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COMPANY detail
TRADE REPUBLIC CARD
Banking on your terms
CARD FEATURE OVERVIEW.
TIERS
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This card is part of the best crypto cards for the following groups:
W BONUS
NONE
REG FEE / REQ
FREE
CASHBACK
UP TO 2%
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
GET THE CARD
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
GET THE CARD
W BONUS
NONE
REG FEE / REQ
€50
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
GET THE CARD
VIRTUAL
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | FREE |
| CASHBACK | UP TO 2% |
| 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 |
CLASSIC CARD
| 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 |
MIRROR CARD
| W BONUS | NONE |
|---|---|
| REG FEE / REQ | €50 |
| 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 |
Last Updated: Sep 18, 2026
CASHBACK
Cashback may change, be available for a limited time, have limits, or even be awarded in points or other forms. For precise details, always check the card’s website.
REGIONAL AVAILABILITY
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Available
Restricted
Not Specified
- Both 1% Standard Saveback and 2% Crypto Saveback require at least €50/month in executed Savings Plan investments. Without meeting this requirement, you do not qualify for Saveback. Saveback applies to up to €1,500/month in eligible card spending, meaning a maximum of €15/month in Standard Saveback or €30/month in Crypto Saveback.
Daily and monthly card spending limits are not publicly specified. The applicable limits can be viewed and managed in the Trade Republic app.
ATM withdrawals are available worldwide at Visa ATMs. Trade Republic charges no ATM fee for withdrawals of €100 or more; withdrawals below €100 incur a €1 Trade Republic fee. ATM operators may charge additional fees, which Trade Republic does not control.
THE REAL STORY ON THIS CARD.
PROS
[ STRENGTHS ]
- 2% CRYPTO SAVEback ON ELIGIBLE SPEND
- 1% SAVEback WITH CASH PAYMENTS
- FREE VIRTUAL VISA CARD
- NO MONTHLY CARD FEE
- CLASSIC AND MIRROR PHYSICAL CARDS
- NO BANK FX FEE ON NON-EUR SPEND
- UNLIMITED ATM WITHDRAWALS ABOVE €100
- APPLE PAY AND GOOGLE PAY SUPPORTED
- REAL-TIME CARD CONTROLS AND NOTIFICATIONS
- CRYPTO SPENDING FROM 50+ ASSETS
CONS
[ LIMITATIONS ]
- SAVEback REQUIRES €50 MONTHLY SAVINGS PLANS
- SAVEback CAPPED AT €30 MONTHLY
- PHYSICAL CLASSIC COSTS €5
- PHYSICAL MIRROR COSTS €50
- ATM WITHDRAWALS BELOW €100 COST €1
- ATM OPERATOR FEES MAY STILL APPLY
- CRYPTO SPENDING CREATES A TAXABLE SALE
- SAVEback EXCLUDES SEVERAL TRANSACTION TYPES
- 2% CRYPTO SAVEback REQUIRES CRYPTO-FUNDED SPENDING
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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