⭐ Editor's Choice — Top Rated Pick
Trade Republic (Germany & Eurozone)
📍 Available in: Germany, Spain, France, Italy, Netherlands, Portugal, Austria (EU)
★★★★★ 4.9 / 5.0
Holding a full German banking license regulated by BaFin and the Bundesbank, Trade Republic has transformed personal finance across 17 European Union countries (including Germany, France, Spain, Italy, Portugal, Netherlands, and Austria). It passes through the full European Central Bank (ECB) deposit rate on uninvested cash, executes automated ETF Savings Plans (Sparpläne) for €0 commission, and offers a Visa debit card that pays 1% "Saveback" directly into your ETF portfolio and 0% FX fees globally.
Key Facts at a Glance
| Cost / Fee Structure | €0 Monthly Fee • €0 ETF Savings Plans (€1 Single Trades) |
| APR / Rate | Full ECB Deposit Rate on Cash + 1% Card Saveback |
| Coverage / Loan Limit | €1 Minimum ETF Sparplan |
| Credit / Eligibility | €100,000 EU Statutory Deposit Guarantee |
Pros & Cons
✓ Pros
- ✓Unbeatable combination of ECB interest on cash, €0 ETF savings plans, and 1% debit card Saveback
- ✓Full German banking license guarantees statutory deposit protection up to €100,000
- ✓Free worldwide ATM withdrawals (over €100) at the pure Visa exchange rate
✕ Cons
- ✕Customer support relies heavily on in-app help center flows rather than live phone agents
- ✕To unlock the 1% Visa card Saveback, you must maintain an active monthly ETF/stock savings plan of at least €50/month
Key Features
Full ECB Deposit Interest Rate Paid Monthly on Uninvested Euro Cash€0 Commission Automated ETF & Stock Savings Plans (Sparpläne) from €11% Visa Debit Card "Saveback" (up to €1,500/mo spend) Invested into Your ETFUnlimited Free Worldwide ATM Withdrawals Over €100 with 0% FX MarkupAutomatic German Abgeltungssteuer Tax Deduction for German Residents
Compare Trade Republic (Germany & Eurozone) Side-by-Side
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