N26 Smart
No rewards
N26 Smart
N26 - Mastercard - Debit card
3.7
3.7 out of 5
7.4/10
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Head-to-head
N26 Smart vs Trade Republic Card Classic
Compare N26 Smart and Trade Republic Card Classic side by side: fees, rewards, APR, and perks.
Last verified
Trade Republic Card Classic
Cash back
Trade Republic Card Classic
Trade Republic - Visa - Debit card
4.8
4.8 out of 5
9.6/10
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Compared side by side
Cells with a check mark are the stronger value in that row. Ties stay unmarked.
| Feature | N26 Smart | Trade Republic Card Classic |
|---|---|---|
| Card fee | €4.9 EUR/mo (≈ $5) | No fee |
| Purchase APR (from) | - | - |
| Interest-free period | - | - |
| Foreign transaction fee | 0% | 0% |
| Rewards | - | 1% Saveback on eligible card spending (up to €1,500/month, capped at €15/month), automatically invested into a savings plan. Requires a minimum €50/month recurring savings plan to activate. Crypto-funded spending earns 2% Saveback (capped at €30/month). Round-up investing feature included. |
| Installments | - | - |
| No card fee | - | |
| No foreign transaction fee | ||
| Welcome bonus | - | |
| Airport lounge access | - | - |
| Travel insurance | - | - |
| Apple Pay / Google Pay |
Which is right for you
Pick by how you spend
- Choose the N26 Smart if its checked rows above line up with how you spend most.
- Choose the Trade Republic Card Classic if it wins on the features that matter most to you.
- Still unsure? Read each full review below, then apply on the issuer's secure site.
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