Trade Republic Crypto Review 2027: Fees, Coins and Regulation

The company was started in Munich by Christian Hecker, Thomas Pischke and Marco Cancellieri and later moved its headquarters to Berlin. Large funding rounds from international investors financed its growth across Europe.

Its model is plain: a flat €1 charge per trade, free savings plans, interest on cash and a debit card. The bank licence, granted at the end of 2023, lets it hold customer deposits itself.

About 50 coins can be bought, including:

• Bitcoin, ether, solana and XRP
• Cardano, polkadot, chainlink, avalanche and dogecoin
• A selection of other large and mid-sized assets

These are real coins held in custody for you. The minimum order is one euro.

Each crypto order costs €1 for settlement, plus a spread between the buy and sell price.

The euro is clear. The spread is less visible. It is set by the trading partner that provides prices, and it varies with the coin and with market conditions. In calm markets on bitcoin it is small. In fast markets, or on less liquid coins, it widens.

Crypto can be bought and sold with market orders. There are no limit orders, stop orders or other conditional types for coins.

That has a practical consequence. You accept the quoted price at the moment you confirm, including whatever the spread happens to be. Before pressing the button on a large order, look at the buy and sell prices side by side. If the gap looks unusually wide, wait.

Since November 2025, customers have been able to transfer supported coins to external wallets and receive coins from outside. Before that date, crypto bought in the app could only be sold there.

The change matters. It turns a closed product into one where you can choose self-custody. Transfers involve address verification and network fees, and not every coin may be supported for transfers, so check the list in the app.

Staking is offered on ether and solana. You opt in, the coins are staked through the custodian and rewards are credited regularly after a commission. Unstaking can take time, depending on the network's own rules, and during that period the coins cannot be sold.

The app is available across much of the eurozone, including Germany, France, Italy, Spain, the Netherlands and Austria. It is not open to residents of the United Kingdom or the United States.

There is no margin trading for crypto. The app does offer leveraged derivatives on other underlyings, issued by partner banks, but spot coins are bought in full. For a savings-oriented audience that is appropriate.

The interface is famously minimal: a search bar, a price line, a buy button. Portfolio views show performance over time, and price alerts are available. There is a web version for larger screens.

Simplicity has a cost. Charts are basic, there is no order book and no technical indicators worth the name. This is an app for accumulating, not for analysing.

Uninvested cash earns interest at a rate linked to the European Central Bank's deposit rate, up to a ceiling. A debit card offers a small percentage back on spending, paid into a savings plan of your choice, which can be a crypto plan. Small amounts trickling into bitcoin from everyday purchases is a neat idea for those who like automation.

For German residents the app handles withholding tax on securities automatically. Crypto is treated differently under German law, where gains on coins held for more than one year are generally tax-free for private individuals. The app provides transaction records; holding periods are your responsibility, and transferring coins in from elsewhere complicates the record.

Rapid growth has strained customer support at times. German consumer groups and the financial regulator have received complaints about slow responses and about delays in transferring securities portfolios. The company has added staff and a phone option for some matters. If quick human help is essential to you, factor this in.

Sign-up takes about ten minutes with a video identification. A reference account at another bank is linked for deposits and withdrawals. Deposits by transfer are free; card and wallet top-ups can carry a fee above a free allowance.

The app shows a buy price and a sell price before you confirm. On a quiet weekday afternoon the two are close together for bitcoin. Late at night, at weekends or during a sharp sell-off, the distance between them grows, and on smaller coins it can exceed one percent. Because only market orders exist, patience is the one tool you have: placing larger orders during busy European hours usually gets a better price.

Bitpanda offers more than ten times as many coins and an advanced trading venue, at a higher price in its simple app. Other German neobrokers offer crypto mainly through exchange-traded products. Trade Republic's niche is real coins with savings plans inside a bank account, kept as simple as possible.

It suits you if you:

• Live in the eurozone and already save into ETFs with the app.
• Want automatic monthly crypto purchases at minimal cost.
• Value a bank licence and now the option to withdraw coins.

It does not suit active traders, anyone who needs limit orders, or people who expect fast phone support.