What does Trade Republic cost?

On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Trade Republic works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.

Is Trade Republic safe?

It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the German EdB: 90% up to €20,000 (securities shortfalls; segregation first). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.

The broker guide

Trade Republic.

What Trade Republic really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What Trade Republic costs, on the example

The bill this year

€0

Twenty years of it

≈ €0

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

Available in18 countries, on its published list
The monthly buy€0 · savings plan
Recurring€0/yr
Conversion— · euro funds only
Savings planautomatic · fractions
ProtectionGerman EdB: 90% up to €20,000 (securities shortfalls; segregation first)
The cashCash is distributed among partner banks (Deutsche Bank, J.P. Morgan, HSBC among them): €100,000 guarantee per bank; amounts beyond that can sit in liquidity funds, where no deposit guarantee applies.
Does your taxes inGermany, Italy, Spain
The exitOutbound in-kind transfers supported (the receiving broker's form starts it); no fee published. Ask before you fund.

The honest note

A German bank inside an app, and the smoothest version of this site's pattern where it operates: savings plans execute free, fractions from a euro, and idle cash earns the central bank's rate. In its biggest markets it also does the tax paperwork natively — the rare app where April doesn't arrive with homework. The caveats: euro-only, app-first, and its whole execution model was rebuilt days after the PFOF ban. Manual orders now carry a small settlement fee, and the repricing may not be finished. Available in seventeen-ish countries; the list moves.

the fine print

Who you deal with

Trade Republic Bank GmbH, Berlin: German bank, BaFin + Deutsche Bundesbank

The route

Savings plan: free execution (a €1 settlement fee applies when you sell); manual orders €1 best-price / €2 on a chosen exchange, since July 2026.

The plan

The core product: free savings plans from €1, fractional; change, pause or cancel free.

The cash

Cash is distributed among partner banks (Deutsche Bank, J.P. Morgan, HSBC among them): €100,000 guarantee per bank; amounts beyond that can sit in liquidity funds, where no deposit guarantee applies.

The taxes

Withholds natively in Germany, Italy and Spain; France gets the fee-free PEA; elsewhere you file from its annual report.

The exit

Outbound in-kind transfers supported (the receiving broker's form starts it); no fee published. Ask before you fund.

Where it operates

It advertises accounts in these countries, on its published list:

all 18 countries

Austria
Belgium
Germany
Estonia
Spain
Finland
France
Greece
Ireland
Italy
Lithuania
Luxembourg
Latvia
Netherlands
Poland
Portugal
Slovenia
Slovakia

Tax-sheltered accounts it documents: PEA (France).

Compare Trade Republic head to head

The same bill and the same facts, next to another broker:

Compare any two, side by side

First broker

Second broker

Compare

Sources: check it yourself

Keep it honest

Know a figure here that's wrong or out of date? Point me to the line and a source. Every correction gets checked before the next refresh. That's how this page stays right.

Report a correction

Common questions

What does Trade Republic cost?: On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Trade Republic works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is Trade Republic safe?: It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the German EdB: 90% up to €20,000 (securities shortfalls; segregation first). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
Does Trade Republic do my tax paperwork?: Partly. Withholds natively in Germany, Italy and Spain; France gets the fee-free PEA; elsewhere you file from its annual report. Rare on this list: most of the nine leave the filing entirely to you.
Can I set up automatic monthly investing with Trade Republic?: Yes. The core product: free savings plans from €1, fractional; change, pause or cancel free.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

Bring me a challenge.

The Exit Audit, then ninety minutes: a straight verdict, real alternatives with their pros and cons, and your first move. If you want someone to nod along, I’m the wrong person to pay.

Book a session →

How the sessions work

Ninety minutes, online, €600. The Exit Audit included.