01
05
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
Issuance$5
ShippingFree
Replacement$NaN
Tier Comparison
Virtual
1% CashbackStake Required
Free
Issuance Fee
Free
Replacement Fee
$NaN
FX Fee
Visa rate
ATM Fee
€1 below €100
Fee Structure
Annual FeeFree
Monthly FeeNone
FX FeeNone
Issuance Fee$5
Shipping FeeFree
Replacement Fee$NaN
Inactivity FeeNone
Crypto ConversionFree
Credit CheckNot Required
Top-Up FeeFree
ATM Capabilities
ATM Fee (Domestic)N/A
ATM Fee (Intl)N/A
Free Withdrawal Limit$100/per withdrawal
Fee After Limit1%
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 fees apply: €0 for Virtual, €5 for Classic, €50 for Mirror. No foreign exchange (FX) fees on spending. ATM withdrawals are free worldwide for amounts above €100; withdrawals below €100 incur a €1 fee.
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.
