Trade Republic Card: Is It Worth Getting?
Summary
TLDRتتضمن ملخص النص المقدم قصة مستخدم جديد بطاقة التداول الإلكترونية لـ Trade Republic، التي يستخدمها لشراء ETFs وكسب ربح يبلغ 4% سنويا على الاحتياطيات النقدية. يناقش النص مزايا بطاقة التداول الجديدة التي توفر 1% من الخصم على المشتريات، وقارن بين بطاقة Trade Republic وبطاقة Revolut لمعرفة الأفضل. ويتضمن النص أيضًا النصائح الشخصية والنصائح حول الاستخدام الصحيح للبطاقة لتحقيق الفوائد المالية الأكبر.
Takeaways
- 😀 توفر بطاقة تجار الجمهور (Trade Republic) ميزة فريدة حيث يمكن لحاملي البطاقة استخدام الرصيد النقدي في حسابهم للمدفوعات الاليومية.
- 💰 يوفر تجار الجمهور فوائدًا بنسبة 4% سنويا على الحسابات النقدية التي لا تزيد عن 50,000 يورو، مع ضمان المبلغ المصرفي بقيمة 100,000 يورو.
- 🛒 توفر بطاقة تجار الجمهور 1% من المبلغ الذي يدفعه العملاء على المشتريات، ويتطلب أن يتم استثمار هذا المبلغ في الشهر التالي.
- 🏧 لا تفرض تجار الجمهور رسوم على السحب النقدي من الصرافات الآلية، طالما أن المبلغ يزيد عن 100 يورو في كل مرة.
- 🌐 لا تفرض تجار الجمهور رسوم على تحويل العملات، بل يستخدم معدل التحويل المقدم من فيزا (Visa) بدقة.
- 🔒 توفر بطاقة تجار الجمهور مجموعة من الميزات الأمنية التي تشمل إعلام العميل بالدفعات القادمة وتأمين البطاقة في حالة إدخال الرقم السري بشكل خاطئ.
- 📈 يمكن لحاملي بطاقة تجار الجمهور استثمار المبلغ الذي يجمعونه من المبلغ العائد على المشتريات في أي ETF أو أسهم تختارونها.
- 💳 توفر بطاقة تجار الجمهور ثلاث نسخ مختلفة: الافتراضية، الكلاسيكية التي تكلف 5 يورو، والبطاقة المirror المصنوعة من الفلز التي تكلف 50 يورو.
- 📊 يتميز تجار الجمهور بكونه من أفضل الوسطاء الرخيصة في أوروبا حيث لا تفرض رسوم على التداول في ETFs أو أسهم أو السندات.
- 🔄 يوفر تجار الجمهور فرصة لعمل العملاء لصالح مساهماتهم الجزئية، مما يتيح لهم الاستثمار بكامل المبالغ التي يرغبون في الاستثمار بها.
- 🌟 يُعتبر تجار الجمهور من أفضل البطاقات المتاحة في أوروبا، ويخطط لنشرها في 16 دولة خارج ألمانيا في أسابيع القادمة.
Q & A
ما هي بطاقة تجاري الجمهورية الجديدة التي تمت مشاركتها في النص؟
-بطاقة تجاري الجمهورية هي بطاقة دائنة تتيح استخدام الرصيد المباشر في حساب تجاري الجمهورية للدفع عن المصروفات الشخصية، سواء عبر البطاقة نفسها أو من خلال Google و Apple Pay على الهواتف الذكية. كما يمكن سحب النقد من الATM مباشرة من حساب تجاري الجمهورية.
ما هي الفوائد الرئيسية التي يقدمها تجاري الجمهورية للعملاء؟
-تجاري الجمهورية يوفر فوائد مثل الفائدة الثاقبة بنسبة 4% على الحسابات غير المتداولة، مع خصم 1% على المشتريات باستخدام البطاقة، والحصول على أسهم جزئية عند الاستثمار، وعدم وجود رسوم تحويل عملة.
لماذا يمكن لبطاقة تجاري الجمهورية أن ت继续保持 4% الفائدة على الحسابات التي تنتظر الدفع؟
-تتميز بطاقة تجاري الجمهورية بقدرتها على الاحتفاظ بالفائدة الثاقبة على الحسابات التي تنتظر الدفع لأن الحسابات في تجاري الجمهورية لا تتطلب تحويل الاموال بين حسابات مختلفة للوصول إلى الفائدة أو الدفع المباشر.
ما هي الإصدارات المختلفة للبطاقة التي تمت مشاركتها في النص؟
-هناك ثلاث إصدارات للبطاقة: البطاقة الافتراضية المجانية التي يمكن استخدامها عبر الإنترنت أو في المحل للمدفوعات بلا تواصل، البطاقة الكلاسيكية بتكلفة 5 يورو، والبطاقة المirror المصنوعة من الفلز بتكلفة 50 يورو.
كيف يعمل الميزة 'Save Back' في بطاقة تجاري الجمهورية؟
-Save Back هي ميزة توفر 1% من المبلغ الذي قُدم به البطاقة كخصبة على المشتريات. المبلغ المتراكم يجب استثماره في الشهر التالي من خلال خطة التوفير الشهرية المجانية.
ما هي الشروط التي يجب اتباعها لتجنب رسوم على سحب النقد من الATM باستخدام بطاقة تجاري الجمهورية؟
-لا توجد رسوم على سحب النقد من الATM طالما أن المبلغ يتجاوز 100 يورو في كل مرة. وينطبق هذا على العملات أخرى حول العالم.
هل تفرض تجاري الجمهورية رسوم على تحويل العملات عند الشراء أو السحب؟
-لا تفرض تجاري الجمهورية أي رسوم على تحويل العملات، بل يتم تحويل الاموال بنفس معدل فيزا الاستخدام من فيزا كل يوم.
ما هي الميزات الأمنية الموجودة في بطاقة تجاري الجمهورية؟
-تتضمن الأمان في بطاقة تجاري الجمهورية عدم طباعة الرقم السري والرمز التحققي على البطاقة، والحصول على إعلامات عند استخدام البطاقة، وقدرة التعليق على البطاقة في التطبيق، وتغيير الرمز السري.
كيف يمكن لشخص أن يحصل على بطاقة تجاري الجمهورية؟
-يمكن لأي شخص فتح حساب في تجاري الجمهورية والحصول على بطاقة ال共和国 من خلال الرابط الموجود في الوصف، أو بعد الانتهاء من عملية التسجيل في التطبيق.
ماذا عن الدعم العملاء في تجاري الجمهورية؟
-قد يكون الدعم العملاء في تجاري الجمهورية بطيئًا بعض الأوقات بسبب النمو السريع، لكنهم يعملون على تحسين خدمات الدعم العملاء.
هل توفر تجاري الجمهورية أي خصومات أو مزايا إضافية للمستخدمين؟
-تتضمن مزايا تجاري الجمهورية خصم على المشتريات بنسبة 1%، والحصول على أسهم جزئية عند الاستثمار، وعدم وجود رسوم تحويل عملة، والحصول على الفائدة الثاقبة على الحسابات غير المتداولة.
Outlines
💳 Trade Republic Card Overview and Features
The speaker introduces the Trade Republic card, highlighting its features such as 1% cashback on purchases, no fees for ATM withdrawals over €100, and no currency conversion fees. They also mention the comparison with Revolut and emphasize the card's ability to earn 4% interest annually on uninvested funds, which is a unique selling point. The speaker clarifies that they are not sponsored but are an affiliate, offering a link for viewers to sign up and support the channel.
🔑 Security Features and Personal Experience
Discussing the security measures of the Trade Republic card, the speaker notes the absence of sensitive information on the card and the app's features for managing card settings. They share their personal experience using the card for daily expenses, appreciating the unlimited free ATM withdrawals and the 1% cashback feature. The speaker also addresses potential areas for improvement, such as the inability to adjust spending limits and the slow customer service, but acknowledges that the company is working on these issues.
🏦 Trade Republic's Financial Services and Future Prospects
The speaker elaborates on Trade Republic's financial services, including low-cost trading of ETFs, stocks, and bonds, and the benefits of having a banking license. They mention the card's upcoming rollout in 16 countries and invite viewers to use their affiliate link to sign up. The speaker concludes by sharing their positive opinion of the card, considering it the best available debit card in Europe, and encourages viewers to like, subscribe, and share their thoughts on the new card.
Mindmap
Keywords
💡بطاقة تجاري
💡الفائدة السنوية
💡بطاقة فيرتوال
💡تحويلات القيمة
💡بطاقة مرآة
💡الخصومات النقدية
💡التأمين المصرفي
💡بطاقة اف تي إف
💡الأمان المصرفي
💡الدعم العملاء
💡بطاقة الخصم الرقمية
Highlights
User has been using the new Trade Republic card for a few weeks and shares their experience.
Trade Republic offers 1% cash back on purchases with the card, a unique feature in Europe.
The card allows earning 4% interest per year on cash reserves, up to €50,000.
Compares Trade Republic with Revolut to determine which card is more beneficial.
Trade Republic is a German broker with over 4 million customers and €35 billion in assets under management.
The card enables direct use of cash balance for payments, with the money still earning interest.
Three card versions are available: virtual, classic, and the premium metal Mirror card.
There are no fees for cash withdrawals at ATMs if the amount is €100 or more.
The card has no currency conversion fees, using the exact rate set by Visa.
Security features include not printing sensitive card information and automatic card lock after several wrong PIN entries.
The 'Save Back' feature requires the accumulated amount to be invested the following month.
The 'Roundup' feature allows users to invest the difference when payments are rounded up to the nearest Euro.
Trade Republic does not charge any withdrawal fees for any currency, as long as the amount is over €100.
The card has a high daily spending limit of €10,000 and a weekly limit of €20,000 for security.
Personal experience indicates that Trade Republic's card is currently the best debit card available in Europe.
The card will be rolled out in all 16 countries outside Germany starting in mid-April.
The user emphasizes that they were not paid to make the video and do not do sponsored content.
Transcripts
I've now been using the new trade
Republic card for the past few weeks so
I wanted to share my experience with all
of you I know a lot of you have been
patiently waiting to get it as well as
many of you are already using trade
Republic to buy ETFs or to earn 4%
interest per year on cash reserves we'll
be covering all of the cards features
like the 1% save back on your purchases
using the card something no other Bank
in Europe is currently offering and if
there are any fees to be aware of for
example when picking up cash at an ATM
or when paying in a different currency
we're even going to compare it to
revolute to see which option comes out
on top you'll of course also find out
how everything works in detail and my
personal opinion and experience so far
after using it every single day for the
past 3 weeks hopefully this video will
help you figure out if it's worth
getting yourself but before we get right
into it I'd like to clarify that I've
not been paid by anyone to make this
video I've never accepted money to
mention anything in a video as I don't
do sponsored content out of principle
and I have no intention of ever changing
that you guys are not for sale and
neither am I I did however receive my C
early as a trade Republic affiliate and
I do receive a small commission if you
use my link in description below to open
a trade Republic account which is a
great way to support me if you'd like to
I just wanted to get that out of the way
before we begin first off who is trade
Republic in the first place trade
Republic is a German broker with over 4
million customers in 17 European
countries and 35 billion in assets under
management strictly regulated by the
buffin and the German bundesbank and
received its full banking license at the
end of last year having its own banking
license enabled it to issue a payment
card so they were now able to pay for
everyday expenses using the cash on our
account a reason why you may want to
hold your Euros in your account is that
trade Republic currently pays 4%
interest per year on up to 50,000 worth
of uninvested funds secured by a €
100,000 bank deposit guarantee because
of that my wife and I have been using
them to earn interest on our own cash
reserves which would otherwise be
earning zero on our Austrian bank
accounts with our banks pocketing
whatever the earning in interest
themselves interest is paid out at the
start of every every single month
meaning it compounds as well so the
annual rate actually ends up being
slightly higher at around 4.07% per year
right now if you leave the interest you
earn on your account as well apart from
the high interest rate basically the
rate the ECB is paying banks at its
deposit facility right now trade
Republic is one of the best lowcost
brokers in Europe for ETFs stocks and
bonds and has become a second most used
broker right after interactive brokers
that's because you only pay a flat onee
fee for direct orders no matter the
amount amount and no commission
whatsoever if you set up a recurring
investment which is perfect for smaller
investment amounts you also get
fractional shares when you invest so
you're always able to invest the entire
amount you want not only that your
shares only belong to you and are never
lent out the broker is strictly
regulated in Germany as I already
mentioned and you can transfer your
portfolio to another broker if you ever
change your mind a feature That's
essential for long-term investors all
right now let's finally get to the new
debit card that was launched which let's
be honest is the reason you're watching
this video in the first place the card
enables you to directly use the cash
balance on trade Republic for payments
no matter if online or physically either
using the card itself or Google and
Apple pay on your smartphone you can now
also withdraw cash at an ATM directly
from your trade Republic account what
makes this unique is that whatever money
is sitting on the account waiting to be
spent is still earning the full 4%
interest rate normally this is not
possible you usually need to move money
between two accounts and decide if you
want to be able to spend it that account
usually earns zero interest or have it
sitting on a separate savings account
earning a bit of interest but which you
can't access directly when making
everyday payments and just to give you
an example having an average monthly
balance of €2,000 sitting on a zero
interest spending account basically cost
you €6 and. 70 cents in interest per
month you could have otherwise earned at
a 4% rate luckily we don't have that
problem when using trade Republic now
getting back to the card there are three
different versions first the virtual
card which is free and has all of the
same features as the other cards and can
be used online or in store for
contactless payments using your phone
via Google or Apple pay then the classic
card for a onetime fee of €5 which
basically covers the shipping costs to
you and lastly the fancy Mirror card
made out of metal which I have right
here which costs 50 and has a nice
weight to it I really like how it looks
and feels in the hand it definitely
stands out still I want to disclose that
I got this one for free as an affiliate
otherwise I think the classic card for
€5 would have been enough for me that's
because I rarely pull out my card for
payments and mostly use my phone instead
the only real advantage of the two
physical cards is that they enable you
to withdraw cash at an ATM otherwise
everything is exactly the same still I
think having that added flexibility is
definitely worth paying 5 once I have to
say this is something I really
appreciate about trade Republic every
single client no matter if you're a new
one or an older existing client no
matter if you have a lot of money or
you're just starting small everyone is
treated the same and gets the full 4%
interest rate on cash the the same 1%
save back using any version of the card
and access to commission free recurring
Investments nobody is trying to upsell
you to a random paid premium tier or
anything like that to get these benefits
speaking of the 1% save back function
here's what it is and how it works save
back is basically cash back on your
purchases but the amount you accumulate
every calendar month needs to be
invested the following month let me
explain whenever you use your card for
payments of any type trade Republic
gives you 1% of the amount you spent in
the form of save back the maximum save
back you can accumulate every single
month is kept at € 15 which doesn't
sound like a lot at first Until you
realize that translates to €1,500 of
monthly payments using the card I don't
know about you but I rarely spent more
than that using a debit card also
considering the fact that we're not able
to pay for larger recurring expenses
like rent using a card in the first
place now the save back you accumulate
needs to be invested via commission free
monthly saving plan AKA recurring
investment of at least €50 you can also
have several smaller saving plans as
long as their monthly total is 50 or
more in that case you can pick which of
the plans you want your money to be
added to by clicking on the save back
button under benefits in the cash tab
you can always sell whichever amount was
invested including the save back that
was added as soon as your commission
free savings plan is executed in case
you were not planning on having this
money invested long term in fact if
you're only interested in the extra cash
perhaps because you were only using
trade Republic to earn 4% interest on
your uninvested f and now also to get 1%
back on your expenses an option could be
to set up a savings plan for the XT
trackers overnight rate ETF which
reflects the Euro short-term rate which
is currently close to 4% per year you
can find this ETF using the tickeron on
trade Republic you can sell these shares
anytime as well but in this case you're
able to avoid the price swings you would
otherwise have when investing in the
stock market personally I'm happy to
just have this money added to a monthly
saving plan going into my favorite ETF
the accumulating Vanguard footy o World
which you can find VI the ticker bwce
Roundup is another card feature you can
activate if you want once again you can
find it under cash benefits Roundup
payments if you activate it each payment
you make with your card will be rounded
up to the next Euro so for example if
you're spending €250 on a coffee your
payment will be automatically rounded up
to €3 and that 50 Cent difference will
be deducted from your balance as Roundup
this is with a 1x multiplier which you
can also increase if you want for
example if you select 2x then that that
50 Cent difference I just mentioned will
be multiplied by two and € will be
deducted instead as Roundup the Roundup
amount you accumulate this way will then
be automatically invested each week into
whichever ETF or stock you choose once
again commission free I'm not going to
use this feature personally since my
wife and I already invest a few thousand
on a monthly basis but it could be an
interesting option if you need some
extra motivation to start investing
regularly okay so far I think all of
that sounds pretty great but you're
probably wondering if there are any fees
to be aware of when using the card what
about cash withdrawals using ATMs for
example luckily there are zero fees for
withdrawing cash at ATMs using your card
as long as you withdraw €100 or more at
once I tested this myself a few days ago
so I can confirm that there were no fees
if you withdraw less than that amount a
withdrawal costs € not only that this
applies to other currencies as well
globally trade Republic doesn't charge
any withdrawal fees no matter the
currency as long as the withdrawal
amount is over €100 there is no limit on
the number of ATM withdrawals each month
either the conditions always remain the
exact same the only thing you have is a
cash withdrawal limit of 1,500 per day
and €6,000 per week for security reasons
now compar it to revolute where you can
only withraw up to €200 of cash at ATMs
each month without fees using its free
plan after that you pay a 2% fee which
is a lot speaking of paying or
withdrawing money in other currencies
there are no currency exchange fees
either the money is simply converted
using the exact rate set by Visa each
day and there is no markup or any other
fee that's added by trade Republic I did
a few tests comparing currency exchange
rates between Visa rates and what I paid
on revolute on a few different occasions
sometimes Visa ends up being cheaper for
example on March 19th I could have saved
0.3% if I had paid using trade Republic
instead of revolute for this $20 payment
in US Dollars and other times revolute
ends up being slightly cheaper either
way so far based on my testing the
differences are minimal and always
significantly below the 1% save back so
in my opinion it's worth using the
Republic card for payments in other
currencies over revolute and on weekends
the Visa rates used by trade Republic
always end up being better than revolute
in my experience since revolute charges
an extra 1% weekend exchange fee also
keep in mind that revolute capts free
currency conversions at €1,000 per month
after that you pay an extra one or fee
meanwhile there are no monthly
conversion limits using trade Republic
which is great you simply have a very
high card spending limit of €10,000 per
day and €20,000 per week for security
reasons as far as I can tell we're not
able to adjust these limits ourselves
yet hopefully this feature will be added
later let's actually use that as a
transition to talk about Security in
more detail as you can see here trade
Republic actually decided not to print
the card number expiration date and
verification code on the card itself for
safety reasons so that you can safely
pull it out when making payments without
anyone seeing this sensitive information
when you want to make an online payment
to a new Merchant the first time for
example when you want to buy something
with it for the first time using it in
your Amazon account you get a
notification from the trade Republic app
to verify that payment this is another
important security feature and I'm glad
it's there you also get a notification
right away whenever your card is used
for payments of any sort you can find
all the card settings and details at the
top right within the trade Republic app
where you can also quickly freeze it
change your pin and activate or
deactivate specific features like
contactless or online payments the last
thing worth mentioning in this context
is that your card is automatically
locked if the wrong PIN is entered
several times in a row which once again
is an important feature in case you were
to lose it or if it gets stolen if you
made that mistake yourself you can
unlock it again within the app or you
can also change your PIN meanwhile if
you lost it you can terminate it and
order a new card all right let's finish
things off with my personal experience
and what I consider to be the pros and
cons of using the card so far my wife
and I have been using the card every
single day for the past 3 weeks I simply
added it to Google pay on our two phones
so that we're both able to use the same
account for payments and to earn a 1%
save back on each purchase I like that
there are no account fees and everything
is clearly outlined the money is secured
by € 100,000 bank deposit guarantee
while earning 4% interest per year we
now get 1% save back on up to 1,500 of
expenses each month there are no
currency conversion fees and we can do
an unlimited number of free cash
withdrawals at ATMs no matter where we
are and no matter in which currency as
long as we withdraw €100 or more at once
of course there's still room for
improvement here as well nothing is
perfect for example I would like to be
able to change the daily spending limit
or to split my funds in into a savings
and a spending bucket as long as both
keep earning interest of course and
trade Republic's customer service can be
a bit slow at times which is clearly the
result of them growing so quickly to
over 4 million customers across 17
European countries in such a short
amount of time their regional manager
has however informed me that scaling and
improving customer service is their top
priority right now so things should get
better soon luckily I've rarely needed
to reach out to the support team myself
as I've had zero issues over the past 3
and a half years and neither have any of
my friends and family members who use
trade Republic to buy stocks and ETFs
and to earn interest on their cash
either way because of all of its
features and benefits in my opinion
trade Republic has managed to make this
the best debit card that's currently
available in Europe which is why my wife
and I will keep using it for our
everyday expenses they're planning to
roll out the card in all of the 16
countries outside of Germany starting in
the second week of April so don't be
upset if you didn't get yours yet they
simply sent it to me a bit earlier so
that I could already test it out if
you'd like to check out tra Republic for
yourself and support the work that I put
into this video feel free to use my link
in the description below and don't
forget to gently tap the like button and
to subscribe to the channel if you
haven't yet I'm also curious to know
what you guys think about the new card
are you looking forward to using it as
well thank you guys so much for watching
have a wonderful week and until next
time
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