Trade Republic: the checking account that combines savings and investment
The Trade Republic checking account integrates traditional banking features with immediate access to the world of investments.
Here are some features
Interest on deposited liquidity
One of the biggest advantages of the Trade Republic account is the remuneration of liquidity, directly aligned with ECB rates.
As of April 2025, the account offers an annual interest rate of 2.5%, credited monthly and with no amount limits.
The debit card with reinvested cashback
The Trade Republic Visa card is not just a means of payment; it is a tool for automatically investing.
Thanks to the Saveback feature, you receive 1% cashback on every purchase, up to a maximum of €1,500 in monthly spending.
The cashback is automatically reinvested in a systematic investment plan (SIP).
“Round Up” feature
Every card transaction can be rounded up to the next euro, with the difference invested in a SIP.
An automatic way to grow your investments every day without noticing.
A single ecosystem for banking and investments
Born as a trading platform, Trade Republic integrates banking features with investment ones.
From the same account you can manage liquidity and, with one tap, access stocks, ETFs, bonds, cryptocurrencies and activate customized systematic investment plans starting from €1.
Administered tax regime for Italian investors
To simplify tax management, Trade Republic applies the administered tax regime, automatically handling the calculation and payment of taxes on gains, dividends and interest.
Free ATM withdrawals
With the Classic or Mirror card, you can make free withdrawals of €100 or more worldwide.
For smaller amounts a fixed fee of €1 applies.
Trade Republic Checking Account (referral link)