card
- Custodial: the issuer holds your funds
- Only available in certain regions
- Requires KYC identity verification
- Full KYC required, no anonymous tier
How to Get the Trade Republic Card
Here is what the sign-up process looks like, from application to first purchase.
Create a Trade Republic account
~5 minutesGo to the Trade Republic website or download the app. Sign up with your email, pick a password, and accept the terms. It's free.
Complete KYC verification
1–3 business daysUpload a government-issued photo ID (passport or national ID) and take a selfie. Trade Republic verifies your identity under standard AML/KYC rules.
Fund your card
Usually instantOnce verified, load your card with EUR deposits; must buy crypto on platform (cannot deposit from external wallets) through the funding screen. When you make a purchase, your crypto converts to local fiat at the current rate.
Receive and activate your card
5–10 business daysYour physical Trade Republic Card ships to your address and usually arrives in 5 to 10 business days. Activate it in the Trade Republic app.
Requirements
Regional Availability
Available in Germany and EU primarily
The Trade Republic Card is currently available in Germany and EU primarily. Some countries may be excluded, so confirm on the issuer's website before applying.
Frequently Asked Questions
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