Trade Republic Travel Card | Our Favorite

La Trade Republic card, is a debit card Mastercard linked to your Trade Republic account, a German neobroker known for its investment focus. But its card has such good conditions for payments and withdrawals abroad which has also become an essential tool for many travelers, including us, who have used it for practically everything since April 2024. As we told you throughout the entry, today our Opinion on the Trade Republic travel card It is the market option.

1. No commissions abroad

One of the biggest headaches when traveling is fees for payments and withdrawals abroad. With the TradeRepublic card you completely forget, unlike other popular cards such as N26 or Revolut, where you always end up paying something since their commission-free withdrawals are limited, or for example, in the case of Revolut, on weekends they charge you 1% of everything you pay in foreign currency.

• Payments in foreign currency: No additional fees apply when paying in another currency. The exchange rate used is the Master officercard, which is very competitive.
• ATM withdrawalsYou can withdraw cash from any ATM worldwide fee-free if you withdraw more than €100. Otherwise, the fee is €1 (although the ATM may charge a fee, which is common in some countries).

Tip! ⚠️ Whenever you pay abroad and the payment terminal gives you the option to pay in local currency or euros, always choose the local currency. applycarplus the exchange rate Mastercard, otherwise the change will be made by the bank issuing the dataphone, which has very abusive exchange rates.

2. Cashback on everyday purchases

In some countries, TradeRepublic offers saveback (refund of money) of all your card expenses, such as supermarkets, transport, or restaurants. 1% may seem small, but it's already 1% more than other cards, so it's also useful for everyday use. Everything you spend with your Trade Republic card Whether for travel or everyday use, the total amount will accumulate and at the beginning of the following month will be converted into shares that you have previously chosen with an equivalent amount, up to a maximum of €15.

3. Total security and control

For us this is a very key aspect, both the Trade Republic travel card and the most popular ones on the market have it.

• Instant lockIf you lose your card or suspect fraudulent use, you can block it instantly from the app. It freezes, so if you find it later, you can unfreeze it.
• Notifications in real time: You'll receive alerts for each transaction, allowing you to maintain complete control over your spending.
• Changing the limits: Updating the limits is quick and easy; we always keep them very low (around €100) in case we lose our card or it gets stolen.car money or make a higher payment we temporarily raise it.

On this third point we can add that paying for the Barcelona metro with the Trade Republic card somehow doubles our earnings.carThey collected my data and started making payments from a company located in Germany. By the third payment we were automatically blocked due to fraudulent activity. It was later unlocked and in about two weeks the bank's insurance reimbursed us for the stolen money.

4. Trade Republic App

Again, this is common, but it's still one of the advantages of using neobanks. The app is very comprehensive, although it can be a bit confusing at first. You'll be able to have access to everything related to your card, in addition to the possibility of making investments easily and with very low commissions (or no commissions).

Disclaimer: Investing in capital markets involves risks, including the loss of invested capital. Past performance is not a reliable indicator of future results.

Through the App also you will add the funds, you can do it by SEPA transfers or instant transferKeep this in mind before you start traveling with your Trade Republic card, as it can take up to two business days for your transfer to arrive, depending on the issuing bank.

• SEPA transfersIf you make a transfer from a bank accountcarIn the European Union, money usually arrives in 1-2 business days.
• Instant transfersSome banks offer free instant transfers, which means the money can be available in a matter of seconds.

⚠️ You can only send money to your Trade Republic account from a bank accountcaria in your own name.

5. Rentmonthly ability

Trade Republic offers the highest market return on the money in your account, matching the rate of interest of the European Central Bank (ECB)The highest rate on the market for euros, and without having to spend x per month, or have your payroll deposited, or any of the other conditions imposed by traditional banks. This profitability varies depending on the ECB's updates. - Currently, as of June 1, 2026, it is 3%..

6. Free card

You will not have no maintenance required and you can use the virtual card for free or request a physical one, which is also free. You'll only have to pay 5 euros shipping.

For example, we whole Trip to china We did it with the virtual card added to Alipay (their preferred payment method). But in general, we always recommend asking for a physical card because it allows you to withdraw cash from ATMs.

How to apply the Trade Republic Travel Card

1. Open an account at Trade Republic: SomecarDownload the app and register ▶ Using this link
2. Add the invitation code LLN905M7 to get a welcome gift
3. Request the cardFrom the app, follow the steps to request it. You won't be able to do so when you receive it.carbecause it requires identity verification. Get the physical card It costs 5 euros and takes about two weeks to arrive. ⚠️ We know of cases where it has taken almost a month, so it's better. ask for it with a good margin.
4. Activate it and start using itOnce you receive it, activate it from the app and that's it! You can now use your Trade Republic card on all your trips.

If you don't have any other cards yet, we recommend that you not only get the Trade Republic card, but also at least one more. So you will have alternative In case of loss, duplicate card, or if a payment error occurs. Our second favorite is N26.

Comparison with other travel cards

In the article of the 4 Best cards for traveling We talk in more detail about each one and you will find one more extensive comparisonHere are some of the key points in summary form.

Opinion Trade Republic for travel + Experience

Throughout the entry there is no doubt that our Opinion on the Trade Republic card It's very good. I'm writing this section in 2026 and it's still our primary option for all payments abroad. Since we spend a large part of the year traveling, you could say it's our main card.

To date we have used it in more than 10 different countries, and we haven't had a single problemWe really like their app, the cashback system, and the ability to withdraw in any currency without worrying about fees. Although the countries we've been to recently, like New Zealand, South Korea or Australia what we have used the most is digital card payment and online payments, such as for reservations in Booking.

We hope that it has been useful for you to know our Opinion on the Trade Republic travel card And because we prefer it over other more popular options. If you have any questions, please leave them in the comments and we'll try to help you ☺️

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