Trade RepublicRente op kassaldo
Cash at a broker · Trade Republic Bank GmbH · Germany · Directly at the bank
Promotional rateNew customers only
- Promotional rate
- 3.00%
- then 2.50%
- since 16 Sep 2026
- EffectiveThe effective annual rate for €100,000: what you really earn per year, after fees and including compound interest, so that terms and payout frequencies are comparable. The promotional rate applies for for as long as the bank offers the action (no end date stated) on at most €50,000; above that 2.50%. Interest is compounded during the term and earns interest on interest.
- 2.78%
- for €100,000
- Your return on €100,000
- €2,782
- interest per year
- Deposit guarantee
- €100,000 fully protected4 possible schemes (IE/DE/FR/SE)
Citibank Europe plc (of een andere partnerbank) · scheme of the allocated bank (Ireland, Germany, France, Sweden) · €100,000 per person per bank The provider chooses which bank holds your money; its app shows which. Other balances at that bank count towards the guarantee limit.
Your calculation for €100,000
Gross interest over 1 year: €2,782.
Existing customers do not get the promotional rate: 2.50% → €2,529 over 1 year.
The action rate has no end date: the bank can change or withdraw it at any time. This example applies it for the whole period.
In the calculation: 12 months promotional rate (€1,500), then the base rate.
Assumption: the variable rate stays the same for the whole period. Gross, before tax.
Interest built up over 1 year
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.50% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
Promotion conditions
- Promotional rate 3.00% on at most €50,000
- New customers only
- Nieuwe klanten: 3% op het kassaldo tot € 50.000, zonder einddatum (zolang Trade Republic de actie aanbiedt); het saldo daarboven en bestaande klanten krijgen de ECB-depositorente (2.5%).
- Access
- Instant access (cash at a broker)
- Minimum deposit
- none
- Maximum deposit
- not stated
- Current account required
- no
- For whom
- new and existing customers
- Open via
- Direct · available to residents of the Netherlands
- Rente moet in de app worden geactiveerd; dagelijks berekend, maandelijks uitbetaald, geen saldolimiet
- Variabele rente gekoppeld aan de ECB-depositorente
- Kassaldo wordt aangehouden bij partnerbanken (Citibank Europe plc, Crédit Agricole CIB, Deutsche Bank AG, HSBC Continental Europe S), elk met eigen wettelijke depositogarantie tot € 100.000 per klant
Deposit guarantee
€100,000 fully protected
4 possible schemes (IE/DE/FR/SE)
Citibank Europe plc (of een andere partnerbank) · scheme of the allocated bank (Ireland, Germany, France, Sweden) · €100,000 per person per bank The provider chooses which bank holds your money; its app shows which. Other balances at that bank count towards the guarantee limit.
How is my money protected?
| Where the money is held | Placed | Protected |
|---|---|---|
| Citibank Europe plc (of een andere partnerbank) bank deposit | €100,000 | €100,000 bank chosen by the provider |
Trade Republic houdt niet-belegd geld aan op een omnibus trustrekening bij partnerbanken, elk onder het eigen wettelijke depositogarantiestelsel tot € 100.000 per klant; de Nederlandse rentepagina linkt het depositogarantie-informatieblad van elke partnerbank (bron: traderepublic.com/nl-nl/rente, gelezen 2026-09-15).
Provider’s banking licence
- Institution
- Trade Republic Bank GmbH
- Status
- Verified European deposit guarantee scheme
- Scheme
- Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
Rate history
| From |
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