Trade Republic is a modern digital financial platform that integrates investing, saving, and banking into a unified and accessible experience for individuals across Europe. Designed to empower personal wealth creation through low entry thresholds, transparent policies, and competitive returns, the service provides tools for managing cash, building investment portfolios, and making everyday purchases—all without hidden fees or complicated onboarding processes. Backed by regulatory oversight and trusted by millions of users, Trade Republic redefines the relationship between spending and saving through streamlined automation, smart investing, and frictionless banking.
Integrated Banking and Cash Management
- Open a Trade Republic current account with its own IBAN, allowing seamless deposits, payments, and transfers
- Activate 2% annual interest on unlimited cash balance with monthly payouts and full withdrawal flexibility
- No subscription fees or maintenance charges—enjoy transparent banking with zero hidden costs
- Free global ATM withdrawals starting from 100 €, applicable across supported networks
Dynamic Saveback and Micro-Investing Tools
- Earn 1% Saveback on card purchases and direct it into a selected savings plan automatically
- Saveback applies to card spending up to 1,500 € per month, with eligibility triggered by a monthly investment of 50 € or more
- Use the Round-Up feature to invest spare change from everyday purchases into long-term portfolios
- Turn routine spending into incremental savings without manual input
Accessible and Low-Cost Investing
- Buy stocks or ETFs starting from just 1 €, making wealth-building available to beginners and experienced investors alike
- No order commissions or hidden fees—pricing is fully disclosed and user-friendly
- Choose from thousands of financial instruments supported by publicly regulated exchanges
- Invest on-demand or set up automated recurring contributions via savings plans
Long-Term Wealth Building with Bonds
- Access corporate and government bonds with high fixed interest rates and defined maturity structures
- Begin bond investing at only 1 €, with the ability to liquidate positions at any time
- Receive predictable interest payments and diversify your asset allocation
- Use bonds to lock in favorable rates while planning for future expenditures
Advanced Trading Options with Derivatives
- Trade derivatives and structured products with top-tier partners including Citi, HSBC, Société Générale, and UBS
- Use leveraged or hedged positions to enhance portfolio returns or manage market exposure
- Supported by real-time data feeds, secure infrastructure, and clear execution pricing
- Suitable for experienced traders seeking tactical instruments within a regulated environment
Platform Trust and Regulatory Oversight
- Trusted by over 8 million users holding over 100 billion € in assets across 17 European countries
- Operates under regulatory supervision of BaFin and the German Bundesbank
- All transactions executed via publicly regulated exchanges ensuring pricing transparency and market fairness
- Legal and operational safeguards are in place to protect investor assets and uphold compliance standards
Frequently Asked Questions
Q: What is the minimum amount required to invest?
You can start investing with as little as 1 €.
Q: Is the 2% interest applicable to all cash balances?
Yes, it applies to your entire current account balance with no limits.
Q: Are ATM withdrawals globally supported?
Yes, withdrawals are free worldwide for amounts starting from 100 €.
Q: How do I qualify for Saveback rewards?
You must invest at least 50 € per month in savings plans to earn Saveback.
Q: Can I invest in ETFs and stocks with recurring plans?
Yes, savings plans allow automatic investing in selected assets over time.
Q: Are derivatives trading available to all users?
Yes, they are offered via premium partners for eligible account holders.
Q: Is Trade Republic regulated by financial authorities?
Yes, it is supervised by BaFin and the Bundesbank in Germany.
Q: Can bonds be sold before maturity?
Yes, bond positions can be liquidated anytime regardless of term length.
Version History
v4.2529.0 —— 17 Jul 2025
Stability Enhancements—routine bug fixes and backend improvements to ensure optimal app performance
v4.2528.0 —— 5 Jul 2025
Performance Updates—technical refinements focused on app reliability and responsiveness
v4.2527.1 —— 4 Jul 2025
App Maintenance—continued bug fixes and system-level enhancements
