traderepublic.com

January 13, 2026

What TradeRepublic.com Is

TradeRepublic.com is the official website of Trade Republic, a German fintech company that operates as both an online broker and a bank focused on investment and savings services. It’s based in Berlin and has grown to become one of Europe’s largest mobile-first investing platforms, serving millions of customers across many European countries.

It started in 2015 and was originally called Neon Trading. Over time, it expanded from a simple brokerage service to a fully licensed bank after receiving a full banking license in 2023. This means that beyond just trading securities, it can offer traditional banking products as well.

The core idea behind the platform and its website is to make investing and managing money easier, cheaper, and more accessible. The company mission focuses on helping people create wealth with simple tools rather than complex financial products.

How the Platform Works

Trade Republic operates primarily through its mobile app and online platform. Users can open accounts, fund them, and trade financial products entirely online. The site traderepublic.com provides information about the services, pricing, security, and regulatory aspects, as well as links to download the app.

Investing and Trading

Users can invest in:

• Stocks — buy and sell shares in companies listed on multiple exchanges.
• ETFs (Exchange-Traded Funds) — baskets of securities that track an index or theme.
• Bonds — government and corporate bonds with interest payouts.
• Cryptocurrencies — a selection of digital assets for spot trading.
• Derivatives — through partnerships with established financial institutions.

Trades are generally low cost. There’s no traditional brokerage commission; instead, most orders incur a small flat fee (often around €1) that covers external settlement costs. There are no account maintenance fees or minimum balance requirements in many regions.

Savings and Banking Products

Because Trade Republic now has a full banking license, the platform offers more than just investing:

• Savings and deposit accounts with interest on cash balances in some markets.
• Debit cards that often come without subscription fees and may include incentives like cashback or “saveback” into savings plans.
• Banking services including IBAN accounts in some countries.

The cards typically have no monthly subscription fees, with options for virtual cards (free), classic cards, and premium designs for higher one-time fees.

Fees and Cost Structure

One of the main attractions of Trade Republic is its fee transparency and low cost structure. Key points:

• No account opening, custody, inactivity, or maintenance fees in many regions.
• Low trading fees — most buy/sell orders include a flat settlement fee (around €1).
• No commissions on crypto spot purchases in some markets.
• Interest paid on cash balances in certain accounts.

This pricing model positions Trade Republic well against many traditional brokers that charge higher commissions or hidden fees.

Market Reach and Growth

Trade Republic is not limited to Germany. It serves users in multiple European countries, including but not limited to Austria, France, Spain, Italy, the Netherlands, Belgium, and others. It’s grown rapidly — at times reporting over 10 million clients and managing tens of billions in assets under management.

This expansion reflects a broader trend: retail investors across Europe are increasingly using digital platforms to enter financial markets without high barriers. Many users are new to investing and are drawn by the simplicity and low costs.

Security and Regulation

Being based in Germany, Trade Republic is regulated by BaFin (the Federal Financial Supervisory Authority). This means it follows strict rules on client asset segregation and financial reporting. Client assets are typically held in omnibus trust accounts with major banks, offering additional layers of safety.

That said, it’s important for users to ensure they’re dealing with the real Trade Republic and not a clone or scam platform. Regulators in Europe have occasionally flagged fraudulent sites pretending to be legitimate brokers, including sites claiming to be Trade Republic but without any official authorization. Always check the URL and regulatory credentials.

User Experience and Criticisms

On the positive side, many users appreciate the clean interface, ease of use, and transparent costs of Trade Republic, especially if you’re new to investing. Customer reviews often highlight how intuitive it is to set up accounts and start trading.

However, there are some criticisms:

• Customer support can be limited, with some users reporting difficulty reaching real human support quickly.
• The trading model sometimes routes orders through specific partners, which can limit options compared to some global brokers.
• Product range has grown but may still be narrower than some larger brokers, especially in complex financial instruments.

Recent Developments

Trade Republic has seen strong investor interest and high valuations as a fintech. Recent financing rounds have pushed its valuation into the billions, reflecting confidence in its business model and growth prospects.

It has also been building out localized banking services, such as offering IBAN accounts in Spain and other markets, allowing users to handle both everyday banking and investment activities within one platform.

Key Takeaways

• Trade Republic is a German digital broker and bank focused on low-cost investing and savings.
• The platform allows trading of stocks, ETFs, bonds, crypto, and derivatives with low flat fees.
• It now holds a full banking license and offers savings accounts, cash interest, and debit cards.
• Fees are transparent and generally low compared to traditional brokers.
• Regulated by German authorities and available in multiple European countries.
• User experience is strong, though support and some product breadth may lag larger platforms.

FAQ

Is Trade Republic safe?
Yes. It’s regulated by BaFin in Germany and holds a banking license, with client assets held in trust accounts. Always verify you’re using the official website and services.

Can I start investing with a small amount?
Yes. You can invest in many assets starting with as little as €1.

Are there account fees?
In most regions, there are no account maintenance, custody, or inactivity fees; you usually just pay a small flat trading fee.

Can I use it outside Germany?
Yes. Trade Republic is available in many European countries. Availability may vary by jurisdiction.

Does it offer banking services?
Yes. With its banking license, Trade Republic offers cash accounts, savings interest, and debit cards in some markets.