A strong pick for Trade Republic users who already run a monthly savings plan, especially if they can use the 2% crypto rate. Skip it if you don’t want to keep €50 a month in savings plans or live outside its 17 countries.
Score breakdown
How we read the terms: Free virtual card, no monthly fee and 0% foreign-currency fee. 1% Saveback from the cash balance, 2% when paying with crypto; both need a €50 monthly savings plan and are capped at €1,500 of spending a month.
Preliminary score: criteria marked “Not scored” are left out and their weight is shared among the rest. How scores are calculated.
Pros
- 1% Saveback, or 2% when paying with crypto
- Saveback can be invested into a crypto savings plan such as Bitcoin
- No monthly fee and a free virtual card
- No foreign-currency fee from Trade Republic
Cons
- Saveback needs at least €50 a month in savings plans
- Rewards are capped at €1,500 of spending a month (€15, or €30 with crypto)
- Crypto features only in 11 countries
- Not available in the UK or to US persons
Overview
The card is a Visa debit card from Trade Republic Bank GmbH, a German bank supervised by BaFin. Crypto in the Trade Republic wallet is held in cold storage by BitGo Europe GmbH.
Saveback pays 1% of eligible card spending into a savings plan of your choice — stocks, ETFs or crypto. With Pay with Crypto, payments come from your crypto balance and earn 2% Crypto Saveback; Trade Republic notes that each such payment counts as a sale and may be taxable.
The card spends from the cash balance by default (1% Saveback). With Pay with Crypto, payments are funded from the Trade Republic crypto balance and earn 2% Crypto Saveback; each such payment counts as a sale of crypto and may have tax consequences.source
We haven’t run a hands-on test of this card; this review is based on the issuer’s published documents linked on this page.
Card tierssource
| Tier | Stake | Subscription | Cashback | Notes |
|---|---|---|---|---|
| Saveback (cash balance) | None; €50/month savings plan required | €0 | 1% | Up to €1,500 eligible spend/month (max €15) |
| Crypto Saveback (Pay with Crypto) | None; €50/month savings plan required | €0 | 2% | Up to €1,500 eligible spend/month (max €30); crypto-funded payments are a sale and may be taxable |
Region: EEA (Germany).
Fees and limits
- Card issuance (EEA (Germany))
- Virtual €0; Classic €5 one-off; Mirror €50 one-offsource
- Monthly fee (EEA (Germany))
- €0source
- FX fee (EEA (Germany))
- 0source
- Top-up
- Not verified
- Free ATM per month (EEA (Germany))
- Unlimited free withdrawals of €100 or more; €1 fee below €100source
Fees are quoted from the issuer’s documents for the region shown. Each “source” link opens the issuer’s page; the wording is quoted in the availability table and in the link’s tooltip.
Is it worth it? Quick math
Entry tier, €1,000 a month of everyday spending in the card’s currency, first year, compared with a plain 2% cash-back card. Only the verified figures above are used.
- Cashback earned
- €120
- Card fees (issuance + 12 × monthly)
- €0
- Net value, year one
- €120
- Plain 2% cash-back card
- €240
At this spend, a plain 2% cash-back card earns €120 more. Higher tiers pay more, but may need staking, a balance or a paid plan — see the tiers above.
Cashback paid in a volatile token can be worth more or less when you sell it. FX and top-up fees are not included here.
Availability
| Region | Status | What the issuer says |
|---|---|---|
| US | Not available | “US persons aren’t eligible to open an account with us.”source |
| UK | Not available | “we can only accept applications from customers if they are a permanent resident in the country in which we also offer our product.”source |
| EEA | With restrictions | “At the moment, Trade Republic is available in Germany, Austria, France... Slovenia and Slovakia.”source Available in 17 EEA countries; paying with crypto only in 11 of them. |
By country
Other regions listed by the issuer: Germany, Austria, France (incl. overseas departments), Spain, Italy, Netherlands, Belgium, Luxembourg, Finland, Ireland, Greece, Portugal, Estonia, Latvia, Lithuania, Slovenia, Slovakiasource. Not legal advice; an issuer can refuse any applicant.
How to get the card
- 1Open an accountSign up in the Trade Republic app and verify your identity.
- 2Order the cardPick the free virtual card or a Classic (€5) or Mirror (€50) card.
- 3Set up a savings planActivate Saveback and invest at least €50 a month in savings plans.
- 4Choose how to paySpend from your cash balance for 1%, or use Pay with Crypto for 2%.
Trade Republic Card: common questions
Can Trade Republic Saveback go into Bitcoin?
Yes, if you live in a country where Trade Republic offers crypto. Saveback is invested into the savings plan you choose, and savings plans can be in crypto.
How much is Trade Republic’s Crypto Saveback?
2% on up to €1,500 of eligible spending a month when you pay from your crypto balance, compared with 1% from your cash balance.
Alternatives and comparisons
Information only, not financial advice. Crypto assets are volatile. Terms change often — confirm on the issuer’s site before applying.