The Trade Republic Card earns 1% EUR saveback cashback on a Visa debit card with no annual fee, available in EU/EEA.
Trade Republic is a German neobroker and bank founded in 2015 by Christian Hecker, Thomas Pischke, and Marco Cancellieri, originally in Munich and now headquartered in Berlin. The company received a full banking licence from the European Central Bank in 2023 and offers commission-free brokerage, savings, and current-account products across the EU.
The Trade Republic Card is a crypto debit card offered by Trade Republic, available in EU/EEA. It offers 1% EUR saveback cashback across 2 reward tiers, giving users the ability to earn higher rates as they increase their commitment. The annual fee starts at €0. It runs on the Visa network and requires full identity verification.
New to crypto cards? Read our complete buyer's guide to understand fees, rewards, and how to choose. Concerned about privacy? See our KYC vs non-KYC comparison. Compare more options in our best crypto cards in Europe guide. See where it ranks among the best crypto debit cards.
| Tier | Rate | Requirement |
|---|---|---|
| Cash Saveback | 1% | Fiat-funded purchases; at least EUR 50 a month must go into savings plans (quarterly plans do not count). EUR 15 monthly Saveback cap, reached at EUR 1,500 of spend |
| Crypto Saveback | 2% | Crypto-funded purchases; at least EUR 50 a month must go into savings plans (quarterly plans do not count). EUR 30 monthly Saveback cap |
Scope depends on market: full payment accounts with local IBANs (e.g. Netherlands and Portugal via local branches, and Belgium via a branch issuing BE IBANs since 15 September 2026) support third-party transfers in and out; in Ireland and Luxembourg the IBAN is a clearing-account identifier that cannot initiate payments, and pre-activation accounts accept own-name deposits only. Existing Belgian customers on a German IBAN move to a Belgian IBAN gradually and by choice. Transfer and card limits are user-set in the app.
Compare IBAN and transfer capability across cards in our crypto cards with IBAN guide.
On $500/mo spend, the estimated monthly cost breakdown for Trade Republic Card is: gas $0.00, conversion spread $0.00, flat transaction fees $0.00, and amortised card/tier fee $0.00, for a total drag of 0% of spend. After $5.00/mo cashback that nets a gain of about $5.00/mo ($60.00/yr). Trade Republic Card tops up from a centralized balance, so there is no on-chain gas cost regardless of how often you reload. Figures are conservative estimates and vary with conditions.
Note: 1% saveback on cash purchases (EUR 15/mo cap), 2% on crypto-funded purchases (EUR 30/mo cap). Auto-invested into savings plan (stocks, ETFs, or crypto). Requires EUR 50/mo savings plan to earn saveback. Card variants: Virtual (free), Classic (EUR 5), Mirror (EUR 50). 8M+ card users. German banking license. Crypto wallet launched Nov 2025 enabling direct crypto spend. The 2% Crypto Saveback and its EUR 30 cap come from Trade Republic's own EQS press release for the crypto wallet launch (gettex.de/en/news-overview/newsdetail/eqs-news-trade-republic-expands-its-crypto-offering-with-a-new-wallet-enabling-customers-to-transfer-pay-and-stake-crypto-with-a-regulated-bank/), which gives 2% on purchases up to a monthly spend of EUR 1,500; the support centre's Saveback article covers only the 1% cash Saveback and its EUR 15 cap.
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The Trade Republic Card is a crypto debit card offered by Trade Republic. It is available in EU/EEA and allows users to spend cryptocurrency at merchants worldwide.
The Trade Republic Card offers 1% EUR saveback cashback on everyday spend: Cash Saveback (1%). Higher rates of up to 2% apply only with extra requirements: Crypto Saveback (2%).
The Trade Republic Card has an annual fee of €0. Additional fees: FX fee: 0%; ATM: Free for withdrawals of €100 or more; €1 for each withdrawal below €100.
Yes. The Trade Republic Card requires full identity verification (KYC): expect to submit a government-issued ID, and often proof of address, before the card is issued.
The Trade Republic Card is available in EU/EEA.
The Trade Republic Card is a debit card. You need to load cryptocurrency onto the card before making purchases.
Yes, the Trade Republic Card supports Apple Pay and Google Pay for contactless payments.
The Trade Republic Card is issued by Trade Republic Bank GmbH. Licences: Banking licence (CRR credit institution) (BaFin, EEA).
Yes, the Trade Republic platform provides a personal IBAN in the user's name. Capabilities: receiving third-party transfers: yes; sending transfers to third parties: yes. Scope depends on market: full payment accounts with local IBANs (e.g. Netherlands and Portugal via local branches, and Belgium via a branch issuing BE IBANs since 15 September 2026) support third-party transfers in and out; in Ireland and Luxembourg the IBAN is a clearing-account identifier that cannot initiate payments, and pre-activation accounts accept own-name deposits only. Existing Belgian customers on a German IBAN move to a Belgian IBAN gradually and by choice. Transfer and card limits are user-set in the app.
Customer cash is held either in omnibus trust accounts at partner banks (covered by the respective partner bank's deposit guarantee up to EUR 100,000 per customer, per Trade Republic's support centre) or as deposits with Trade Republic Bank GmbH covered by the German statutory deposit guarantee up to EUR 100,000.
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