Flatex vs Trade Republic Comparison
| 0.7 % | Fees | 0 % |
| € 7.00 | Cost for €1,000 | € 9.00 |
| 20 | Cryptos | 50+ |
| SEPA Transfer | Payment Methods | SEPA Instant Transfer, SEPA Transfer, Credit Card |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | BaFin license as a securities institution |
FlatexWinner
vs
Trade Republic
Pros & Cons
Pros
- BaFin-regulated German bank with a full licence
- Crypto ETPs held in a standard portfolio alongside shares and ETFs
- German tax certificate included
- Established provider, in business since 1999
Cons
- No direct crypto trading, only ETPs and ETNs
- No withdrawal to a personal wallet
- Order fees on top of ongoing product costs (TER)
Pros
- BaFin-licensed as a securities institution based in Germany
- Savings plans for crypto, stocks, and ETFs available from €1
- No explicit trading fees for crypto – 0 % trading fees
- Over 50 cryptocurrencies tradable alongside stocks and ETFs
- Deposits via SEPA, SEPA instant transfer, and credit card
Cons
- Wallet transfer to your own wallets currently not available – occasionally criticized by users
- Cost transparency on crypto spreads, according to users, has room for improvement
- SMS-based 2FA security – advanced authentication has room for improvement
Score Comparison
4.0Usability2.7
3.6Features2.7
3.7Fees2.8
4.4Stability2.5
4.0Support2.5
User Experiences
AI Analysis—
App Store
4.6—
Google Play
4.5—
Trustpilot
3.3Existing brokerage clients value the simplicity; crypto purists miss owning real coins.
According to the evaluated user data, Trade Republic is especially appreciated for its intuitive and clear app. At the same time, users report room for improvement in support, while fees and individual aspects of the app are perceived in mixed ways according to reviews.
Investing carries a high level of risk, up to and including total loss of capital. This is not investment advice. As of July 2026, without guarantee.
Features
FlatexTrade Republic
| ✓ | Savings plan | ✓ |
| ✓ | Staking | ✓ |
| ✓ | Wallet transfer | ✓ |
| ✓ | Credit card payment | ✓ |
| ✓ | BaFin regulation | ✓ |
| ✓ | Web platform | ✓ |
| ✓ | Mobile app (iOS/Android) | ✓ |
| ✓ | Stocks & ETFs | ✓ |
| ✓ | SEPA instant transfer | ✓ |
- Crypto in a securities wrapper for conventional portfolios
- Neobroker for crypto, stocks, ETFs, and derivatives from a single source
- Savings plans from €1 for long-term wealth building
- BaFin-regulated with a German bank account
- Over 50 tradable cryptocurrencies
Details
FlatexTrade Republic
| flatexDEGIRO Bank AG | Company | Trade Republic Bank GmbH |
| 2005 | Founded | 2015 |
| Crypto custodian Tangany GmbH has a BaFin license. | Regulation | BaFin license as a securities institution |
| € 1 | Minimum Amount | € 1 |
| eID, Video-ID, PostIdent | KYC | Video-ID |