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PRODUCT
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Crypto cards

Trade Republic Card

Visa card from the Trade Republic full bank: virtual, classic or mirror, no monthly card costs, 1% saveback in a recurring investment plan - according to press facts June 2026.

VisaCustodialDE/ATVirtual · Classic · Mirror

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Status: 07.09.2026

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Trade Republic Card ↔ Bitpanda Visa CardIn comparison

At a glance

Net
Visa
Card type
Debit
Custody
Custodial

program

Card features

Trade Republic Card

Visa debit

NetNetwork: Visa or Mastercard. “Both” in research meets the Visa or Mastercard filter.
Visa
Card typeCard type: Debit debits credit/account. Prepaid is loaded beforehand. Mixed = Debit and Credit variants in one SKU line.
Debit
CustodyCustody: Custodial = credit on the provider account. Non-custodial = card on a wallet, not on the exchange account.
Custodial
DE / AT / CHGermany, Austria and Switzerland: Documented edition in DE, AT or CH. Unknown policy is not a filter option.
DE/AT
Apple/Google PayApple/Google Pay: Hard Research Line. A help text “2025 is coming” does not count as yes.
✓
FXFX: Provider's surcharge when paying in foreign currency, plus target currency if used. Spread when changing assets is not 0-%-FX. Visa rate = network rate without extra markup.
Visa course
Withdraw moneyWithdrawing money (ATM): Fees and limits for cash at ATMs. “Unknown” / — is not a free acceptance.
free from EUR 100; otherwise EUR 1
CapCap: Upper limit or scale of this SKU (month, AI band, flight). No cap in the cell does not mean “unlimited” if the policy is unknown.
EUR 15 Cash · EUR 30 Crypto
SavebackSaveback: Rate of this SKU — not the marketing cap. One number per column for sorting to work.
1% Cash · 2% Crypto
Cash outCashout: In which asset the saveback refund arrives - e.g. E.g. same spend crypto, USDC, BTC, CRO or recurring investment plan. Not automatically Euro/Fiat.
Recurring buys
Card costsCard Cost: Issue or subscribe to this SKU. Month × 12 = Year. EUR 0 only with an officially free edition - “no subscription” is not a 0. Mandatory lock or hold (CRO, XPL, WPAY) is in the cell with the amount - this is not a sorting price. Tickers lead to CoinMarketCap.
no subscription
View sources: Card features

Overview

Editorial assessment

The Trade Republic Card is the Visa debit crypto card from the Trade Republic full bank for DE/AT - virtual, classic or mirror in the same program. Custodial: Funds are held by the bank, not in a self-custody wallet. According to press facts June 2026 no monthly card costs. Saveback flows into a recurring investment plan, not directly into the wallet as crypto. Edition only DE/AT - no CH in the characteristics. This distinguishes the program from Germany, Austria and Switzerland full coverage of other cards.

FX runs at the Visa rate with no documented markup. Saveback: 1% Cash and 2% Crypto in the features, with caps EUR 15 Cash and EUR 30 Crypto per month — caps limit the everyday use of the rate. Apple Pay and Google Pay are occupied; ATM free from EUR 100, otherwise EUR 1. Cashout target is recurring investment plan, not exchange credit. Card type variants sit under one program, not as separate token-locked VIP or hold tiers.

Bundled in the TR broker account - anyone who already uses Trade Republic gets the card in the same ecosystem without a separate exchange product. Bank custody and recurring investment plan path are the core of the classification; Self-custody and exchange cashout are other models.

In Direct comparison Bitpanda Visa Card vs Trade Republic Card Saveback, FX and custody of the entry levels are in direct comparison - without ranking.

If you want an exchange saveback in crypto without a bank account link, compare them Bitpanda Visa Card in the euro area with 1% only crypto. Card type variants and caps are in the tier table — effectively a column with subtypes virtual, classic and mirror.

Compare alternatives

02

Pros

  • No monthly card costs according to Facts & Figures
  • 1% Saveback on card payments in a recurring investment plan
  • Virtual, Classic and Mirror map in the same program

Cons

  • Custodial – balance at the bank, not in your own wallet
  • Saveback cap EUR 15 Cash · EUR 30 Crypto in the features
  • DE/AT only — no CH in the characteristics
03

Suitable for whom?

  • If you want to get by without a monthly card subscription (no subscription - this is not a documented € 0 expenditure).
  • If saveback is important to you (1% Cash · 2% Crypto).
  • Recorded country scope: Germany and Austria (DE/AT). This is separate from spending abroad.
  • If you are looking for a low FX premium (Visa rate).

Who is it not for?

  • If you want to hold keys yourself - custody is custodial.
  • If you expect unlimited saveback — Cap: EUR 15 Cash · EUR 30 Crypto.

Guides

Sources & notes

Review details5 Sources · Methodology

You can also find the sources for individual information directly in the respective characteristics area.

  1. Trade Republic CardTrade Republic · retrieved 2026-09-07
  2. Trade Republic SavebackTrade Republic · retrieved 2026-08-15
  3. Trade Republic FXTrade Republic · retrieved 2026-08-15
  4. Trade Republic ATM feesTrade Republic · retrieved 2026-08-15
  5. Trade Republic Apple/Google PayTrade Republic · retrieved 2026-08-15

For the complete methodology