Trade Republic Crypto promo & referral 2026
Trade Republic is the German BaFin-licensed neobroker that secured a full German banking licence in 2023 and integrated crypto alongside stocks, ETFs and bonds. The 2026 referral pays new users €15 in equities, with 50+ cryptocurrencies tradeable inside the same deposit-insured Trade Republic account.
Trade Republic Crypto — banking-grade neobroker with crypto added
Trade Republic launched as a commission-free stock and ETF broker in Germany and built one of the cleanest multi-asset retail experiences in EU fintech. After securing a full German banking licence under BaFin in 2023, the platform now combines a current account, securities brokerage and crypto trading in a single deposit-insured wrapper. The 2026 product supports 50+ crypto assets at a flat €1 commission per trade — materially cheaper than Revolut's 1.49–2.49% spread or N26's 1–1.5% fee.
Activation flow
Download Trade Republic on iOS or Android. Complete the bank-grade KYC (passport, German tax ID for German users, EU equivalent for others). Fund via SEPA or instant bank transfer. The €15 free-equity referral applies after the invitee completes a first trade or savings plan setup. Crypto trading is enabled automatically once KYC clears. The 4% APR on uninvested EUR cash (up to €50,000) is a structural advantage versus most EU brokers.
Why €1 flat fee matters
Most EU bank-fintech crypto products charge 1–2.5% on every crypto buy/sell. Trade Republic charges €1 per trade regardless of size. On a €1,000 BTC purchase, that's a 0.1% effective fee — competitive with Kraken Pro and CEX.IO. On a €100 buy it's 1% effective — still better than Revolut's 1.49% and N26's 1.5%. For DCA users, the flat commission is materially more economic at meaningful position sizes.
Pros and cons
✅ Strengths
- Full German BaFin bank licence with €100k EU deposit protection.
- €1 flat commission per crypto trade — best-in-class among EU bank-fintechs.
- 4% APR on uninvested EUR cash (up to €50,000).
- Crypto, stocks, ETFs and bonds in one app with integrated tax reporting.
⚠️ Weaknesses
- 50+ crypto assets — narrower than dedicated venues.
- No self-custody withdrawals as of 2026.
- €15 referral is paid in equities, not crypto.
- Not available outside selected EU markets (DE, AT, FR, ES, IT, NL, BE, IE and more).
Trade Republic vs Revolut vs N26
| Metric | Trade Republic | Revolut | N26 |
|---|---|---|---|
| Welcome bonus | €15 equity | £20/€20 | €15 |
| Crypto fee | €1 flat per trade | 1.49–2.49% (Crypto) / 0–0.09% (X) | 1–1.5% |
| Banking licence | BaFin (DE) | UK PRA + EU | BaFin (DE) |
| Cash APR | 4% on EUR (up to €50k) | Various tiers | Lower |
| Best for | EU DCA buyers wanting low flat fees | UK+EU crypto-curious + Revolut X traders | EU banking + crypto-curious |
Editor's personal take
Trade Republic Crypto is one of the most underrated EU bank-fintech crypto products. The €1 flat commission is genuinely competitive at meaningful trade sizes, the 4% APR on idle cash is best-in-class, and the BaFin banking licence is a serious regulatory anchor. The trade-offs (no self-custody, narrower asset list) are typical bank-fintech compromises. For EU users who want a primary banking account that also handles ETFs, stocks and a small crypto allocation cleanly, this is the strongest single-app product in the German-speaking market.
FAQ
Is Trade Republic the same as a German bank?
Yes since 2023. Trade Republic Bank GmbH holds a full BaFin banking licence; EUR cash deposits are insured up to €100,000 under the German Deposit Protection Scheme.
Can I withdraw crypto from Trade Republic?
Not as of 2026. The crypto product is custodial-only. For self-custody, use a partner exchange or transfer EUR out and buy via Bitstamp, CEX.IO or Bitpanda.
Does Trade Republic support savings plans for crypto?
Yes. The platform's signature "Sparplan" (savings plan) feature works on crypto as well as ETFs and individual stocks. Minimum €1 per plan with weekly/biweekly/monthly intervals.