Trade Republic Reviews Austria 2026
Berlin neobroker with a German full-bank licence. Crypto since 2022 as an add-on to stocks & ETFs — flat €1 per trade and with an Austrian tax report.
Berlin neobroker with a German full-bank licence. Crypto since 2022 as an add-on to stocks & ETFs — flat €1 per trade and with an Austrian tax report.
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Berlin, Germany · founded 2015
What is Trade Republic?
Trade Republic is a German neobroker with a full BaFin banking licence. Originally launched with commission-free stocks & ETFs, since 2022 it also offers crypto — currently around 50 coins.
The platform targets investors who want stocks, ETFs, bonds and crypto in one app. Crypto is held in custody — a self-custody transfer to your own wallet is not possible.
Pros and cons
- BaFin full banking licence
- Flat €1 per trade
- Crypto + stocks + ETFs in one app
- Free savings plans (also on crypto)
- Tax report for Austria available
- Deposit insurance up to €100,000 on cash
- No wallet transfer — crypto is held in custody only
- Limited coin selection (~50)
- No staking, no lending, no real crypto features
- Spread on crypto trades on top of the €1 fee
What can I do at Trade Republic?
Trade Republic is primarily a stock and ETF broker with a German BaFin licence. Crypto is offered as an additional asset — cheap (€1 per trade), but without classic crypto features such as staking or on-chain withdrawal.
| Service | Available? | Details |
|---|---|---|
| Crypto buy/sell | Yes | €1 third-party fee flat per trade · ~50 coins |
| Crypto savings plan | Yes | From €10/month · free savings plans |
| Stocks, ETFs, bonds | Yes | Main offering · 9,000+ stocks & ETFs |
| Trade Republic Card | Yes | 1% Saveback into savings plan, free |
| Staking | No | Not offered |
| Margin / futures (crypto) | No | Not offered |
Current numbers
- Crypto coins
- ~50
- Min. savings plan
- €10/month
- Crypto trade fee
- €1 (third-party)
- Licence
- BaFin (DE)
Note: Offering and terms may change. Staking APYs are indicative figures (as of 2026) and fluctuate with the market. Only the provider's own data is binding.
Fees
Trade Republic charges €1 flat per trade — whether stock, ETF or crypto. Savings plans are completely free.
On crypto trades there's an additional spread of typically 1–2% on top of the market price. That's cheaper than Bitpanda standard but more expensive than spot trading on Kraken or Bybit.
Tip: If you regularly invest small amounts, the free savings plan is your best bet — the €1 fee only applies to one-off purchases.
Security
Trade Republic is a German full bank supervised by BaFin. Cash is protected by the German deposit-insurance scheme up to €100,000.
Crypto is held by an institutional custodian (Bitpanda Custody / Bankhaus Scheich) — not directly at Trade Republic. App-based 2FA is standard.
Important: Deposit insurance covers cash only, not crypto. Crypto holdings are segregated as client assets but there is no state guarantee in the event of custodian insolvency.
Taxes in Austria
On request Trade Republic withholds 27.5% KESt automatically for Austrian clients and remits it to the Austrian tax office. Requirement: correct tax residency stated during onboarding.
An annual tax report is generated automatically and can be used in FinanzOnline. Note: crypto-to-crypto swaps are not possible at Trade Republic anyway — many edge cases simply don't apply.
Who is Trade Republic for?
- Stock investors who want crypto as an add-on
- Savings-plan investors who want free DCA
- Pragmatists happy with one app for all asset classes
- Not ideal for self-custody fans and active crypto traders
Trade Republic: 8.1/10
Trade Republic is <strong>not a crypto specialist</strong> — it's a neobroker that also offers crypto. For investors who already hold stocks there, the crypto add-on is convenient and tax-clean. Anyone serious about crypto needs a real exchange and their own wallet on top.
Trade Republic is not a crypto specialist — it's a neobroker that also offers crypto. For investors who already hold stocks there, the crypto add-on is convenient and tax-clean. Anyone serious about crypto needs a real exchange and their own wallet on top.
Note: Some links on this page are affiliate links. If you sign up through them, we may earn a commission — at no extra cost to you. Funding is transparently disclosed. Editorial coverage is independent of individual sign-ups. Learn more
All content is for informational purposes only and does not constitute investment advice. Disclaimer & liability