Observed Signal · Oct 20, 2026 · Business Expansion · Source: t3n · Impact: 2/5 · Sentiment: Positive
Trade Republic Found Own Life Insurer for Retirement
Trade Republic, the Berlin-based neobroker, has established its own life insurer, Justinian Versicherungs AG, in Vaduz, Liechtenstein, after receiving a license from the local regulator FMA. The license covers traditional and unit-linked life insurance. This strategic move enables Trade Republic to offer a guaranteed version of the upcoming state-subsidized retirement savings account (Altersvorsorgedepot) in Germany, which will replace the Riester pension from 2027. The guaranteed version may incur a fee, unlike previously announced free variants. This expansion positions Trade Republic against traditional insurers like Allianz and Ergo, targeting security-conscious savers, while rival Scalable Capital avoids guarantees. Trade Republic reported €754 million in revenue for its 2024/25 fiscal year and a valuation of €12.5 billion, serving over 10 million customers.
Trade Republic's entry into the insurance sector for the new state-subsidized retirement product is a notable strategic expansion, but it is a niche development primarily affecting the German retirement savings market rather than the broader AdTech/MarTech industry.
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Key Takeaways & Evidence Grounding
- Trade Republic founded Justinian Versicherungs AG in Vaduz, Liechtenstein, and received a life insurance license from the FMA, covering traditional and unit-linked life insurance.
- The insurer enables Trade Republic to potentially offer a guaranteed version of the Altersvorsorgedepot, with returns of at least 80-100% of contributions, though it may carry a fee.
- The Altersvorsorgedepot is scheduled to launch in early 2027 as the successor to the Riester pension.
- Trade Republic reported €754 million in revenue for its 2024/25 fiscal year and a valuation of €12.5 billion, serving over 10 million customers.
- Trade Republic's rival Scalable Capital offers retirement savings accounts without guarantees.
Connected Companies & Entities
3 Entities mapped“Trade Republic has founded its own life insurer named 'Justinian Versicherungs AG'.”
“With its own insurer, Trade Republic is now moving into a field that has so far belonged to Allianz, Ergo and their peers.”
“With its own insurer, Trade Republic is now moving into a field that has so far belonged to Allianz, Ergo and their peers.”
Related Market Signals & Shifts
Recent verified developments and strategic activity across this market segment.
Trade Republic launches free ETF pension deposit
Trade Republic, a Berlin-based neobroker, has announced a 'completely free' state-subsidized retirement deposit (Altersvorsorgedepot) ahead of its official launch. The offer includes no account management fees, no order fees, and permanently waived product costs for over 50 selected ETFs from Blackrock, DWS, and Vanguard. CEO Christian Hecker framed this as the start of a 'new stock culture in Europe' and aims to attract new customers through the company's largest marketing campaign to date. This aggressive pricing undercuts rivals like Scalable Capital and Smartbroker, intensifying competition for the lucrative retirement market that begins in January 2026, with government subsidies of up to 540 euros per adult and 300 euros per child annually. The deposit replaces the Riester pension.
Trade Republic Revenue Hits €754M, Profit Nearly 7-Fold
German neobroker Trade Republic reported revenue of €754 million for fiscal year 2024/25 (ending September 2025), with net profit surging from €34.8 million to €232.6 million, a nearly sevenfold increase. Commission income from securities trading more than doubled to €733 million. The company now serves over 10 million customers and manages €150 billion in assets. In December 2025, a secondary transaction valued the company at €12.5 billion, raising €1.2 billion from investors including Founders Fund, GIC, Fidelity, Wellington, and the Arnault family. These results precede the EU-wide ban on payment for order flow (PFOF) effective July 2026, a key revenue driver. Trade Republic has adapted with best-price execution across 30 trading venues, while facing declining interest income and a legal settlement with a consumer protection agency over advertising claims.
Trade Republic Invests Millions in Human Customer Service
Trade Republic has reversed its prior chatbot-first approach and rolled out a 24/7 personal customer hotline staffed by human agents, replacing automated chatbots across its support channels. The online broker rebuilt its support offering after repeated criticism of service quality and pressure from financial supervisors; co-founder Christian Hecker said the firm aims to deliver the best customer service of any European bank within 12 months. The expansion — previously reported to include more than 1,000 trained agents, support in multiple languages and a double-digit million-euro investment — will be available via app, phone, live chat and callback and is being rolled out in Germany and other core markets. The newsletter also reports wider fintech items: Deutsche Börse’s planned roughly $200m investment to take a 1.5% stake in Payward (Kraken’s parent), OpenAI’s acquisition of the finance app Hiro, and an FBI estimate that crypto scams stole about $11bn in 2025.
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