Trade Republic Card
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 a free virtual card and free worldwide ATM withdrawals from €100.
Is the Trade Republic Card worth it?
The Trade Republic Card is a debit card on Visa, paying up to 2% back on spend, with no annual fee. Whether it suits you comes down to the trade-offs below.
GOOD FIT IF
- you want up to 2% back on everyday spending
- you don't want to stake or lock up a token to earn the rate
- you want a card with no annual fee
THINK TWICE IF
- you want to hold your own keys — this card is custodial
How we rate the Trade Republic Card
- Cost25%5.0 / 5
No monthly fee and a free virtual card (a physical card is €5 one-off), no FX markup, and ATM withdrawals free from €100 — €1 below that.
- Conditions25%4.5 / 5
Saveback needs a savings plan of at least €50 a month, and the rate is capped at €15 a month from cash spending or €30 when paying with crypto.
- Rewards25%3.0 / 5
1% of card spending invested into your savings plan, or 2% when paying with crypto — about €15 a month at typical spending, paid as investments rather than cash.
- Reliability25%4.5 / 5
A licensed German bank with the conditions and caps documented plainly in its own support pages.
Four criteria, each worth 25%, scored by us against the issuer's published terms — the total above is their average, not a separate judgement. Scored September 16, 2026. Read the full scoring model. No issuer can pay to change a score.
The card at a glance
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.
Up to 2%, paid in Auto-invested via Savings Plan. No staking required for the base rate.
- 1% Saveback on card payments from your cash balance and 2% when paying with crypto, invested into a savings plan.
- Capped at €15/month from cash or €30/month with crypto, and you must keep at least €50/month in savings plans.
Fees you'll actually meet
Strengths and trade-offs
WORKS FOR YOU IF
- No subscription or annual fee
- 2% on crypto spending
- Rewards auto-invest
- Free ATM withdrawals worldwide from €100
- Apple Pay and Google Pay
LOOK ELSEWHERE IF
- EU only
- Rewards go to Savings Plan not crypto wallet
- Custodial model
What sets it apart
- Rewards auto-invested into Savings Plan
- 2% Saveback on crypto spending
- No subscription fee
- Free worldwide ATM withdrawals from €100 (€1 below)
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 and were verified on September 30, 2026. 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.
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