Trade Republic is a German mobile-first broker with €0 order commission and €1 external cost per trade, fractional shares, and crypto. Used for savings plans and simple investing.
- €0 order commission, €1 external cost per trade
- Fractional shares available
- Variable cash interest
- Savings plans with no execution fees
- Mobile-first (limited web features)
- Single exchange only
- Limited order types
Fees & costs
- Min. deposit
- €1
- Trading
- €0 order commission + €1 external cost per trade (stocks, ETFs; excl. savings plans); spreads and third-party costs may apply
- Stock fee
- €0 commission + €1 external cost
- Spread
- N/A (€1 externe kosten per transactie; spreads en kosten van derden kunnen van toepassing zijn)
- Deposits
- €0 via SEPA bank transfer; ~1% fee for Apple Pay, Google Pay, credit card
- Withdrawals
- €0
- Inactivity
- None
Platforms & features
Who this fits best
Note: mobile-first (limited web features).
How to use in practice
Mobile-First Investing
Manage your entire investment portfolio through Trade Republic's streamlined mobile app, perfect for investors who prefer smartphone-based trading.
Set up a €100 monthly savings plan in MSCI World ETF from your phone during your commute, with automatic execution and portfolio tracking.
Earning Interest on Cash
Use Trade Republic's variable interest on uninvested EUR (3% per year) while waiting for investment opportunities.
Park cash in your Trade Republic account and earn variable interest while researching which stocks to buy.
Building a Diversified Portfolio with Fractional Shares
Invest in high-priced stocks like Amazon or Google from just €1 using fractional shares, enabling true diversification regardless of capital.
Create a balanced portfolio containing 10 different stocks, investing €50 per month in each, regardless of their individual share prices.
Tips for beginners
- 01
Consider savings plans
Trade Republic charges no execution fees on savings plans for ETFs and stocks. Set these up first before making individual trades to build your core portfolio; product costs and spreads may still apply.
- 02
Understand LS Exchange pricing
Trade Republic uses LS Exchange, which may have slightly wider spreads than major exchanges like XETRA. Check prices during market hours for the most accurate quotes.
- 03
Use the cash interest strategically
Deposit funds early and let them earn interest while you research investments. This makes Trade Republic attractive even when you're not actively trading.
- 04
Start with broadly diversified ETFs
For beginners, start with a global ETF like MSCI World to gain broad market exposure. Use fractional shares to add individual stocks as you learn.
Account opening steps
- 1.
Download App
Download the Trade Republic app from App Store or Google Play
- 2.
Register
Enter your email, phone number, and personal details
- 3.
Video Identification
Complete video ID verification through the app
- 4.
Fund Account
Deposit via bank transfer, Apple Pay, or Google Pay
- 5.
Start Investing
Buy stocks, ETFs, or crypto with just €1
Extended guide
Complete Guide to Investing with Trade Republic
Getting Started
Opening a Trade Republic account is designed to be quick and mobile-first. Download the app from your app store, enter your personal details, and complete video identification. Most users are verified within hours and can start investing the same day.
Fund your account through SEPA bank transfer, Apple Pay, or Google Pay. Once funds arrive, they immediately start earning variable interest (3% per year) until you invest them.
Key Features
Savings Plans: A key feature of Trade Republic is its savings plan feature. Set up automated monthly investments in stocks or ETFs with no execution fee. Choose your amount, frequency, and investment target, and Trade Republic handles the rest.
Fractional Shares: Invest in any stock from just €1. This democratizes access to expensive shares like Amazon, Google, or Berkshire Hathaway, allowing anyone to build a diversified portfolio.
Cash Interest: Trade Republic pays variable interest (3% per year) on uninvested EUR. This makes it attractive to hold cash on the platform while researching investment opportunities.
Crypto Trading: Trade 50+ cryptocurrencies alongside stocks and ETFs, all within the same app; check the current price list for crypto costs.
Understanding the Costs
The fee structure is straightforward: €0 order commission and €1 external cost per trade for stocks and ETFs. Savings plans have no execution fees. There are no custody fees and no inactivity fees. Spreads and third-party costs may apply. Currency conversion for non-EUR stocks happens automatically at interbank rates.
Tips for Success
Use the platform by combining savings plans with the cash interest. Set up your core ETF savings plans, keep a cash reserve earning interest, and use individual trades sparingly for specific opportunities. The mobile-first design means you can manage everything from your phone, but don't let easy access lead to overtrading.
Kerncijfers met bron
- Klanten (EU)
- 8+ miljoen klantenTrade Republic publiek bekende groei 2024-12-31
- Transactiekosten
- €0 orderprovisie + €1 externe kosten per transactie (aandelen, ETF)Trade Republic prijslijst / support 2026-10-10
- Spaarplannen
- Geen uitvoeringskosten voor ETF- en aandelenspaarplannen (10 tot 10.000 euro per uitvoering)Trade Republic prijslijst (DE, v04.2023) 2026-10-10
- Rente op cash
- 3% per jaar over je saldo (voorwaarden en maximum: zie traderepublic.com/nl-nl/rente)traderepublic.com/nl-nl/rente 2026-10-10
- Regulering
- BaFin + Deutsche Bundesbank (DE)BaFin register 2026-04
Editorial review
Trade Republic has grown to 8+ million European clients by 2024, offering a simple model: €0 order commission and €1 external cost per trade, ETF savings plans with no execution fees, and variable cash interest (3% per year; see traderepublic.com/nl-nl/rente for conditions).
Suited to mobile-first investors wanting ETF savings plans and basic stock/crypto trading. The cash interest is variable (3% per year). Savings plans have no execution fees; product costs and spreads may still apply.
Limitations: trades only through LS Exchange (not major exchanges), limited advanced order types, small crypto selection (50+), basic web interface.
For multi-exchange access, compare DEGIRO. For active trading, compare Interactive Brokers or Saxo. Investing carries risk of capital loss.