How expensive is Trade Republic? (Image: Cedrik Wesche, Unsplash)
Trade Republic is considered one of the cheapest neobrokers in Germany and attracts with low order fees and free ETF and stock savings plans. But what does the cost structure really look like?
In this article we analyze the fees for stocks, ETFs and savings plans and show you whether Trade Republic actually keeps what it promises – or whether hidden costs are lurking.
Cost for deposit management and account management at Trade Republic
Trade Republic remains true to his line: the custody guide is still completely free, as is the clearing account that is handled via the Solarisbank.
There are no hidden basic fees or minimum amounts so that investors can invest without ongoing fixed costs. Includes and withdrawals are also free of charge as long as you are using standard methods such as transfer or direct debit. The only exception: Anyone who carries out instant transactions via Apple Pay or Google Pay under € 1,000 pays a fee of 0.7 %.
| Custodian | 0 € (free) |
| Clearing account | 0 € (free of charge, led by Solarisbank) |
| Deposits | Free of charge by bank transfer or direct debit |
| Immediate deposits (Apple/Google Pay <1,000 €) | 0.7 % fee |
| Payouts | Free by bank transfer |
| Interest on credit | 2.75 % PA (from € 10 credit, interest rate can vary) |
| Depot transfer (to another bank) | 0 € (free) |
| Depot transfer (from another bank using a paper form) | 15 € |
| General assembly participation | 25 € administration fee per event |
| Tax certificate (annually) | 0 € (free) |
| Additional tax notices on request | 25 € per document |
The interest on uninvested credit is particularly attractive.
Trade Republic currently offers 2.75 % interest per year as long as there are at least € 10 in the clearing account. This interest rate is not fixed and could increase in the future – for many investors an additional incentive to leave money in the account, even if it is not invested.
Trade fees for stocks, ETFs and cryptocurrencies at Trade Republic
Who at Trade Republic deals with stocks, ETFs or cryptocurrencies benefits from a simple and transparent fee structure.
There are no complicated commission models or hidden costs – instead the broker relies on one Flat fairy of € 1 per trade. This makes the platform particularly attractive for investors who want to invest inexpensively.
Crypto trading remains somewhat more expensive with the 0.9 %fee, but is still cheaper than with many specialized crypto exchanges. Anyone investing in US shares should observe the higher fees for foreign stock exchanges.
| Type of securities | Fees |
|---|---|
| Shares & ETFs (traded) | 1 € per trade (regardless of the volume) |
| Bonds | 1 € per trade |
| Cryptocurrencies | 1 € basic fee + 0.9 % of the order volume (at least 2 € for trades below € 500) |
| Derivatives (e.g. option certificates, knockouts) | 1 € + 0.02 € per contract |
| Foreign exchanges (e.g. Nyse, Nasdaq) | 15 € Fixed fee + 0.15 % stock exchange fee |
| Savings plan versions (stocks & ETFs) | 0 € (completely free of charge) |
| Option certificate savings plans (from Q2 2025) | 0 € (from € 25 savings rate) |
Costs for ETF and fund savings plans at Trade Republic
Anyone who regularly invests in ETFs or stocks will find a Extremely favorable savings plan solution.
The 0 € fees In the case of ETFs and stocks, it enables assets even with small amounts without unnecessary costs. Only in the case of actively managed funds and crypto savings plans are there fees that should be kept in view.
| ETF savings plans | 0 € (no fees on over 3,800 ETFs) |
| Stock savings plans | 0 € (no fees for individual shares) |
| Fund savings plans | 0.5 % output surcharge (only in the event of actively managed funds) |
| Crypto savings plans | 1 € + 0.9 % of the order volume |
| Option certificate savings plans (from Q2 2025) | 0 € (from 25 € savings rate) |
- Wide selection: Over 3,800 free ETF and stock savings plans.
- flexibility: Savings rates From 1 € possible, increase or reduction at any time without fees.
- Free execution: ETFs and stocks become completely free of chargea clear advantage over many classic banks.
- Fund savings plans with costs: If you want to invest in actively managed funds, you pay one Output premium of 0.5 %.
- New savings plan options from 2025: From the second quarter it will also be free savings plans for Option notes give – an exciting innovation for active investors.
Additional costs at Trade Republic: Börsenplatz Fee, Fillers and Cards
In addition to the cheap 1- € flat rate for securities trading Trade Republic Further costs that investors should take into account. This includes fees for international stock exchanges, foreign currency bills and transaction costs for cryptocurrencies. If you look closely, you can optimize your fees and get more out of your investments.
Börsenplatz fees: trade inside and outside of Germany
Trade Republic only enables securities trading through the Lang & Schwarz Exchange. As a result, there are no additional stock exchange fees in Germany-they are already included in the € 1 flat rate. The situation is different with trade US exchanges out of:
| Stock exchange | Cost per order | Additional fees |
|---|---|---|
| Lang & Schwarz (DE) | 1 € flat rate | No |
| US exchanges (NYSE, NASDAQ) | 15 € fixed costs + 0.02 % stock exchange fee | At least $ 8 |
That means: an order over 5,000 € on the NYSE Cost 15 € basic fee plus € 1 stock exchange fee. So overall 16 € per order.
Foreign currency fees: currency bills cost extra
Trade Republic raises one Foreign currency feewhen investors act international securities outside the euro zone.
| currency | Conversion surcharge |
|---|---|
| USD, GBP, CHF | 0.25 % on the exchange rate |
| Exotic currencies (JPY, NOK, SEK) | Up to 0.5 % |
Example: when buying a US share worth € 10,000 Case 0.25 % currency premium. That means additional € 25 fees.
Further additional costs at Trade Republic
In addition to the trading fees, there are some additional costs that users should know:
| Performance | Cost |
|---|---|
| Participation in general meetings | 25 € administration fee |
| Depot transfer (starting) | For free |
| Depot transfer (detailed, paper form) | 15 € processing fee |
| Postal orders | 25 € per order |
Straight General meetings or postal orders can be expensive. Anyone who transfers their depot to Trade Republic should prefer the digital transmissionto save the € 15 processing fee.
Trade Republic offers one Clear and cheap fee structure With 1- € flat rates for stocks and ETFs as well as free savings plans. The greatest additional costs Create from the trade in foreign exchanges, foreign currency surcharges and cryptocurrency spreads. Anyone who tapes their trading behavior on this can be the platform Use almost free of charge.
Conclusion: Is Trade Republic worth for investors?
Trade Republic remains one of the most cost -effective options for private investors in German -speaking countries in 2025.
The fee model is extremely attractive, especially for those who regularly use savings plans or invest with smaller amounts in stocks and ETFs. With the 1-€ flat rate per trade and the free ETF and stock savings plans, high costs can be saved in the long term.
If you like to act on US exchanges, you should take into account the € 15-fix costs per order-other brokers are often cheaper here. The crypto handle is also relatively expensive with 1-2 % spread compared to specialized crypto bonds.
Another plus is the interest rate on unused credit (2.75 % PA), which offers Trade Republic in combination with its free Visa debit card. If you actively use the offer, you can even benefit from cashback effects.
Who is Trade Republic worthwhile for?
- Perfect for ETF and stock saverswho want to build up assets in the long term with regular deposits.
- Ideal for small investorswho have low order volume and do not often act on foreign stock exchanges.
- Cheap for casual tradersthat prefer simple structures and want to benefit from low transaction costs.
Who is Trade Republic less suitable for?
- Not optimal for multi -tradersthat often on International stock exchanges Or want to trade with lever products – there are better alternatives here.
- Expensive for crypto investorsbecause the Spreads higher than are with specialized crypta borns.
- Less flexibility in trading placesthere Lang & Schwarz Exchange is the only provider.