Debit card

Trade Republic Card (Virtual)

Cash back

VISA

Apply for Trade Republic Card (Virtual)

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Card review

Trade Republic Card (Virtual)

4.9 9.8/10 DebitCue Score Verified Jun 20, 2026

The free digital card that makes every purchase invest for you.

Fee: No fee
Foreign fee: None
Rewards: Cash back

Rewards

1% Saveback on eligible card spending (up to €1,500/month, capped at €15/month), automatically invested into a savings plan of your choice. Requires a minimum €50/month recurring savings plan to activate. Crypto-funded spending earns 2% Saveback (capped at €30/month). Round-up investing: transactions rounded to the nearest euro with the difference (multiplied 1×–10×) invested weekly.

Welcome offer

Refer-a-friend: new users receive a free stock (€10–€200) after completing onboarding; referrers receive €10 once conditions are met.

Our verdict

What stands out, and where it falls short.

What we like

1% Saveback on eligible card spending (up to €1,500/month,…
Welcome bonus
No card fee
No foreign transaction fees

Who It Is For

Whether the Trade Republic Card (Virtual) fits how you actually spend.

Pick it if you are

Anyone who wants a low-cost everyday card
Frequent travelers
People who want rewards on their spending

Rates and fees

As of June 20, 2026

All amounts shown in EUR.

Card fee: No fee
Foreign transaction fee: None
Issuance fee: €0 (free)
Monthly / annual fee: €0
Foreign transaction fee: 0% — Visa rate applied directly
Saveback (standard): 1% on eligible spend up to €1,500/month; max €15/month; requires €50/month savings plan
Saveback (crypto payments): 2% on eligible spend up to €1,500/month; max €30/month

Rewards and features

Rewards: 1% Saveback on eligible card spending (up to €1,500/month, capped at €15/month), automatically invested into a savings plan of your choice. Requires a minimum €50/month recurring savings plan to activate. Crypto-funded spending earns 2% Saveback (capped at €30/month). Round-up investing: transactions rounded to the nearest euro with the difference (multiplied 1×–10×) invested weekly.
Welcome offer: Refer-a-friend: new users receive a free stock (€10–€200) after completing onboarding; referrers receive €10 once conditions are met.
Pay with: Apple Pay, Google Pay, Contactless, Virtual card
Cash balance interest: 2% p.a. on uninvested cash (no cap)
Daily spending limit: €10,000

Benefits and perks

Extras that come bundled with the card.

No foreign transaction fees

Visa exchange rate applied directly with no mark-up.
Round-up investing

Spare change from every purchase is automatically invested in ETFs or stocks via the round-up feature.

Eligibility

What you need before you apply.

Availability: 27 EU countries including DE, AT, FR, ES, IT, NL, PL and more; German IBAN issued

Trade Republic Card (Virtual): your questions answered

Does the Trade Republic Card (Virtual) have a card fee?

No - the Trade Republic Card (Virtual) has no card fee.

What rewards does the Trade Republic Card (Virtual) earn?

The Trade Republic Card (Virtual) earns 1% Saveback on eligible card spending (up to €1,500/month, capped at €15/month), automatically invested into a savings plan of your choice. Requires a minimum €50/month recurring savings plan to activate. Crypto-funded spending earns 2% Saveback (capped at €30/month). Round-up investing: transactions rounded to the nearest euro with the difference (multiplied 1×–10×) invested weekly..

Does the Trade Republic Card (Virtual) charge foreign transaction fees?

No - the Trade Republic Card (Virtual) has no foreign transaction fees, so it suits spending abroad.

Does the Trade Republic Card (Virtual) have a welcome offer?

Yes - Refer-a-friend: new users receive a free stock (€10–€200) after completing onboarding; referrers receive €10 once conditions are met..

Is the Trade Republic Card (Virtual) a credit, debit or prepaid card?

The Trade Republic Card (Virtual) is a debit card issued by Trade Republic on the Visa network.

Does the Trade Republic Card (Virtual) support Apple Pay and Google Pay?

Yes - the Trade Republic Card (Virtual) works with both Apple Pay and Google Pay.

Where can I get the Trade Republic Card (Virtual)?

The Trade Republic Card (Virtual) is currently offered in Austria, Belgium, Bulgaria, Croatia, Cyprus, Czechia, Denmark, Estonia and 22 more.

How does DebitCue rate the Trade Republic Card (Virtual)?

DebitCue rates the Trade Republic Card (Virtual) 4.9 out of 5 (9.8/10), scored on the same factors as every card - fees, rewards, perks and ease of use.

How do I apply for the Trade Republic Card (Virtual)?

Use the Apply now button to continue on Trade Republic's secure site. Comparing and applying through DebitCue is free.