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Trade Republic

Invest, spend and bank - All in one place

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Community summary

Trade Republic is a European fintech company and fully licensed German bank offering a comprehensive platform for investing in stocks, ETFs, cryptocurrencies, bonds, private markets and derivatives, combined with banking and savings features. The company is regulated by BaFin and the Bundesbank and serves millions of customers across 18 European countries.

Broker specification

Markets, costs, accounts and operations

Source-attributed product facts checked 2026-08-01. Terms can vary by legal entity, account type and client jurisdiction; verify the linked official documents before opening an account.

Stocks & ETFsMulti-AssetCrypto access
Minimum deposit
€0 (no minimum, can start with €1)
Spread from
Variable spreads (average 0.13% with LS Exchange)
Commission from
€0 commission (€1 settlement fee applies)
Maximum leverage
Not source-confirmed

Markets & instruments

Asset classes
Stocks · ETFs · Crypto · Bonds
Execution model
Agency · Not independently confirmed
Client types
retail

Platforms & accounts

Platforms
iOS mobile app · Android mobile app · Web platform
Account types
Savings Account · Investment Account · Child Savings Account · Savings Plan
Base currencies
EUR

Funding

Deposit methods
SEPA bank transfer · Credit/debit card · Apple Pay · Google Pay
Withdrawal methods
SEPA bank transfer · Free ATM withdrawals (over €100) · Card-linked withdrawals

Support

Channels
Live chat (in-app) · Phone call · Email
Languages
German · English · French · Spanish · Italian · Dutch · Polish · Portuguese
Hours
24/7 via live chat and phone

Account capabilities

Demo account
Islamic account
Copy trading
Negative balance protection

Key features

  • Zero commission on savings plans
  • 1% Saveback rewards on card spending
  • Round-up investing feature
  • Interest on cash balances
  • €1 minimum investment amount
  • Automated portfolio construction
  • Crypto wallet with staking rewards
  • Fixed income investments
  • Private market investments (via Apollo and EQT partnership)
  • Free debit card with unlimited ATM withdrawals

Fees and trading costs

No trading commissions for stocks and ETFs. €1 flat settlement fee per trade for LS Exchange. €2 fee for Direct Price orders. No monthly card fee. Withdrawals under €100 cost €1. No hidden fees.

Investor protection

Deposit protection up to €100,000 per partner bank under German deposit guarantee scheme. Securities held in segregated custody. Regulated under MiFID II with asset segregation rules.

Public evidence

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External review snapshots

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Trustpilot

Checked 2026-08-01

3.6
35,699 reviews
Recurring positives: User-friendly and intuitive app interface with excellent UX design · Low trading fees - flat €1 per transaction with no hidden charges · Fast and convenient deposit and withdrawal processes · Excellent savings features including Saveback rewards, Round-up investing, and interest on cash · Accessible entry point for beginners with €1 minimum investment
Recurring concerns: Limited customer support responsiveness with concerns about slow reply times · Restricted to specific European countries which limits geographic availability · Technical issues and occasional platform reliability problems · Limited trading features compared to advanced platforms · Concerns about aggressive marketing practices and regulatory scrutiny
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Formal record

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