Trade Republic Card: Is It Worth Getting?
Summary
TLDRDieses Video präsentiert die Erfahrungen mit der neuen Trade Republic-Karte, die für den Alltag nutzbar ist und 1% auf Einkäufe zurückgibt, was in Investitionen eingezahlt werden muss. Es bietet einen detaillierten Überblick über alle Funktionen der Karte, vergleicht sie mit der Revolut-Karte und erklärt, warum die Trade Republic-Karte die beste derzeit in Europa verfügbare Debitkarte ist. Zudem werden die Vorteile der 4% jährlichen Zinsen auf Bargeldreserven und der kostenlosen, wiederkehrenden Investitionen hervorgehoben.
Takeaways
- 😀 Das Trade Republic-Konto bietet 4% jährliche Zinsen für bis zu 50.000 Euro an uninvestierten Bargeld, mit einer Bankdepositenversicherung von 100.000 Euro.
- 📈 Trade Republic ist einer der kostengünstigsten Broker in Europa für ETFs, Aktien und Anleihen, mit nur einer festen Gebühr für Direktorders.
- 💳 Die neue Trade Republic-Karte ermöglicht es, den Bargeldsaldo direkt für Zahlungen zu verwenden, ob online oder physisch, und erzielt weiterhin 4% Zinsen.
- 🏧 Es gibt drei Kartenversionen: Virtuelle Karte, klassische Karte für 5 Euro und die edle Spiegel-Karte aus Metall für 50 Euro.
- 🌐 Die Karte erlaubt Baraushebungen an Geldautomaten weltweit in jeder Währung ohne Wechselgeldgebühren, solange der Betrag 100 Euro übersteigt.
- 🔄 Die 1% Rückerstattung für Einkäufe muss jeden Monat in eine investitionsplanmäßige Investition von mindestens 50 Euro eingezahlt werden.
- 🔒 Die Karte hat Sicherheitsfeatures wie PIN-Sperre, sofortige Benachrichtigungen bei Kartennutzung und Online-Zahlungsbestätigung für neue Händler.
- 🚫 Es fallen keine Kontoführungsgebühren an, und alle Kunden erhalten denselben Zinssatz und die 1% Rückerstattung unabhängig von ihrem Kontostand.
- 💡 Die 'Roundup'-Funktion rundet Kartenzahlungen auf das nächste Euro auf und investiert den Differenzbetrag in eine ausgewählte ETF oder Aktie.
- 📊 Trade Republic hat sich zum Ziel gesetzt, den Kundenservice zu skalieren und zu verbessern, um den wachsenden Bedürfnissen der Kunden gerecht zu werden.
- 🌐 Die Karte soll in allen 16 Ländern außer Deutschland ab der zweiten Aprilwoche eingeführt werden.
Q & A
Was ist das Hauptmerkmal der neuen Trade Republic-Karte?
-Das Hauptmerkmal der Trade Republic-Karte ist, dass man den Barguthaben direkt für Zahlungen nutzen kann, ob online oder physisch, und dieser Guthaben verdient weiterhin den vollen Zinssatz von 4%.
Wie hoch ist der Zinssatz für uninvestierte Mittel bei Trade Republic?
-Trade Republic bietet einen Zinssatz von 4% pro Jahr für bis zu 50.000 Euro an uninvestierten Mitteln an.
Welche Gebühren fallen bei der Nutzung der Trade Republic-Karte an?
-Es fallen keine Kontogebühren an. Es gibt jedoch eine Gebühr von 1 Euro für Bargeldabhebungen an einem Geldautomaten, wenn der Betrag unter 100 Euro liegt. Außerdem gibt es keine Währungsumtauschgebühren.
Was bedeutet der 1% Save Back auf der Trade Republic-Karte?
-Der 1% Save Back ist eine Art von Cashback für Einkäufe. Das gesammelte Geld muss jedoch im nächsten Monat in eine Investition investiert werden, entweder in Form von Aktien oder ETFs.
Wie hoch ist die Obergrenze für den Save Back pro Monat?
-Die maximale Save Back, die man pro Monat sammeln kann, beträgt 15 Euro.
Welche Vorteile bietet die Trade Republic-Karte im Vergleich zu anderen Banken?
-Die Trade Republic-Karte bietet einen 1% Save Back für Einkäufe, keine Währungsumtauschgebühren, kostenlose Bargeldabhebungen an Geldautomaten ab 100 Euro und eine Zinsgarantie von 4% für uninvestierte Mittel.
Was ist der Unterschied zwischen der virtuellen Karte und den physischen Karten von Trade Republic?
-Die virtuelle Karte ist kostenlos und kann online oder im Store für kontaktlose Zahlungen über das Handy verwendet werden. Die physischen Karten (Classic und Mirror) ermöglichen darüber hinaus Bargeldabhebungen an Geldautomaten.
Wie hoch ist die tägliche und wöchentliche Begrenzung für Bargeldabhebungen mit der Trade Republic-Karte?
-Die tägliche Begrenzung für Bargeldabhebungen beträgt 1.500 Euro, und die wöchentliche Begrenzung 6.000 Euro.
Welche Sicherheitsmaßnahmen hat Trade Republic für die neue Karte implementiert?
-Trade Republic hat die Kartennummer, das Ablaufdatum und den Prüfcode nicht auf der Karte gedruckt, um die Sicherheit zu erhöhen. Zudem sperrt die Karte automatisch, wenn der falsche PIN mehrmals eingegeben wird.
Wann wird die Trade Republic-Karte in weiteren Ländern eingeführt?
-Die Trade Republic-Karte wird in der zweiten Aprilwoche in 16 Ländern außer Deutschland eingeführt.
Wie kann man die Arbeit des Kanals unterstützen, wenn man sich für Trade Republic entscheidet?
-Man kann die Arbeit des Kanals unterstützen, indem man den Link in der Videobeschreibung verwendet, um ein Trade Republic-Konto zu eröffnen.
Outlines
😀 Einführung in die Trade Republic Karte
Der Sprecher teilt seine Erfahrungen mit der neuen Trade Republic Karte, die er seit einigen Wochen nutzt. Er erwähnt die Vorteile der Karte, wie das 1% Save-Back-Programm für Einkäufe, das in Europa einzigartige Angebot, und vergleicht die Karte mit der von Revolut. Er betont, dass es keine Gebühren für Bargeldabhebungen am Geldautomaten gibt und dass die Karte für alle Kunden dieselben Bedingungen bietet, unabhängig von ihrem Kontostand. Zudem erklärt er, dass Trade Republic eine deutsche Broker-Firma ist, die streng reguliert ist und seit Ende letzten Jahres eine eigene Banklizenz besitzt.
💳 Funktionen und Vorteile der Trade Republic Karte
Der Sprecher erläutert die Funktionen der Trade Republic Karte, einschließlich des 1% Save-Back-Programms, das für Einkäufe gilt, und wie man damit investieren kann. Er erklärt auch die Roundup-Funktion, die es ermöglicht, den Betrag der Einkäufe auf das nächste Euro aufzurunden und den Differenzbetrag in eine Investition umzuwandeln. Er vergleicht die Gebührenstruktur von Trade Republic mit Revolut, insbesondere bei Bargeldabhebungen und Währungaustausch, und betont, dass Trade Republic keine zusätzlichen Gebühren für Währungaustausch erhebt und die Visa-Gebühren verwendet.
🔒 Sicherheit und persönliche Erfahrungen mit der Trade Republic Karte
Der Sprecher diskutiert die Sicherheitsaspekte der Trade Republic Karte, darunter die Entscheidung, keine Kartennummer, das Ablaufdatum und den Prüfcode auf der Karte zu drucken. Er erwähnt die Benachrichtigungen, die man erhält, wenn die Karte zum ersten Mal online verwendet wird oder für Zahlungen, sowie die Möglichkeit, die Karte im App zu sperren oder den PIN zu ändern. Seine persönlichen Erfahrungen zeigen, dass die Karte für tägliche Ausgaben verwendet wird und dass er die 1% Save-Back-Funktion und die Möglichkeit zur bargeldlosen Zahlung schätzt. Er kritisiert jedoch, dass die täglichen Ausgabenlimits nicht angepasst werden können und dass der Kundenservice manchmal langsam ist, was jedoch durch die schnelle Wachstumsrate von Trade Republic erklärt wird.
Mindmap
Keywords
💡Trade Republic
💡4 % Zinsen
💡1 % Save Back
💡Virtuelle Karte
💡Spiegelkarte
💡ATM-Abhebungen
💡Währungsumrechnung
💡Kommissionfreie Sparpläne
💡Sicherheitsfunktionen
💡Kostenstruktur
Highlights
使用Trade Republic卡数周的个人体验分享。
Trade Republic卡提供1%的购物返现,这是欧洲其他银行目前不提供的。
Trade Republic允许在不同货币下无手续费提现,与其他银行如Revolut相比较。
Trade Republic卡的三种版本:虚拟卡、经典卡和金属镜面卡。
Trade Republic支付高达4%的未投资资金年利率。
Trade Republic是受严格监管的德国经纪商,拥有超过400万客户。
Trade Republic卡允许直接使用账户余额进行支付,同时这些资金仍在赚取利息。
使用Trade Republic卡进行支付时,可以积累Save Back现金回馈,需在下月投资。
Trade Republic卡的安全性特性,例如不打印卡号和验证码在卡上。
Trade Republic卡的每日和每周ATM取款限额。
Trade Republic卡无货币转换费,使用Visa当日汇率。
Trade Republic卡的Roundup功能,将消费金额自动向上取整并投资。
Trade Republic卡的无账户费用和资金安全保障。
Trade Republic卡的客服服务可能较慢,但正在改善中。
Trade Republic卡计划在4月向德国以外的16个国家推出。
作者通过使用Trade Republic卡的个人体验,认为它是目前欧洲最好的借记卡。
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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