Trade Republic Reviews
German neobroker with 50 cryptocurrencies, wallet transfer, staking, stocks, ETFs and savings plans from €1.
Trade Republic Rating
Our Opinion
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. Trade Republic is a bank supervised by BaFin and, in addition to 50 cryptocurrencies, also offers stocks, ETFs, and derivatives from a single source. By its own account it is one of the first banks in Europe authorised under the EU's MiCA regulation; ESMA's register has listed the crypto services of Trade Republic Bank GmbH since 28 April 2025, notified to BaFin as a bank under Article 60 of MiCA. Users appreciate that Trade Republic charges no order commission; each single order costs a flat EUR 1, savings plans run without it, and the remaining costs arise through the spread, whose 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.
The Crypto Wallet lets you send cryptocurrencies to external wallets and receive them from there, according to Trade Republic without any transaction fees of its own. 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 and who want to be able to move their coins to a wallet of their own.
Pros & Cons
- 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 order commission on crypto: EUR 1 flat fee per single order, savings plans without it, plus 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 1 November 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
Costs & Discounts
Trade Republic charges no order commission for crypto trading. Each single order carries a flat fee of EUR 1, while savings plans run without it. Every purchase and sale also includes the spread, the gap between buy and sell price, which is built into the quoted price.
| Transaction | Cost at Trade Republic |
|---|---|
| Buying or selling a cryptocurrency (single order) | EUR 1 flat fee per order, no order commission, plus the spread |
| Crypto savings plan from EUR 1 | no flat fee, only the spread |
| Custody of your coins | free, most of it held in cold wallets at BitGo Europe GmbH |
| Sending to and receiving from external wallets | no Trade Republic fee, only the blockchain's network costs |
| Staking, including SOL, ETH and DOT | no additional fee, the app shows the net yield |
| Paying with crypto via the card | only the spread; 2% Crypto Saveback on up to EUR 1,500 card spending per month if at least EUR 50 goes into savings plans each month |
| Card: monthly fee and withdrawals | free, withdrawals under EUR 100 cost EUR 1 |
How to save: If you buy regularly, use the savings plan, since the EUR 1 flat fee does not apply there. For single orders, larger amounts pay off: on EUR 50 the flat fee is 2%, on EUR 1,000 only 0.1%. We compare exchanges with maker and taker fees in our crypto exchange comparison.
As of 1 November 2026 according to Trade Republic's crypto page and price overview and its help article on crypto fees (German price list).
User Experiences
AI Analysis1,410 analyzed reviewsOur AI collects and analyzes user reviews of Trade Republic from the web and summarizes the key findings.
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.
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.
Provider details (fees, licences, pros and cons) editorially reviewed: November 2026. This analysis is based on 1410 user reviews evaluated by AI from the Apple App Store, Trustpilot, and Google Play Store. The total number of reviews on the respective platforms may be higher; the platform ratings shown (star ratings) refer to all reviews available there. The ratings displayed reflect users’ experiences and do not represent the website operator’s own assessment. All information is provided without guarantee. As of: March 2026. This comparison does not constitute investment advice.
Features
Feature Scope
Highlights
- Neobroker for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- MiCA authorisation from BaFin, based in Germany
- 50 tradable cryptocurrencies
- Wallet transfers and staking available
Tradeable Assets
- Cryptocurrencies (50 coins, e.g., Bitcoin, Ethereum)
- Stocks (domestic and international equities)
- ETFs and ETF savings plans
- Derivatives (knock-outs, warrants)
Trading Options
- Direct buying and selling via app and web
- Savings plans for crypto, stocks, and ETFs
About Trade Republic
Cheaper or safer: alternatives to Trade Republic
Exchanges authorised in the EU under MiCA, each with the trading fee from our comparison and a head-to-head with Trade Republic.
- Go to CoinbaseCoinbaseListed US group, MiCA authorisation via Coinbase Luxembourg S.A.Trading fee in our comparison: up to 1.875% + spread (as of 01/11/2026)Trade Republic vs Coinbase compared
- Go to BitpandaBitpandaVienna-based, MiCA authorisation from the Austrian FMA for Bitpanda GmbH.Trading fee in our comparison: from 0.99% (as of 01/11/2026)Trade Republic vs Bitpanda compared
- Go to OKXOKXMiCA authorisation in Malta via OKX Europe Limited.Trading fee in our comparison: 0.2 % (as of 01/11/2026)Trade Republic vs OKX compared
Partner links: we earn a commission if you become a customer through one of these links. Not investment advice. Crypto assets are volatile and you can lose all of your money.
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