Trade Republic Card
Debit card for the Trade Republic account with 1% Saveback into your savings plan.
Score: 9.5 / 10 · Excellent · Top rated 2026
Rating: 8.6 / 10 · 5.120 reviews
Best for: Savings-plan users
Overview
The Trade Republic Card is a debit card from Trade Republic on the Visa network. Debit card for the Trade Republic account with 1% Saveback into your savings plan. It comes with no annual fee on a permanent basis and also waives the usual foreign currency fee abroad.
Who is it for?
Our take: Savings-plan users. Its strengths lie in travel and use abroad, cashback (1 %) and mobile payments. It is issued with a German IBAN. As a debit card, transactions are debited directly from your account.
How the score is calculated
Overall score: 9.5 / 10 · Excellent · Top rated 2026
| Costs (30 %) | 10.0 / 10 |
|---|---|
| Foreign currency (18 %) | 10.0 / 10 |
| Cash worldwide (14 %) | 10.0 / 10 |
| Interest (10 %) | 7.5 / 10 |
| Cashback & bonus (10 %) | 4.2 / 10 |
| Features (6 %) | 3.6 / 10 |
| Community signal (12 %) | 8.8 / 10 |
Highlights
- No annual fee
- 1% Saveback into your savings plan
- Free withdrawals from €100
- Trade Republic account required
Costs & Fees
| Annual fee | €0 |
|---|---|
| Welcome bonus | — |
| Eff. annual interest | — |
| Type | Debit card |
| Network | Visa |
| Issuer | Trade Republic |
Cashback: 1% saveback, max. €15/month, credited to a savings plan
There is no annual fee. You pay no surcharge abroad or in foreign currency. A fee of €1 per withdrawal applies to cash worldwide (free from €100). Billing: Immediate deduction from the current account on each payment.
Redirect to provider · non-binding
This card in our comparisons: Free Credit Cards · Travel Credit Cards · Miles & Cashback Credit Cards · Debit Credit Cards
Related guides: Foreign fee study 2026: what credit cards cost abroad · What is SCHUFA? Germany's credit score guide · How to apply for a credit card in Germany
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Frequently asked questions
- What does the Trade Republic Card cost per year?
- The Trade Republic Card has no annual fee on a permanent basis — there are no fixed yearly costs.
- Does the Trade Republic Card charge foreign currency fees?
- No. With the Trade Republic Card you pay no foreign currency fee worldwide.
- Is the Trade Republic Card a genuine credit card?
- The Trade Republic Card is a debit card — transactions are debited directly from your account.
- Is the Trade Republic Card available without SCHUFA?
- Yes, the Trade Republic Card can generally be obtained without a classic SCHUFA credit check or without a negative SCHUFA record. The provider's terms always apply.
- How is money on the Trade Republic Card protected?
- Statutory deposit guarantee Germany (EdB), up to €100,000 per customer per partner bank. Trade Republic Bank GmbH holds a full banking licence; cash is held in trust accounts at partner banks.