Trade Republic

Featured

German broker-bank with 3.75% interest on unlimited cash, free stock/ETF/crypto/bond investing from €1, 1% Saveback, and 4M+ users. EU only — not in Switzerland.

Country: DEIBAN: DEFounded: 2015

Monthly fee

Free

Open Account →

eu investment crypto savings broker free interest

Pros

✓3.75% interest on unlimited cash
✓Invest from €1 in stocks/ETFs/crypto/bonds
✓1% Saveback cashback into savings plan
✓Free ATM worldwide (above €100)
✓No subscription fee
✓Regulated German bank (BaFin)

Cons

✗NOT available in Switzerland
✗AI-heavy support — difficult to reach human agent
✗Recent app redesign heavily criticized
✗Must manually activate interest payments
✗Crypto and stocks viewed separately (no total portfolio view)

Features

Google / Apple Pay✓ Yes

Multi-Currency✗ No

Savings Account✓ Yes

Interest Rate3.75%

Crypto Support✓ Yes

Investment Feature✓ Yes

Physical Card✓ Yes

Virtual Card✗ No

Joint Account✗ No

Business Account✗ No

Kids Account✗ No

Instant Transfers✗ No

Cash Deposit✗ No

Desktop App✓ Yes

Customer Supportasync

Fees

FX Fee0.99%

Card DeliveryFree

Limits

Daily ATMEUR 3,000

Daily TransferEUR 100,000

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