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, EUR 15/mo max |
| Crypto Saveback | 2% | Crypto-funded purchases, EUR 30/mo max |
Scope depends on market: full payment accounts with local IBANs (e.g. Netherlands and Portugal via local branches) support third-party transfers in and out; in Belgium, Ireland, and Luxembourg the IBAN is a clearing-account identifier that cannot initiate payments, and pre-activation accounts accept own-name deposits only. 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/FX 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.
Other crypto cards in the same region or category that may suit your spending profile:
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. There are 2 tiers: Cash Saveback (1%), Crypto Saveback (2%).
The Trade Republic Card has an annual fee of €0. Additional fees: FX fee: 0%.
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) support third-party transfers in and out; in Belgium, Ireland, and Luxembourg the IBAN is a clearing-account identifier that cannot initiate payments, and pre-activation accounts accept own-name deposits only. Transfer and card limits are user-set in the app.
Customer cash is held either in omnibus trust accounts at partner banks (covered by those banks' deposit guarantees; the customer bears the trust bank's insolvency risk) or as deposits with Trade Republic Bank GmbH covered by the German statutory deposit guarantee up to EUR 100,000.
Want to see your annual earnings? Use the ROI Calculator to estimate net cashback at your spending level, or compare cards side by side.