Trade Republic Karte cashback rate, cap and annual fee
Trade Republic Karte pays 1% on all spending — on the first EUR 1,500 you spend on it each month, which is where the EUR 15 cap stops it.
Trade Republic · Germany · catalogue v101
Read from Trade Republic's own published terms on 12 Sep 2026.
NoneAnnual fee
EUR 15Cap across the whole card
1%Best rate
What it pays, by category
| Spending | Rate | Monthly cap |
|---|---|---|
| All spending | 1.00% | EUR 15reached at EUR 1,500 of spendSaveback on all spend from cash balance, paid into a securities savings plan rather than as cash. €15 a month across the whole card. |
The highest rate among Germany's free cards, and the most conditional. "Saveback" is not cash: it is invested into a securities savings plan on the 2nd of the following month, so it is only worth face value if you were going to invest anyway, and it is forfeited outright in any month you do not meet the conditions. Those are: activate the benefit, and invest at least €50 a month in savings plans (quarterly plans do not count). The reward is capped at €15 a month paying from cash balance — reached at €1,500 of spend — and €30 only if you pay exclusively with crypto, at 2%. The 1% below is the cash-balance case. Source: support.traderepublic.com, checked 12 Sep 2026.
Questions people ask
What cashback does the Trade Republic Karte pay?
1% on all spending.
Is there a cap on the Trade Republic Karte?
Yes — EUR 15 a month across the whole card, however you split your spending.
What is the annual fee on the Trade Republic Karte?
No annual fee.
Knowing the rate is not the same as remembering it
PayperWIZ holds the cards you actually own and names the right one at the till — after the cap you have already used this month, and after the foreign-currency fee. It works offline and never connects to a bank.
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