BrokerBonuses
en
Interest on balance

Trade Republic Interest on Cash: 2.5% a Year on Uninvested Balance (Germany)

by Trade Republic

2.5% p.a. on cash Perk

Trade Republic's German site advertises 2.5% a year on uninvested cash, paid monthly. The rate follows ECB policy and is not guaranteed.

Stock ETFsBondsOptions
Germany · Tier-1 ✓ Verified 2026-10-08

Researched and rated by the BrokerBonuses editorial team · Last verified 2026-10-08 · How we rate

Claim bonus Read full terms

Risk warning: Trading carries a high risk of losing money, especially with leveraged products such as CFDs. A bonus does not reduce that risk. Only deposit what you can afford to lose.

Time limit None / unspecified
Account type Trade Republic customer account (cash balance)
How to claim Automatic

Availability

Checking availability…
Eligible countries
DE
Restricted
US

The catch

Interest is credited to the cash account around the 1st of the following month and can be withdrawn like any other balance. Rate and eligible balance cap can change at any time.

How to claim

  1. Open a Trade Republic account and complete identification.
  2. Deposit cash into your account.
  3. Leave the balance uninvested. Interest is credited monthly.

Full review

Trade Republic pays interest on the uninvested cash in your account. The German page showed 2.5% p.a. on 2026-10-08, up from 2.0% earlier in 2026, and the Austrian page showed 3% p.a. Interest is calculated daily on the end-of-day balance and credited at the start of the following month. Third-party guides say the old 50,000 EUR cap no longer applies, but Trade Republic's own wording says the maximum interest-bearing amount depends on country and account type and is shown in the app.

The catch is that the rate is variable and not guaranteed. It tracks ECB policy rates and has been changed several times: 4% in early 2024, 3.75% from June 2024, then 2.0% by spring 2026 and 2.5% now. It is not a welcome offer, just the standing rate for everyone. Cash is held at partner banks, and higher balances can also sit in money market funds that are not covered by statutory deposit insurance. In February 2025 the Verbraucherzentrale Baden-Wuerttemberg sued Trade Republic over allegedly misleading claims about this interest and the protection of customer cash, so read the deposit-protection wording in the app.

Eligibility: residents of Trade Republic's contract countries. The 2.5% is verified for the German site only.

Pros

  • +Paid on all uninvested cash with no minimum trading
  • +No lock-up, money stays available
  • +Interest credited monthly
  • +Regulated German bank

Cons

  • −Variable rate that follows ECB policy and has changed several times
  • −Maximum interest-bearing amount depends on country and account type
  • −Part of customer cash may sit in money market funds without statutory deposit insurance
  • −Subject of a consumer-group lawsuit over interest and deposit-protection claims
  • −Rate verified for Germany only; other countries differ

2.5% p.a. on cash with Trade Republic

Now you know the terms. Claim it on the broker's own site.

Claim bonus Full terms

Sources & verification

We research every bonus from the broker's official pages and re-check it on a 60-day schedule.

Confirmed against official sources: Bonus amount, Account type, Eligible countries.

Broker regulation: Germany (license Full German banking licence (credit institution), granted by the ECB in December 2023; supervised by BaFin and Bundesbank).

Last verified 2026-10-08. Next review within 60 days.