traderepublic.com
TradeRepublic.com is the main website for Trade Republic, a low-cost European bank and investing platform built around a mobile app.
What is TradeRepublic.com?
Trade Republic lets people save cash, invest money, use a payment card, and manage a bank account from one app.
The company says it serves more than 10 million customers in 18 European countries and holds over €150 billion in customer assets.
The .com address looks global, but the service is mainly made for people who live in its supported European markets.
Each country gets a local version of the website with its own products, rates, rules, taxes, and special offers.
The website is mostly a clear sales and information page, while account opening and daily account management happen mainly through the Trade Republic app.
What can customers do on the platform?
Customers can buy stocks, exchange-traded funds, bonds, cryptocurrencies, derivatives, and some private-market investments, although the exact list depends on the customer’s country.
Many products can be bought from €1, which makes the service easy to try with a small amount of money.
Users can also build automatic savings plans for stocks, ETFs, or crypto.
These plans invest a chosen amount on a regular schedule, so users do not need to place every order by hand.
The bank also offers interest on uninvested cash, but the rate can change and may differ between new customers, existing customers, and countries.
For example, the German page displayed an annual rate of 2.25% on cash when checked in August 2026.
Customers can get a Visa card with no monthly subscription fee and receive 1% Saveback on eligible spending, which is placed into a selected savings plan.
How much does Trade Republic cost?
Trade Republic uses simple headline pricing, but “commission-free” does not mean every trade has no cost.
On the German pricing page, a normal single trade has no order commission but includes a €1 trade-settlement fee.
Stock, ETF, and crypto savings-plan executions are listed as free.
Other costs can still include bid-and-ask spreads, ETF management charges, currency conversion effects, product costs, and third-party fees.
A card cash withdrawal of at least €100 is normally free, while a smaller withdrawal carries a €1 fee in Germany.
The full in-app price list matters more than a large “free” message on a landing page.
Users should compare the final buying price with prices on other exchanges, especially when trading at quiet times or buying a product with low trading volume.
How are trades completed?
For stocks and ETFs, Trade Republic offers Best Price and Direct Price execution.
Best Price compares live quotes across relevant exchanges and selects the best available price within its system.
Direct Price lets the customer choose a specific available exchange.
Bonds, derivatives, and crypto may use different exchanges or trading partners, so they do not always follow the same process as stocks and ETFs.
This detail is important because a low fixed fee can be less useful when a wide spread makes the asset more expensive.
Old reviews may also describe a business model that has changed.
European rules now prohibit payment for order flow, with the final national exemption ending on June 30, 2026.
Customers should therefore read current execution information instead of relying on articles written several years ago.
Is money safe at Trade Republic?
Trade Republic Bank GmbH is a German full bank supervised by German financial authorities, and it received its full European Central Bank banking licence in 2023.
Cash held at eligible partner banks is normally covered by the relevant deposit-guarantee system up to €100,000 per customer and bank.
However, not all displayed cash may be kept as a normal bank deposit.
Trade Republic says some money can be placed with partner banks and some can be held through liquidity or money-market funds.
Money-market fund holdings are investments rather than protected bank deposits, so their legal protection and risks are different.
Stocks and ETF units in a custody account generally remain the customer’s property and are separate from the bank’s own assets, but their market value can still fall.
Bank regulation protects account structures, but it does not protect users from poor investment choices or market losses.
What does the website do especially well?
The strongest part of TradeRepublic.com is its simple presentation.
The website turns investing, cash interest, card spending, and automatic saving into a small number of clear actions.
This approach can help a new investor begin a broad ETF savings plan without dealing with a complex trading screen.
Its prices are also easier to understand than fee systems that use many account levels and percentage commissions.
The service is most useful for regular saving, small orders, and people who want their banking and investing tools in one place.
What should users watch carefully?
The simple design can make risky products look as easy as a normal savings account.
Crypto, derivatives, individual stocks, and private-market assets can lose money quickly or remain difficult to sell.
A reward such as Saveback is useful only when it supports planned spending rather than causing more spending.
Interest offers can also change, so customers should not treat a current rate as permanent.
The local country page is essential because an offer shown on another European version of the site may not apply to the reader.
People should also check tax reporting, asset-transfer rules, customer-support access, available exchanges, and cash-storage details before moving a large portfolio.
Who is TradeRepublic.com best for?
Trade Republic fits European residents who want a mobile-first bank, low fixed trading costs, and automatic long-term investing.
It is less suitable for active professional traders who need advanced charts, complex order tools, detailed research, or full desktop trading software.
It is also not a practical choice for most people who live outside Trade Republic’s supported European countries.
The website presents a strong low-cost package, but its best use is steady saving rather than fast speculation.