Trade Republic crypto is often mentioned as an easy way to get exposure to digital assets without using a complex exchange. Trade Republic has positioned itself as a simple, low-cost investment app, but its crypto offering comes with important limitations that investors should understand before using it.
In this guide, I explain how Trade Republic crypto works, its real fees, security level and whether Trade Republic is available in the US. I also share practical insights from using Trade Republic mainly as a passive investing and savings platform.
What Is Trade Republic Crypto?
Trade Republic crypto allows users to buy and sell cryptocurrencies directly inside the Trade Republic app. Unlike dedicated crypto exchanges, Trade Republic focuses on simplicity and regulation rather than advanced trading tools.
Trade Republic is a German-regulated broker and licensed bank, designed primarily for long-term investors who prioritize ETFs, automated savings plans and a remunerated cash account. Crypto is a secondary feature, not the core product.
If you want a broader explanation of the platform, see this internal guide on what Trade Republic is and how it works.
Trade Republic Crypto Features
Available Cryptocurrencies
Trade Republic crypto includes a limited selection of well-known assets such as:
- Bitcoin (BTC)
- Ethereum (ETH)
- Selected large-cap cryptocurrencies
The platform avoids speculative or low-cap tokens, which aligns with its conservative investment philosophy. This approach is similar to what Trade Republic explains on its official website: https://traderepublic.com
How Trade Republic Crypto Works
With Trade Republic crypto:
- You buy and sell crypto directly in the app
- You do not manage private keys
- Crypto custody is handled by regulated third-party providers
From my own experience, this setup reduces friction for beginners and long-term investors. However, it also means you give up full control over your assets.
For readers who want to understand why private keys matter, this external guide from Bitcoin.org is useful: https://bitcoin.org/en/choose-your-wallet
No Staking, No DeFi, No Transfers
Trade Republic crypto has clear limitations:
- No staking rewards
- No DeFi or NFT access
- No transfers to external wallets
If you need advanced crypto functionality, exchanges like Coinbase or Kraken offer more flexibility.
Trade Republic Crypto Fees Explained
Crypto Fees and Spreads
Trade Republic does not charge a visible crypto trading commission. Instead, the real cost comes from the spread, which is the difference between the buy and sell price.
- No explicit crypto fee
- Costs embedded in execution price
- Spreads can be higher on less liquid assets
In my case, I noticed that spreads on smaller assets were sometimes less competitive than on professional platforms. For long-term holding this is usually acceptable, but active traders should be aware of it.
You can read a detailed breakdown in this internal article on Trade Republic fees and costs.
Other Trade Republic Fees
- €0 commission on ETF savings plans
- €1 flat fee on most trades
- No custody fees
- No inactivity fees
This pricing structure is one of the main reasons Trade Republic is popular among passive ETF investors.
Is Trade Republic Available in the US?
Trade Republic is not available in the United States.
The platform operates exclusively in Europe and is regulated under German and EU financial authorities. It does not hold US licenses such as SEC or FINRA registration.
According to Trade Republic’s official help center (https://support.traderepublic.com), only residents of supported European countries can open an account.
Supported Countries
Trade Republic is currently available in countries including:
- Germany
- Spain
- France
- Italy
- Austria
US residents cannot open an account, even if they hold EU citizenship.
Is Trade Republic Crypto Safe?
Security is one of the strongest aspects of Trade Republic crypto.
- Trade Republic is a regulated German financial institution
- Cash balances are protected under EU deposit guarantee schemes
- Crypto custody is handled by licensed partners
Initially, I was hesitant about using a fully digital German bank with no physical branches. Over time, seeing interest payments credited consistently built confidence in the platform. That said, customer support can be slow if you encounter a serious issue.
Las reseñas de usuarios independientes en Trustpilot reflejan comentarios similares con respecto a los tiempos de respuesta de soporte.
Who Is Trade Republic Crypto Best For?
Trade Republic Crypto Is Ideal If You:
- Invest long term rather than trade frequently
- Want simple crypto exposure
- Focus mainly on ETFs and automated savings
- Prefer a clean, beginner-friendly app
Trade Republic Crypto Is Not Ideal If You:
- Trade crypto actively
- Need advanced order types
- Want full wallet control
- Depend on fast customer support
Compared to more advanced brokers like Interactive Brokers, Trade Republic feels much simpler but also more limited.
Final Verdict on Trade Republic Crypto
Trade Republic crypto is not designed to replace a full crypto exchange. It works best as a supplementary investment option for long-term investors who value simplicity, regulation and low visible fees.
If crypto plays a small role in your portfolio, Trade Republic can be a solid choice. If crypto is central to your strategy, you will likely need a specialized platform.
FAQs About Trade Republic Crypto
Is Trade Republic crypto good for beginners?
Yes. Trade Republic crypto is well suited for beginners who want simplicity and regulation.
Does Trade Republic charge crypto commissions?
No direct commissions, but costs are included in the spread.
Can I withdraw crypto to an external wallet?
No. Crypto cannot be transferred outside the platform.
Is Trade Republic crypto available in the US?
No. Trade Republic crypto is limited to Europe.
Is Trade Republic a broker or a bank?
It operates as both under German regulation.