Trade Republic
European mobile bank and broker for savings, payments and investing.
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Profil-Datensatz aktualisiert:
Unternehmensdaten
- Offizieller Name
- Trade Republic Bank GmbH
- Einheitentyp
- COMPANY
- Gegründet
- 2015
- Hauptsitz
- Germany
- Unternehmensgröße
- 501–1,000
- Marktrolle
- B2C Consumer App / Platform
- Offizielle Website
- traderepublic.com
Was Trade Republic macht
Trade Republic operates a regulated digital banking and retail brokerage model. It acquires customers through a low-cost mobile proposition, provides cash, card and multi-asset investment functions in one account, and converts customer activity and assets into transaction, venue, payment and cash-balance economics. Free recurring savings plans encourage frequent deposits and long-term assets under management, creating cross-sell demand for banking, securities, private-market and crypto services.
Einordnung und Abgrenzung
Trade Republic is a regulated German digital bank and retail brokerage platform, not a traditional investment bank, asset manager or payment gateway. It serves consumer investors and, since 2026, a limited German holding-company segment.
Strategische Einordnung
KI-gestützte Einordnung aus der bestehenden Unternehmensrecherche; Interpretation und belegte Fakten sind zu unterscheiden.
Trade Republic Bank GmbH is a Berlin-based, BaFin- and Bundesbank-supervised financial institution operating a mobile consumer platform for current accounts, debit-card payments, cash savings and self-directed investing. Its offering spans shares, ETFs, funds, bonds, private markets and cryptocurrencies, alongside recurring savings plans, child savings accounts and crypto staking. It operates in 18 European countries and serves more than 10 million customers with more than €150 billion in assets under management. The company monetises through fixed trade-settlement fees, venue-related charges, card-related economics and economics generated from customer cash balances and partner-bank arrangements. Free savings-plan execution lowers the barrier to recurring investing and supports asset accumulation, from which Trade Republic can cross-sell further banking and investment products. Its September 2026 Private Holding Account also addresses sole shareholders of German GmbHs and UGs investing corporate liquidity.
Unternehmens-Newsbriefing
Briefing aktualisiert:
Trade Republic hat sein gewerbliches Angebot durch die Einführung eines Privatkontos für Holdinggesellschaften von Alleingesellschaftern deutscher GmbHs und UGs erweitert, das 2.5% Zinsen auf uninvestiertes Guthaben bietet. Zur Stärkung seiner Marktpräsenz hat das Fintech seinen Werbedruck deutlich erhöht und insbesondere eine TV-Kampagne mit prominenter Unterstützung von Brad Pitt stark ausgeweitet. Gleichzeitig verschärft sich der Wettbewerb im Neobroker-Segment durch den Markteintritt traditioneller Geldinstitute wie der Sparkassen mit ihrer neuen Brokerage-App S-Neo.
Geschäftsmodell und Monetarisierung
Trade Republic charges a fixed €1 settlement fee for individual securities trades and a further €2 fee when customers select the Direct Price venue. It offers savings-plan execution without brokerage fees, using recurring investment activity and accumulated assets to support broader banking and investment monetisation. Revenue also derives from customer-cash and partner-bank economics, payment-card economics, paid physical-card options, and transaction or third-party charges associated with investment products including crypto, private markets and fixed income.
- Individual securities-trade settlement fees
- Pay-per-Use
- Direct Price venue fees
- Service Fee
- Customer cash-balance and partner-bank economics
- Percentage Take-Rate
- Payment-card and physical-card economics
- Service Fee
- Investment-product transaction and third-party economics
- Percentage Take-Rate
Produkte und Fähigkeiten
Für diese Ansicht liegen keine Produkte mit zugeordneten Quellen vor.
Produkte und Marktkategorien
Media Channel
Technology
Zuletzt erfasste Signale
Datumsangaben beziehen sich auf die Quellenveröffentlichung. Ältere Einträge sind historischer Kontext, kein Beleg für ein neues Ereignis.
Germany Sees Record Unicorns, but IPOs Head to US
Startup Ecosystem · Erfasster Impact-Score: 1/5
According to the 'Deutsche Startup Monitor' report, Germany has produced ten new unicorns (startups valued at over €1 billion) by end of September 2026, the highest number since 2021, bringing the total to a record 39. The surge is driven by investments in AI and defense startups. Venture capital inflows reached €8 billion in 2026, exceeding the previous year's total. However, 62% of startups prefer a US IPO over Germany (27%), and 64% rely predominantly on US technology providers due to lack of European alternatives. The report highlights a concentration of capital at the top, with financing rounds down 25% from 2021 levels. Founders call for more European venture capital and simplified EU incorporation (EU Inc.).
- Germany produced 10 new unicorns (startups valued over €1B) by end of September 2026, a record total of 39.
- Venture capital inflows to German startups reached €8 billion in 2026, surpassing the €7.5 billion of the previous year.
Trade Republic Launches Corporate Account for Holding Companies
Financials · Erfasster Impact-Score: 2/5
Trade Republic is expanding its services to corporate clients by introducing a 'Private Holding Account' for sole shareholders of German GmbHs or UGs. This account allows these companies to invest their liquid assets, earning 2.5% interest on uninvested funds without a cap, similar to private accounts, though funds are placed in money market funds. The account features no execution fees for savings plans, and securities orders from €1, with easy switching between personal and corporate accounts. Trade Republic highlights a tax advantage of only 1.5% on stock gains if earnings remain in the holding. The product targets a niche of asset-holding single-person companies and active traders, competing with online brokers like Flatex and traditional banks. The fintech manages €150 billion in assets and is present in 18 European countries.
- Trade Republic launches a 'Private Holding Account' for sole shareholders of German GmbHs or UGs.
- The account offers 2.5% interest on uninvested cash without an upper limit, but funds are placed in money market funds.
Law Student Builds Marketing Apps with AI
Influencer Marketing · Erfasster Impact-Score: 2/5
The article profiles Klaas Wibker, a 23-year-old law student from Leipzig, who learned to code using AI tools like Claude Code and OpenAI's Codex. Without prior programming experience, he built several apps, including Contentmarkt, an influencer marketing platform that connects brands with social media users. He is a participant in the 'Gründerszene sucht die Supergründer' fellowship organized by Axel Springer. The fellowship is supported by OpenAI, Vercel, Dash0, and DHL. Wibker also developed TomTravel, a voice-based flight booking platform. He previously interned at Trade Republic. The article highlights how AI is enabling non-coders to build software and start businesses.
- Klaas Wibker, a 23-year-old law student, built multiple apps using AI coding tools despite no prior programming knowledge.
- He developed Contentmarkt, an influencer marketing platform linking brands with social media users.
Brad Pitt boosts Trade Republic TV ad surge
TV (linear) · Erfasster Impact-Score: 2/5
Trade Republic intensified its TV campaign featuring Brad Pitt, airing 1,287 spots in the past week — the most weekly placements for the neobank this year — generating a gross reach of 402 XRP. All Eyes On Screens data show the campaign’s TV-only gross ad volume since early May has reached €16.9 million. Telekom brand Congstar returned strongly to TV with 752 spots last week (435 XRP) after an absence in June–mid July. Ferrero's Kinder led the weekly advertiser ranking with 772 spots and 683 XRP; Lenor and Sky also placed on the podium. All Eyes On Screens compiles weekly spot lists and measures gross reach in Vodafone-measured households using Exact Rating Points (XRP).
- Trade Republic ran 1,287 TV spots featuring Brad Pitt in the last week.
- Trade Republic's weekly gross reach (brutto) for those spots was 402 XRP.
Unternehmensbeziehungen vertiefen
Fragen zu Trade Republic
What is Trade Republic?
Trade Republic is a German regulated digital banking, savings and retail investment platform operating across 18 European countries.
Who uses Trade Republic?
It is used primarily by adult European consumers seeking mobile banking, savings, card payments and self-directed investing, as well as eligible German single-shareholder holding companies.
How does Trade Republic make money?
It earns fixed trade and venue fees, cash-balance and partner-bank economics, payment-card economics, and investment-product related charges.
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