Trade RepublicRente op kassaldo
- Promotional rate
- 3.00%
- then 2.50%
- since 16 Sep 2026
- EffectiveThe effective annual rate for €25,000: 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.
- 3.04%
- for €25,000
- Your return on €25,000
- €760
- interest per year
- Deposit guarantee
- €25,000 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 €25,000
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.
Rate and conditions
| Balance | Rate |
|---|---|
| €0 – and up | 2.50% |
- Interest payout
- monthly, compounded (interest on interest)
- Fees
- none
- 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
Deposit guarantee
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 | €25,000 | €25,000 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).
Other brands on the same licence: SimpleSave.
Provider’s banking licence
- Institution
- Trade Republic Bank GmbH
- Status
- Verified European deposit guarantee scheme
- Scheme
- Entschädigungseinrichtung deutscher Banken GmbH (EdB) (Germany)
- Guarantee
- €100,000 per person per institution
- Verification
- Wettelijke DGS-informatie van Trade Republic Bank GmbHsource ↗ · 2 Sep 2026
details
EdB); kassaldo staat bij partnerbanken met eigen DGS — zie custody-structuur
Taxes
- Country
- Germany
- Withholding tax
- No withholding tax
- Standard rate
- 0.00%
- For a Dutch saver
- 0.00%
- Notes
- Germany withholds no tax on savings interest of non-residents: you receive the full interest.
Rates are gross. The Dutch box 3 wealth tax is separate and not included.
Read on: Is saving at a foreign bank safe? How the deposit guarantee works in Europe · Saving more than €100,000: how to spread your money across banks
Rate history
| From | Rate | Until |
|---|---|---|
| 16 Sep 2026 | 3.00% | current |
| 15 Sep 2026 | 3.00% | 16 Sep 2026 |
| 2 Sep 2026 | 3.00% | 15 Sep 2026 |
All historic rates of Trade Republic →All savings products of Trade Republic →
- 29 Oct 2026Trade Republic – Rente op kassaldo: conditions changed
- 16 Sep 2026Trade Republic – Rente op kassaldo: rate structure/conditions changed
- 15 Sep 2026Trade Republic – Rente op kassaldo: rate structure/conditions changed
- 2 Sep 2026New: Trade Republic – Rente op kassaldo 3.00%
Rate checked on 2 Nov 2026.