Trade Republic - get virtual card and account

Trade Republic is not just an investment platform – it’s first and foremost a modern digital bank that can replace your current financial service provider. With a free account, you get all the features you need for everyday money management, with no hidden fees or monthly charges. It’s the perfect solution for anyone looking for a simple and affordable online bank.

Depositing money into your account is as convenient as it gets. Trade Republic allows deposits via Apple Pay, Google Pay, and standard bank transfers, making managing your money even easier and faster.

One of the biggest advantages is the free virtual card, which you can generate immediately after opening your account. It lets you pay securely online, subscribe to services like Netflix or Spotify, and shop in mobile apps. The card works anywhere Visa is accepted, with no extra costs or issuance fees.

Trade Republic: Your All-in-One Wealth App. Why Should You Open an Account?

Building wealth in Europe has evolved. You no longer need complex banking structures or expensive brokers to grow your money. Trade Republic is a leading European financial platform that combines banking security with modern investing, making it easier than ever to manage your finances.

Here are 5 key reasons why millions of users across Europe have chosen Trade Republic.

1. Earn High Interest on Your Cash

Trade Republic offers a smart way to fight inflation without locking your money away.

• Money works 24/7: Your uninvested cash earns high interest based on current ECB rates.
• Total Flexibility: Unlike traditional fixed-term deposits, your money is never “frozen.” You can withdraw it at any time, while interest is calculated daily and paid out monthly.
• Transparent Growth: You can see your earnings grow in real-time within the app, providing a perfect home for your emergency fund.

2. Low-Cost Investing with Flat Fees

The Trade Republic fee model is revolutionary in its simplicity. Say goodbye to complex commission tables that eat into your profits.

• €1 Flat Fee: No matter if you are buying shares worth €100 or €10,000, the external settlement fee is a flat €1 per individual trade.
• No Hidden Commissions: By removing percentage-based fees, you keep more of your returns, especially when investing larger amounts.

3. Free Savings Plans for Long-Term Wealth

If you want to build wealth gradually, Trade Republic’s Savings Plans are the ultimate tool.

• €0 Commission: You can set up automated, recurring purchases of stocks or ETFs (e.g., weekly or monthly). Executing these plans is completely free of charge.
• Fractional Shares: You don’t need to buy a full share of an expensive company. You can invest in fractions of a share with as little as €1.
• Consistency: Automation helps you invest regularly, regardless of market volatility.

4. The Card That Invests While You Spend (1% Saveback)

The Trade Republic Visa card turns your daily expenses into future investments.

• 1% Saveback: For every eligible card payment (groceries, fuel, dining), you receive 1% back of the transaction value.
• Automatic Growth: This “Saveback” is automatically invested into a Savings Plan of your choice. You spend on your lifestyle today while building your portfolio for tomorrow.
• No Monthly Fees: The virtual card is free, and physical card options are available for a one-time fee.

5. Full Banking License and Security

Trade Republic is not just a fintech app; it is a licensed European bank supervised by the European Central Bank (ECB).

• Deposit Protection: Your cash is protected by National Deposit Guarantee Schemes up to €100,000 per investor.
• Strict Regulation: The institution is regulated by the Federal Financial Supervisory Authority (BaFin) and the Bundesbank, ensuring the highest standards of safety and transparency.

Trade Republic is an ideal choice if:

1. You want an alternative to low-interest savings accounts at traditional banks.
2. You want simple access to thousands of global stocks and ETFs.
3. You value a clean, mobile-first experience that makes finance understandable for everyone.

Start Your Financial Journey Today

Registration is fully digital and takes only a few minutes. Don’t let your savings lose value—start making your money work for you.

Legal Note: Investing in the stock markets involves risks. The value of your investments can go up as well as down, and past performance is no guarantee of future results.