01
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debit Card•
Trade Republic Card
by Trade Republic Bank GmbH
The Trade Republic Card is a Visa debit card that integrates spending with investing. It offers 1% Saveback on cash spending and 2% Saveback on crypto spending, with rewards automatically invested into a Savings Plan. The card is subscription-free and provides free worldwide ATM withdrawals over €100.
TRADE REPUBLIC CARD
Trade Republic Bank GmbH
Cashback
Up to 2%
Annual Fee
Free
FX Fee
None
Staking
None
2%
Max Cashback
Paid in EUR (invested into Savings Plan)
$0
Annual Fee
2
Premium Perks
Available Regions
Unique Features
- Automatic investment of card rewards (Saveback)
- Interest earned on uninvested cash
- Seamless integration of crypto and cash spending
- Mirror card finish
Pros
- No monthly subscription fees
- 1% Saveback on standard spend / 2% on crypto spend
- 2% interest p.a. on unlimited cash balance
- No FX fees on foreign currency spending
- Free ATM withdrawals worldwide (above €100)
- Choice of Virtual (Free), Classic (€5), or Mirror (€50) card
- Metal card with mirror finish
- IBAN number
Cons
- Saveback requires an active €50/month savings plan
- Saveback rewards are capped (max €15-€30 monthly)
- €1 fee for ATM withdrawals under €100
- Issuance fees apply for physical cards
Integrations & Tech
IBAN Support
iOS App
Android App
Debit Mode
Credit Mode
IBAN: Full bank account with IBAN provided (Trade Republic Bank GmbH).
AvailableExcludedUnknown
Available In (27)
AustriaBelgiumBulgariaCroatiaCyprusCzech Republic
Virtual Card
Available
Instant digital issuance.
Physical Card
Available
MaterialPlastic
IssuanceFree
ShippingFree
ReplacementFree
Tier Comparison
Virtual
1% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
Free
FX Fee
Visa rate
ATM Fee
€1 below €100
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance FeeFree
Shipping FeeFree
Replacement FeeFree
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)€1 (< €100); free ≥ €100
ATM Fee (Intl)€1 (< €100); free ≥ €100
Free Withdrawal Limit$100/per withdrawal
Detailed Fee Structure
FX Fee0%
ATM Fee€1.00 (Free for withdrawals >€100. €1 fee for <€100)
per
Free for withdrawals >€100. €1 fee for <€100
Fee Details
No monthly subscription fees. One-time issuance: Virtual €0, Classic €5, Mirror €50 (Fee Information July 2025). No Trade Republic FX markup — Visa rate only. ATM: €1 per withdrawal under €100 (or local equivalent); free from €100, worldwide (support 1666).
Limits & Conditions
ATM withdrawals are unlimited. Withdrawals >€100/transaction are free; withdrawals <€100 cost €1.
Crypto Capabilities
Security & Custody
Custody ModelCustodial
Wallet TypeExchange Account
InfrastructureBitGo Europe GmbH
Supported Assets
Chains
Ethereum
Solana
Polygon
Bitcoin
Tokens
Yield on Collateral
On-chain History
Governance Rights
Credit Scoring
Lifestyle Benefits
Round UpRound up card payments to the nearest Euro and invest the spare change into a chosen asset.
Pay with CryptoSpend directly from crypto balance and earn 2% Saveback.
Rewards Program Details1% Saveback on payments made with cash balance; 2% Saveback on payments made with the 'Pay with Crypto' feature. Rewards are calculated on a maximum eligible monthly spend of €1,500. This results in a maximum monthly reward of €15 (if spending cash) or €30 (if spending crypto). To qualify, the user must have an active Savings Plan of at least €50 per month.
Payout Frequency
Monthly
Exclusions
Money transfers, gambling, financial services, funding other accounts, and cash-like transactions.
