Home/All cards/Trade Republic Card
DEBIT · VISANo annual fee

Trade Republic Card

by Trade Republic Bank GmbH · EU

Visa debit card integrating spending with investing. 1% Saveback on cash spending and 2% on crypto spending — rewards automatically invested into your Savings Plan. Subscription-free with free worldwide ATM withdrawals over €100.

Referral link, see our affiliate disclosure
DEBITTrade Republic Card logo
TRADE REPUBLIC CARD
Visa
MAX REWARD
Up to 2%
ANNUAL FEE
Free
FX FEE
0%
KEY FACTS

The card at a glance

CARD TYPE
Debit
Card category
NETWORK
Visa
Where it's accepted
ANNUAL FEE
Free
Cost to hold the card
MAX REWARD
Up to 2%
1% Saveback on cash spending; 2% on crypto spending — auto-invested into Savings Plan
REWARDS IN
Auto-invested via Savings Plan
How rewards are paid
FX FEE
0%
On foreign-currency spend
REGION
EU
Where it's available
STAKING
Not required
Lock-up to earn rewards
REWARDS

Earning Up to 2%

The headline rate is usually the top of a band, not a flat rate on everything. In practice most spending earns the base rate, and the higher figure applies to selected merchants, campaigns or staking tiers.

Reward summary

Up to Up to 2%, 1% saveback on cash spending; 2% on crypto spending — auto-invested into savings plan, paid in Auto-invested via Savings Plan. No staking required for the base rate.

COSTS

Fees you'll actually meet

Annual fee
Cost to hold the card each year
Free
Monthly fee
Recurring account cost
None
FX spread
Applied on foreign-currency spend
0%
ATM withdrawal
Cash withdrawal cost
Free worldwide (withdrawals over €100)
Crypto conversion
When spending crypto directly
Free
Issuance fee
One-off cost to get the card
Free

ℹ️ 1% Saveback on cash spending; 2% on crypto spending — auto-invested into Savings Plan

VERDICT

Strengths and trade-offs

WORKS FOR YOU IF
No subscription or annual fee
2% on crypto spending
Rewards auto-invest
Free worldwide ATM
Apple Pay and Google Pay
LOOK ELSEWHERE IF
!EU only
!Rewards go to Savings Plan not crypto wallet
!Custodial model
STANDOUT FEATURES

What sets it apart

Rewards auto-invested into Savings Plan
2% Saveback on crypto spending
No subscription fee
Free worldwide ATM withdrawals
Apple Pay Google Pay iOS app Android app No staking
ABOUT THIS CARD

Common questions

Where can I use the Trade Republic Card?
+
Does the Trade Republic Card have an annual fee?
+
Do I need to stake anything to earn rewards?
+
How much can I earn with the Trade Republic Card?
+
Does it work with Apple Pay and Google Pay?
+

Figures on this page come from Trade Republic Bank GmbH's published card terms. Rewards, fees and availability change often and vary by region. See our methodology for how we score and verify every card. This is not financial advice.

TRADE REPUBLIC BANK GMBH
Up to 2%
No annual fee · 0% FX
Apply now →
You apply on the issuer's own site. We may earn a referral fee.

Not sure this is the one?

Put it next to two others, or answer a few questions instead.

Compare cards →Find my card