TRADE REPUBLIC CARD Banking on your terms
CARD FEATURE OVERVIEW.
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | 1% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | NOT DISCLOSED |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €5 |
| CASHBACK | UP TO 2% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | UNLIMITED |
| DAILY LIMIT | NOT DISCLOSED |
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €50 |
| CASHBACK | 2% |
| NEED KYC | YES |
| FX FEE | 0% |
| APR / YIELD | YES |
| CARD TYPE | VIRTUAL AND PHYSICAL CARD |
| CARD NETWORK | |
| BLOCKCHAIN | |
| REGION | |
| WALLET TYPE | CUSTODIAL |
| MOBILE PAY | YES |
| BANK TRANSFER | YES |
| ATM LIMIT | UNLIMITED |
| DAILY LIMIT | NOT DISCLOSED |
- Trade Republic is one of the few crypto card providers with a full EU banking licence. Your cash is protected up to €100,000 under the German statutory deposit guarantee.
- Both 1% Standard Saveback and 2% Crypto Saveback require you to invest at least €50/month into a Trade Republic Savings Plan. Without active savings plan contributions, you get no Saveback at all. Saveback caps at €1,500/month card spend (€15 max standard, €30 max crypto).
Saveback activation: Requires investing €50/month into a savings plan. Without this, the card earns zero cashback.
Daily spending limits are NOT published on the official site. you only discover them in-app after account opening.
- Unlimited ATM withdrawals worldwide with no fees. Withdrawals below 100 € have a 1 € fee. It might be that some ATM providers charge a fee. they have no influence on this.
THE REAL STORY ON THIS CARD.
- Fully regulated German bank. deposits protected up to €100,000
- 2.25% p.a. interest on cash
- Zero foreign transaction fees
- 1% Saveback (auto-invested, requires €50/mo savings plan)
- No monthly card fees
- Unlimited ATM withdrawals above €100
- 50+ crypto wallet with staking
- Apple Pay and Google Pay supported
- Saveback requires mandatory €50/mo savings plan investment
- €1 ATM fee below €100
- 1% fee on credit card/digital wallet deposits
- Crypto payments trigger capital gains tax
- German IBAN only
- Daily spending limits not disclosed
- Not available to US residents
GENERAL QUESTIONS.
The Trade Republic card is a Visa Debit Card. You have the choice between a virtual card (free), Classic Card (5 € one-time payment) and Mirror Card (50 € one-time payment). The one-time payment for the Classic and Mirror Cards is deducted when you order your card for the first time. It is only required to be paid again when you request a renewal or replacement of your card. There is no monthly subscription fee.
Trade Republic Bank GmbH is a full German bank. We are supervised by the BaFin (Federal Financial Supervisory Authority) and offer you the usual reliability and security of a German full bank. The money you pay in is held in one or, in principle, equally divided between two omnibus trust accounts with banks that are also authorized to conduct deposit business. These are currently Deutsche Bank AG, J.P. Morgan SE, HSBC Continental Europe S.A and Citibank Europe plc. For higher balances your funds are further diversified in liquidity funds, as detailed below "How is my money protected".
Your funds are distributed among one or, in principle, equally divided between two partner banks, such as Deutsche Bank or J.P. Morgan SE where Trade Republic maintains omnibus trust accounts. For higher balances your funds are further diversified into liquidity funds. The funds on each escrow account are protected with up to 100,000 € per customer respectively.
All relevant information on deposit protection of each partner bank can be seen in the App. Customer funds held in liquidity funds are directly held on a segregated custody account. Liquidity funds allocations follow the same strict safeguarding rules that are in place for stocks and your funds. This means that your assets are segregated from corporate assets. For liquidity funds, deposit guarantee schemes do not apply.
With Trade Republic, you can invest, spend and bank. Start investing with just 1 € in worldwide stocks & ETFs, corporate and government bonds, crypto and derivatives or make saving a habit by setting up a recurring Savings Plan. Earn 2 % p.a. on unlimited cash. Get your subscription free card to spend and earn 1 % Saveback.
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