justTrade vs Trade Republic Comparison
| 0.125 % | Fees | 0 % |
| € 1.25 | Minimum cost per €1,000 | no order fee, cost in the spread |
| 74 | Cryptos | 50+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. | Regulation | BaFin license as a securities institution |
Cost comparison
The basis is a Bitcoin purchase worth €1,000, calculated from the disclosed trading fee. A price markup in the spread is not included, because most providers do not publish it.
| € 1.25 | Minimum cost per €1,000 | no order fee, cost in the spread |
| 0.125 % | Fees | 0 % |
| – | Wallet transfer | – |
| Yes | Cost transparency | Limited |
| € 50 | Minimum Amount | € 1 |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
Pros & Cons
- 0.125 % order commission on the order volume, as stated in the price and services list dated 8 June 2026
- 74 crypto assets and 94 crypto ETPs tradable, 43 of them eligible for savings plans
- Minimum order volume of €25, fractional purchases possible
- Staking offered on crypto ETPs
- Savings plans for crypto and securities available
- Service handled through the BaFin-licensed Sutor Bank
- Stocks and ETFs tradable as well
- On top of the 0.125 % commission comes the trading venue's spread, so the total cost is not expressed in a single figure
- Transfers to your own wallets are not possible, occasionally criticised by users
- SMS-based two-factor authentication; stronger options would be welcome
- Minimum order volume of €25 per purchase
- MiCA authorisation from BaFin, listed in the French AMF's CASP register as “Licensed MICA” with Germany as the licensing country
- Savings plans for crypto, stocks and ETFs from €1
- Crypto transfers to and from external wallets with no transaction fee charged by Trade Republic
- Staking available, according to the provider for SOL, ETH and DOT among others, at no extra charge
- 2 % Crypto Saveback on card payments up to €1,500 per month
- No explicit trading fee on crypto; the cost sits in the spread
- 50 cryptocurrencies tradable alongside stocks and ETFs
- Deposits via SEPA, SEPA instant transfer and credit card
- Trade Republic's own help pages contradict its product page: on 5 September 2026 they still stated that sending and receiving crypto was not possible
- Cost transparency on crypto spreads has room for improvement, according to users
- SMS-based two-factor authentication; stronger methods would be welcome
Score Comparison
User Experiences
AI AnalysisAccording to 220 analyzed user reviews, justTRADE is especially appreciated for its clear app layout, easy operation, and fast processes. At the same time, users occasionally report technical friction around app display, login, and stability, so based on user data the overall experience is mixed with a positive tendency.
According to the evaluated user data, Trade Republic is especially appreciated for its intuitive and clear app. At the same time, users report room for improvement in support, while fees and individual aspects of the app are perceived in mixed ways according to reviews.
This analysis is based on 220 user reviews evaluated by AI from Trustpilot, Google Play Store. The total number of reviews on the respective platforms may be higher — the platform ratings (star ratings) shown refer to all reviews available there. The reviews presented reflect users’ experiences and do not constitute an independent assessment by the website operator. All information without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
| ✓ | Savings plan | ✓ |
| ✓ | Staking (via ETPs) | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation (Sutor Bank) | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA transfer | ✓ |
| ✓ | Staking | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | SEPA instant transfer | ✓ |
- 0.125 % order commission plus the trading venue’s spread: inexpensive, but not free
- Trading secured via the BaFin-licensed Sutor Bank
- Neobroker with stocks, ETFs, and crypto on one platform
- Blockpit discount (20 %) for crypto tax reports
- Neobroker for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- BaFin-regulated with a German bank account
- Over 50 tradable cryptocurrencies
The five areas head to head
AI AnalysisFees & Costs
When it comes to fees and costs, the overall sentiment in the reviews is rather positive. Users occasionally describe justTRADE as inexpensive and highlight the pricing level positively in their feedback. However, concrete cost information should always be considered in comparison with the fees stated by the provider.
When it comes to fees and costs, user opinions are mixed. Some users describe Trade Republic as inexpensive, while according to reviews, higher fees are also occasionally criticized.
Usability & User Experience
Users particularly appreciate the clear design and uncomplicated use of the justTRADE app. According to reviews, the interface is often described as clearly structured and easy to understand. In some cases, usability on larger devices is seen as room for improvement, and users would like to see features such as a tablet mode, dark mode, and more sorting options.
Users particularly appreciate Trade Republic for its intuitive, clear, and easy-to-use app. According to reviews, the application is often described as beginner-friendly, which makes getting started easier. However, the app is also occasionally described as somewhat unclear.
Features & Offering
According to the user data, only a limited number of specific comments are available on features and the offering. It is occasionally mentioned that order functions are room for improvement from the user perspective, and users would like more stop-loss options, a longer timer, and instant deposits. Overall, the offering is commented on rather briefly in the reviews, so no consistent picture can be derived from user opinions here.
Users repeatedly wish for availability in Switzerland, an iPad version, and a CSV export. According to reviews, a simpler tax overview and the option for automatic dividend reinvestment are also mentioned occasionally. Wishes are also expressed in the available user data regarding the search function and stop-limit orders.
Stability & Security
The user reviews do not show a completely consistent picture when it comes to stability and reliability. Users do report fast execution, but app crashes, login problems, slow charts, display errors, and difficulties with two-factor authentication are occasionally criticized. According to user data, this area therefore appears to have room for improvement in some respects.
Users report mixed experiences regarding stability and reliability. It is occasionally mentioned that the app crashes, while others describe the app as easy to use in everyday life.
Customer Support
Users repeatedly describe support as fast. According to reviews, inquiries sometimes receive a reply in a timely manner, which is highlighted positively in user feedback. Overall, customer service leaves a predominantly positive impression based on the analyzed responses.
When it comes to support, many users report room for improvement. According to reviews, it is often mentioned that customer service is difficult to reach or that responses take a while to arrive. In direct contact in particular, users therefore rate support critically.
Details
| JT Technologies GmbH | Company | Trade Republic Bank GmbH |
| 2019 | Founded | 2015 |
| The justTRADE service is provided by Sutor Bank, which has a BaFin license for deposit and financial commission business. | Regulation | BaFin license as a securities institution |
| € 50 | Minimum Amount | € 1 |
| VideoIdent | KYC | Video-ID |
Verdict
Both providers are practically level in our overall rating (3.0 to 2.9).
Neither provider reaches 4.0 out of 5 in our rating, so we do not give an unreserved recommendation here.
In the DACH region, justTrade was long perceived as a fee-free trading model. That is no longer the case: under the price and services list dated 8 June 2026, the bank charges an order commission of 0.125 % of the order volume for executing orders in crypto assets, plus the trading venue’s spread. It remains inexpensive by comparison, but it is not free. With 74 tradable cryptocurrencies as real coins, the broker offers a solid range, processed via the BaFin-licensed Sutor Bank. For cost-conscious investors who also want to trade stocks and ETFs alongside crypto, justTrade is considered one of the cheaper options.
Also appreciated is the ability to set up crypto savings plans, as well as the 20-% discount at Blockpit for crypto tax reports. The platform can be used via both app and web and is aimed at investors who prefer an uncomplicated trading environment. Staking via crypto ETPs is seen as a useful addition.
However, wallet transfers to personal wallets are not possible, which is occasionally criticized by users. The minimum deposit of 50 € and the SMS-based 2FA are also considered room for improvement. justTrade is therefore particularly suitable for price-conscious beginners and occasional investors looking for inexpensive access to crypto and securities in a regulated German environment.
Trade Republic is considered one of the best-known neobrokers in the DACH region and is used by many users as an entry point into the world of cryptocurrencies. The broker is licensed as a securities institution by BaFin and, in addition to over 50 cryptocurrencies, also offers stocks, ETFs, and derivatives from a single source. The removal of explicit trading fees is viewed positively by users, although the actual costs arise through the spread — here, transparency is occasionally rated as room for improvement.
Particularly appreciated are the savings plans from €1, which make it easy to get started with regular crypto investing. For investors who want to manage crypto, stocks, and ETFs in a single app, Trade Republic is considered one of the most accessible solutions on the German market. The app is described as intuitive and clearly geared toward beginners and occasional investors.
However, wallet transfers to your own wallets are currently not possible, which is occasionally criticized by more experienced crypto users. The SMS-based 2FA security is also considered room for improvement. Trade Republic is therefore especially suitable for investors looking for a regulated, uncomplicated way to access cryptocurrencies as part of a broad securities offering — less so for users who value self-custody.