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Self-custody of cryptocurrencies plays an important role for many users who want to manage their cryptocurrencies and thus their "private keys" themselves and not leave them in the hands of the exchange. Most exchanges offer the option of sending the purchased cryptocurrencies to their own wallet.
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Trade Republic Review
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In our view, Trade Republic is a simple, low-threshold way to buy crypto next to stocks and ETFs at a German bank: 50 cryptos, a €1 fee per trade plus spread, free savings plans and transfers to your own wallet. We think it suits buyers and savers better than active traders.
Overview
Quick Facts
Trade Republic is a bank and broker from Berlin, run by Trade Republic Bank GmbH and supervised by BaFin. It offers stocks, ETFs, bonds, derivatives and 50 cryptos in one app, with a €1 fee per trade and free savings plans.
Informations
Pro's & Con's
- 50 cryptos as real coins that you can send to your own wallet
- A flat €1 fee per trade and free crypto savings plans
- Staking for SOL, ETH, DOT and more at no extra fee
- Crypto, stocks, ETFs, a current account and a card in one app from a German bank
- Orders from 1 euro and no minimum investment amount
- The size of the crypto spread is not published on the website
- The €1 fee weighs heavily on small orders
- A short coin list compared with crypto exchanges
- No proof of reserves that we could find, and no private keys of your own in the app
- Only for residents of 18 European countries
Trade Republic
Features
Feature Overview
Unique Features
- Free savings plans
- Crypto transfers to and from external wallets
- Crypto staking
- Web Terminal for stocks and derivatives
Tradable Assets
- Cryptocurrencies
- Stocks
- ETFs
- Derivatives
Trading Options
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Our
Trade Republic
Review
Our Rating
Customer Reviews
/ 5 average rating from 0 reviews
Write a Review
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We rate operation as one of Trade Republic's strongest areas. Account opening, top-ups, crypto orders and transfers all run in one app, and Trade Republic says its support is reachable 24/7 by chat or phone inside that app. It scores 4.58 out of 5 from 442,968 ratings in the German App Store and 4.5 out of 5 from 325K reviews on Google Play. You can also log in on the web with the phone paired to your account, and active investors get a Web Terminal for stocks and derivatives. In our view, the short path from sign-up to first purchase earns our top marks here.
We rate functions and scope as good, though short of our top marks. Next to 50 cryptos, Trade Republic offers 11,500 stocks and ETFs, more than 500 bonds and 420,000 derivatives. Two Private Markets funds from Apollo and EQT add another asset class, and stocks and ETFs can also be bought through savings plans. For crypto, you get wallet transfers, staking for SOL, ETH, DOT and more with weekly rewards, free savings plans and Crypto Saveback on card spending. Around the investments sit a current account, a Visa debit card and interest on cash, which is 2.5% in Germany. Missing are crypto derivatives and a longer coin list; for those, see our Kraken review.
We rate beginner friendliness as one of Trade Republic's strongest areas. Orders start at 1 euro, crypto savings plans have no execution fee, and the €1 fee per trade is easy to understand. To open an account, you need to be at least 18 years old, live in one of the 18 countries Trade Republic serves and have a European mobile number and a SEPA bank account. You verify once with an ID card or passport, and you can move coins to your own wallet when you are ready. In our view, savings plans are the easiest way in: they buy for you on a fixed schedule without a fee.
We rate fees and costs as one of Trade Republic's weakest areas. Each crypto trade costs a €1 settlement fee plus a spread, and Trade Republic does not publish the size of that spread on its website. Savings plans have no execution fee, custody is free, and sending crypto costs only the network fee. Trade Republic also names no minimum investment amount. Some costs differ by country: in Italy, an instant top-up by card, Apple Pay or Google Pay costs 1%. A €1 fee is a full percent of a hundred-euro purchase. In our view, the €1 fee is fair for larger orders but heavy on small ones, and the unpublished spread is the main drawback.
We rate security and trust as one of Trade Republic's weakest areas. Trade Republic Bank GmbH is a German full bank supervised by BaFin and the Deutsche Bundesbank and authorized under MiCA, but licenses do not count toward our scores. What holds the rating down in our view: pooled custody without your own private keys, no proof of reserves that we could find and no protection fund for crypto. On the plus side, your account works only with the one phone paired to it, also for web logins, and Trade Republic says most coins sit in cold storage with BitGo Europe GmbH. Cash in the partner banks' trust accounts is covered up to 100,000 euros per customer by their deposit protection.
We rate support as good. Trade Republic says you can reach its team 24/7 by phone or live chat in the app, at no extra cost and without chat bots, plus an emergency hotline for lost cards or devices. It says that team has over one thousand experts. Its online help center answers common questions on fees, order types, account opening and transfers. Its website for Germany comes in English and German, and the other country sites use the local language. In our view, phone and chat access at any hour is the strongest part of the support offer, and the help center covers the basics most beginners ask about.
In our view, Trade Republic is a strong choice for beginners and long-term investors in Europe who want crypto next to stocks, ETFs and cash at a German bank, with the option to move coins to their own wallet. If you trade crypto often or want hundreds of coins, read our Kraken review or our Bitpanda review.
About
Trade Republic
Trade Republic
Trade Republic Review: Crypto Fees, Spread, Safety and Who It Suits
Our verdict: in our view, Trade Republic is one of the simplest ways for investors in Europe to buy crypto alongside stocks and ETFs, but it is a weaker choice if you trade crypto often or seek a long list of coins. Trade Republic Bank GmbH, a German bank supervised by BaFin, offers 50 cryptos. Each crypto trade incurs a €1 settlement fee and includes a spread embedded in the price.
Trade Republic suits you if:
- you reside in one of the 18 European countries Trade Republic serves and desire crypto, stocks, and cash in a single app.
- you prefer to start small: orders begin at 1 euro, and crypto savings plans incur no execution fee.
- you wish to transfer coins to your own wallet or stake SOL, ETH, or DOT.
Trade Republic is probably not for you if:
- you trade crypto frequently, as the €1 fee applies to every trade.
- you are interested in crypto derivatives, which Trade Republic does not provide.
- you live in the US, since Trade Republic does not accept US persons as customers.
We rate operation and beginner friendliness as Trade Republic's strongest areas, with fees and security as its weakest. For more coins and an order book, see our Kraken review or our Bitpanda review.
| Crypto Exchange | Cryptos | Trading Fee | Withdrawal Fee | For US Users? | EF Score |
|---|---|---|---|---|---|
 WEEX | 1173 | 0.1 % | ₿ 0.00016 | No |  9.8 /10 |
 MEXC | 1262 | 0.05 % | ₿ 0.00002 | No | 9.6 /10 |
 Binance | 416 | 0.1 % | VariesBinance sets this fee itself and adjusts it to activity on the Bitcoin network. On 2026-10-03 it charged 0.00002 BTC for a Bitcoin network withdrawal, about $1.69 at Binance's BTC/USDT price. | No | 9.4 /10 |
 OKX | 304 | 0.35OKX US entry tier (OKX INC.) for US residents. The global and EEA entry tier is 0.08% maker and 0.10% taker. % | VariesOKX charges the Bitcoin network fee it shows on its withdrawal page, and the amount changes with network load. On 2026-10-05 it showed 0.000015 BTC, about $1.29 at the OKX BTC index price. | Yes | 9.3 /10 |
 Bitpanda | 568 | 0.99 % | VariesBitpanda adjusts this fee to congestion on the Bitcoin network and says it earns nothing from it. On 2026-10-03 it showed 0.00000598 BTC, about $0.51 at Bitpanda's BTC price. | No | 9.2 /10 |
 KuCoin | 837 | 0.1 % | ₿ 0.00009 | No | 8.9 /10 |
 Bitvavo | 426 | 0.25 % | VariesBitvavo sets this fee itself and changes it with blockchain capacity. On 2026-10-03 it charged 0.000017 BTC, about $1.44 at Bitvavo's BTC/USDC price. | No | 8.8 /10 |
 eToro | 150 | 1 % | VariesMoving BTC from your eToro investment account to the eToro crypto wallet costs 2% of the amount (at least $1, at most $100). Sending it from the wallet to an external address then costs only the Bitcoin network fee. | Yes | 8.8 /10 |
 Kraken | 629 | 0.8 % | VariesKraken may adjust this fee as its costs and market conditions change. On 2026-10-03 its fee page showed 0.000015 BTC for a Bitcoin withdrawal when viewed from the US. | Yes | 8.8 /10 |
 Pionex | 311 | 0.05 % | ₿ 0.000018 | No | 8.5 /10 |
 Bybit | 393 | 0.1 % | VariesBybit sets this fee itself and changes it often. Between 2026-10-02 and 2026-10-05 it showed 0.000035 to 0.000068 BTC for a Bitcoin network withdrawal. | No | 8.5 /10 |
 Coinbase | 407 | 0.9Coinbase Advanced spot entry tier for US residents. In the EU and UK the entry tier is 0.25% maker and 0.50% taker; in Brazil, India and other international markets it is 0.09% maker and 0.10% taker. % | VariesCoinbase sets this fee from its own estimate. Estimated Bitcoin network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space). | Yes | 8.3 /10 |
 BSDEX | 10 | 0.35 % | ₿ 0 | No | 8.2 /10 |
 Bitfinex | 68 | 0 % | ₿ 0.00006 | No | 8.1 /10 |
 Bitstamp | 114 | 0.4 % | VariesBitstamp charges its own estimate of the Bitcoin network fee plus a processing fee it does not publish, and shows the total before you confirm. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space); the processing fee comes on top. | Yes | 8.1 /10 |
 Bitget | 511 | 0.1 % | ₿ 0.00002 | No | 8 /10 |
 justTRADE | 73 | 0.125justTRADE charges no maker or taker fees. You pay a 0.125% commission per crypto order plus a spread of at least 0.175% in the price. % | Not possiblejustTRADE does not allow transfers of crypto into or out of your account. | No | 8 /10 |
 Crypto.com | 416 | 0.5 % | VariesCrypto.com Exchange quotes 0.0004 BTC for a Bitcoin withdrawal, about $33.82 at its BTC price on 2026-10-03. The quote is based on an estimate of network fees, so the final fee may differ. | Yes | 8 /10 |
Trade Republic | 50 | 0Trade Republic charges no commission on crypto trades. You pay a €1 settlement fee per trade, plus a spread in the price. % | VariesTrade Republic charges no fee to send crypto; you pay only the Bitcoin network fee. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space). | No | 7.9 /10 |
 Phemex | 139 | 0.1 % | ₿ 0.000015 | No | 7.8 /10 |
 Scalable Capital | 32 | 1% % | ₿ 0.99% - 0.69% | No | 7.8 /10 |
 CEX.IO | 272 | 0.25 % | VariesCEX.IO lists this fee as floating and sets the amount itself. On 2026-10-03 it listed 0.000075 BTC, about $6.35 at CEX.IO's BTC price. | Yes | 7.5 /10 |
 Relai | 1 | 1Relai charges a 1.00% service fee on transactions of €50 to €99,999.99, plus its own margin in the price. % | No feeRelai's wallet is non-custodial, so the bitcoin you buy is held in your own wallet. Relai covers the Bitcoin network fee when you buy; when you sell, the network fee is included in the price shown. | No | 7.5 /10 |
 Plus500 | 24 | 0Plus500 offers crypto as CFDs in the EEA. It charges no fee to open or close a trade and is paid mainly through the spread built into its quoted price. % | Not possiblePlus500 offers crypto as CFDs, so there are no coins to withdraw. | No | 7.5 /10 |
 WhiteBIT | 338 | 0.1 % | VariesWhiteBIT bases this fee on blockchain fees and the price of bitcoin, and it can change the fee without notice. On 2026-10-08 it listed 0.00009 BTC for a withdrawal on the Bitcoin network, about $7.48 at WhiteBIT's BTC price. | No | 7.4 /10 |
 Gate.io | 1464 | 0.1 % | VariesGate adjusts its withdrawal fees every hour based on network conditions. On 2026-10-04 its fee page showed 0.00003 BTC for a Bitcoin withdrawal, about $2.57 at Gate's BTC price. | No | 7.2 /10 |
 BitFlyer | 9 | 0.1bitFlyer USA entry tier for Lightning Spot; bitFlyer Europe also charges 0.10%. On bitFlyer USA, the Buy/Sell service has no separate fee, but its prices include a fee of 0.1% to 6.0%, and more when prices move sharply. % | ₿ 0.0004 | Yes | 7.1 /10 |
 Hotcoin | 285 | 0.2 % | ₿ 0.00003 | No | 7.1 /10 |
 bitcoin.de | 8 | 0.5 % | ₿ 0.000079 | No | 7 /10 |
 Gemini | 80 | 1.2 % | VariesGemini charges a dynamic fee meant to cover the Bitcoin network fee. Estimated network cost on 2026-10-03: about $0.36 (range $0.12 to $0.83 over the previous 24 hours, mempool.space). | Yes | 6.5 /10 |
 LBank | 885 | 0.1 % | ₿ 0.00005 | No | 6.3 /10 |
 Libertex | 102 | 0.1Libertex offers crypto only as CFDs. It charges a 0.1% commission on crypto CFDs, and the spread varies with the market. % | Not possibleLibertex offers crypto only as CFDs, so there are no coins to withdraw. | No | 6.1 /10 |
 Upbit | 360 | 0.05 % | ₿ 0.0002 | No | 6 /10 |
Trade Republic at a glance
- Operator: Trade Republic Bank GmbH, Berlin, Germany. Trade Republic was founded in 2015
- Supervision: BaFin and Deutsche Bundesbank, as a German full bank. Trade Republic Bank GmbH is also authorized under MiCA as a crypto-asset service provider
- Crypto assets: 50, held as real coins that you can send to your own wallet
- Crypto costs: €1 settlement fee per trade plus a spread in the price, with no maker and taker fees
- Smallest order: 1 euro. Trade Republic names no minimum investment amount
- Crypto withdrawals: Varies. Trade Republic charges no fee. You pay the network fee
- Crypto custody: Trade Republic Bank GmbH, with most coins in cold storage at BitGo Europe GmbH
- Cash: in trust accounts at partner banks, covered by their deposit protection up to 100,000 euros per customer, or in money market funds held separately
What Trade Republic offers
Trade Republic is a broker and a bank, not a crypto exchange. Trade Republic says it has more than 10 million customers across 18 European countries. Next to crypto, it offers 11,500 stocks and ETFs, more than 500 bonds and 420,000 derivatives, plus a Visa debit card, a current account and interest on cash, which is 2.5% in Germany.
On the cryptocurrency side, users can buy and sell 50 cryptos in the app as real coins. Since November 2025, it has been possible to send all 50 to an external wallet and receive them from one without any additional Trade Republic fee beyond the network fee. You can also stake SOL, ETH, DOT, and other coins for weekly rewards at no extra fee. However, staked coins cannot be sold while staked.
Crypto savings plans proceed without any execution fee. The Trade Republic Visa debit card also allows payments with crypto: the coins are sold at the time of payment. Trade Republic offers 2% Crypto Saveback on up to 1,500 euros of monthly card spending, provided that at least 50 euros are put into savings plans monthly.
Trade Republic offers no crypto derivatives; its derivatives are warrants and certificates on securities. Trade Republic launched a Web Terminal for active investors in July 2026, which it describes for stocks and derivatives, not crypto.
What Trade Republic costs: fee plus spread
Trade Republic has no maker and taker fees. It handles crypto orders as a commission agent and may also assume the opposing side of a trade. A €1 trade settlement fee applies per trade. On top, a spread is included in the displayed price. Our fee table places Trade Republic in the fee plus spread category for brokers.
If you want to purchase BTC using euros and later transfer it to your personal wallet:
- Fund your account via SEPA bank transfer from your own bank.
- Purchase BTC: a €1 settlement fee applies, plus a spread already factored into the confirmed price.
- Retain ownership of BTC: Trade Republic charges no custody fee.
- Transfer it to your own wallet: Trade Republic imposes no fee. Only the Bitcoin network fee is payable, varying with network traffic.
- Opt for a savings plan purchase: Trade Republic charges no execution fee.
The fixed fee's impact is more significant on smaller orders: €1 represents a full percent of a hundred-euro purchase and a tenth of a percent of a thousand-euro purchase. This makes savings plans a more economical option for small, regular investments.
In our view, the €1 fee is easy to understand, but Trade Republic does not publish the size of its crypto spread on its website, and the full price list is only in the app, so you cannot work out your full cost before you open it. That is why we rate Trade Republic's fees and costs low.
Security and regulation
Trade Republic Bank GmbH is a German full bank with a securities trading bank license obtained in December 2018 and a full banking license in December 2023. It is overseen by BaFin and the Deutsche Bundesbank. Since April 2025, BaFin has also authorized it under MiCA to provide crypto custody, execute and transmit crypto orders, and transfer crypto on behalf of clients, with these services notified for 29 more EEA states.
Your coins are stored in pooled omnibus wallets held by Trade Republic Bank GmbH, and personal private keys are not provided. Trade Republic indicates that most coins are stored in cold storage with BitGo Europe GmbH, a custodian authorized under MiCA. Cash is kept in trust accounts at partner banks like Deutsche Bank, J.P. Morgan, and Société Générale, where the banks' deposit protection covers up to 100,000 euros per customer, or in money market funds maintained in a separate custody account. Crypto and securities remain your property, not deposits, and are not covered by deposit protection.
You log in through the app on the one phone paired with your account, and logging in on the web needs that phone too; a new phone has to be paired first. Trade Republic publishes no proof of reserves that we could find, and it names no protection fund for crypto.
In our view, the regulatory side is strong: a German full bank with a MiCA authorization and a licensed custodian behind it. Under our How we rate policy, licenses are listed as facts but do not count toward the scores. On the protection you can see as a user, we rate Trade Republic low for the reasons in the two paragraphs above.
Where you can use Trade Republic
Trade Republic serves 18 European countries: Austria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, the Netherlands, Poland, Portugal, Slovakia, Slovenia, and Spain.
Trade Republic is not available in the US. Its customer agreement says US persons may not open an account, and its app is not listed in the US App Store. If you live in the US, our list of crypto exchanges for US customers and our Coinbase review are better starting points: Coinbase serves customers in all US states and lists 407 crypto assets.
Alternatives to Trade Republic
- For more coins and an order book: our Kraken review. Kraken lists 629 crypto assets, charges 0.40% maker and 0.80% taker fees on Kraken Pro at the entry tier.
- For a broad crypto selection from a European provider: our Bitpanda review. Bitpanda lists 568 crypto assets, holds a MiCA authorization from the FMA in Austria, and offers Bitpanda Fusion for order book trading.
- For crypto ETPs in a securities account: our Scalable Capital review. Scalable Capital provides 32 cryptos as ETPs, not as transferable coins.
FAQ
Is Trade Republic available in the US?
No. Trade Republic's customer agreement says US persons may not open an account. Our list of crypto exchanges for US customers shows providers that accept you.
Trade Republic vs Scalable Capital: which is better for crypto?
In our view, Trade Republic is the better choice if you want real coins: it offers 50 cryptos that you can send to your own wallet, for a €1 fee per trade plus spread. Scalable Capital offers 32 cryptos only as ETPs, at 0.99 euros per trade on its free plan plus a 0.99% spread surcharge, and suits investors who want crypto exposure inside a securities account.
Trade Republic vs eToro: which should you choose?
In our view, Trade Republic suits investors in its 18 European countries who want a bank account, savings plans and crypto in one app, while eToro offers a longer list of 150+ crypto assets and also serves most US states through eToro USA LLC. See our eToro vs Trade Republic comparison.
How we checked this review
We read Trade Republic's pricing and crypto pages, customer agreement, help center, imprint, fact sheet and press releases, looked up Trade Republic Bank GmbH and BitGo Europe GmbH in the registers of BaFin and ESMA, and read the app store listings. Every Trade Republic figure on this page comes from those sources.
About the author
Ethan Parker is Senior Content Editor at Exchange Flow. He has followed crypto since 2015, from Bitcoin and Ethereum to the exchanges people use to buy and trade them.
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