PayperWIZ

Trading 212 Card (debit) cashback rate, cap and annual fee

Trading 212 Card (debit) pays 1.5% on everything, as a base rate — on the first EUR 1,000 you spend on it each month, which is where the EUR 15 cap stops it.

This is information about each card's published terms, not a recommendation to apply. PayperWIZ arranges no credit and is paid nothing by any bank or card issuer.

Trading 212 / Paynetics · Germany · catalogue v121

Read from Trading 212 / Paynetics's own published terms on 30 Oct 2026.

EUR 15Cap across the whole card
1.5%Best rate

What it pays, by category

SpendingRateMonthly cap
everything else1.50%EUR 15reached at EUR 1,000 of spend1.5% on card purchases at non-excluded merchants, EUR 15 a calendar month, only while 'Invest cashback' is on and an eligible subscription is active o
A debit Mastercard on the Trading 212 Invest account, issued by Paynetics. The help centre: 'Anywhere Mastercard debit/credit cards are accepted', and Trading 212 staff on its community forum: 'all currencies supported by Mastercard'. Fixed: the entry was filed as Visa. 1.5% cashback (terms: 'Cashback Rate means one point five percent'), EUR 15 a calendar month, on two conditions held at the same time: 'Invest cashback' switched on, so the cashback is invested in a Pie and never paid as cash, and at least one eligible subscription billed to the card at least every month (Netflix, Disney+). Without both the rate is 0%. Recorded untagged, as Trade Republic's Saveback with its savings-plan condition is; the conditions are what a holder must keep in place. Excluded merchant categories apply. No annual fee or FX figure was on the pages read; both are blank. Source: Trading 212 Card Cashback Terms (DE and EN, 1 Oct 2026), helpcentre.trading212.com 'How does 212 Card cashback work?' and 'Where can I use the card?', read in a browser, read 30 Oct 2026.

Questions people ask

What cashback does the Trading 212 Card (debit) pay?

1.5% on everything, as a base rate.

Is there a cap on the Trading 212 Card (debit)?

Yes — EUR 15 a month across the whole card, however you split your spending.

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. Every rate in it says where it came from, the way this page does: read off the issuer and dated, or marked indicative.

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Other Germany cards read off the issuer