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.
Get the cardAvailability and tax in the United Kingdom
In the United Kingdom the Trade Republic Card works wherever its card network is accepted, settling in pounds. Converting or spending crypto is a disposal for Capital Gains Tax purposes above the annual allowance.
- Regulator
- FCA
- Currency
- Pound sterling (£)
- Crypto tax
- Disposals are subject to UK Capital Gains Tax above the annual exempt amount; spending crypto counts as a disposal.
General tax information (UK) — not personalised tax advice.
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