To open a Trade Republic account, you must meet the following criteria: You own a smartphone (iOS or Android operating system). You are at least 18 years old and have your permanent residence in Germany with tax liability in Germany. You have a European cell phone number and a SEPA bank account.

Over the past six years, we have built a powerful digital financial institution with modern technology. Like many other brokers, we receive rebates from trading partners. As a result, we can free you from high order commissions through our efficient structures. When placing an order, Savings Plans are free of brokerage fees and there is one euro for single trades plus third party costs and spreads, but no order commission.

Trade Republic’s current account, with 2.5 % annual interest rate and no subscription fee. Start sending and receiving money, easily and safely. Pay your bills and get your salary, directly in your Trade Republic account, with scheduled transfers, standing orders and direct debits.

All Trade Republic cards are subscription free. You have the choice between a virtual card (free), classic card (5 € one-time payment) and mirror card (50 € one-time payment). Trade Republic doesn’t charge fees for transactions or any ATM withdrawals above 100 €. For non-euro transactions, no additional bank fees are charged.

Activate 2.5 % annual interest with your new Trade Republic current account and earn money every month on unlimited cash balances. Enjoy full flexibility to withdraw any time. Interest is accrued daily and paid out monthly. You can withdraw your money anytime.

Trade Republic Bank is a full German bank. We are supervised by the BaFin (Federal Financial Supervisory Authority) and offer you the usual reliability and security of a full German bank. The money you pay in is held in one of our omnibus trust accounts with banks that are also authorized to conduct deposit business. These are currently Deutsche Bank AG, J.P. Morgan SE, HSBC Continental Europe S.A and Citibank Europe plc. For higher balances your cash is further diversified in liquidity funds, as detailed below "How is my money protected"

With Trade Republic, you can invest, spend and bank. Start investing with just 1 € in worldwide stocks & ETFs, corporate and government bonds, crypto and derivatives or make saving a habit by setting up a recurring Savings Plan. Earn 2.5 % p.a. on unlimited cash with your current account. Get your subscription free card to spend and earn 1 % Saveback.

Your cash deposits are distributed among partner banks, such as Deutsche Bank or J.P. Morgan and for higher balances are further diversified into liquidity funds. Your deposits on each escrow account are protected with up to 100,000 € respectively.

All relevant information on deposit protection of each partner bank can be seen in the app. Cash deposited in the liquidity funds are directly held on a segregated custody account. Liquidity funds’ allocations follow the same strict safeguarding rules that are in place for stocks and cash deposits. This means that your assets are segregated from corporate assets. Hence, for liquidity funds, deposit guarantee schemes do not apply.