Trade Republic Saveback: 1% of Card Spending Invested, Capped at 15 EUR a Month
Trade Republic invests 1% of eligible card payments from your cash balance into a savings plan you choose, up to 15 EUR a month (1,500 EUR of spending). You need at least 50 EUR a month in savings plans.
Researched and rated by the BrokerBonuses editorial team · Last verified 2026-10-08 · How we rate
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.
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Availability
Checking availability…The catch
Saveback is invested into your chosen savings plan, not paid as cash. After that it is ordinary portfolio holdings you can sell. Months where the 50 EUR savings plan condition is missed lose their Saveback.
How to claim
- Open a Trade Republic account and order the Trade Republic card.
- Activate Saveback in the app and pick the savings plan that receives the reward.
- Keep at least 50 EUR per month in weekly, twice-monthly or monthly savings plans (quarterly plans do not count).
- Pay with the card from your cash balance. Saveback is invested on the 2nd of the following month.
Full review
Saveback is Trade Republic's standing card reward. Every month, 1% of eligible card payments made from your cash balance is invested into a savings plan of your choice. The cap is 15 EUR per calendar month, which you reach at 1,500 EUR of card spending, so the most you can collect is 180 EUR a year. Several third-party guides also mention 2% for crypto payments with a 30 EUR cap, but the official German support page only lists the 1% and 15 EUR rule.
The catch is that it is not cash. The reward is invested, not paid out, and it only counts if you keep at least 50 EUR a month in savings plans (weekly, twice monthly or monthly plans; quarterly plans do not count). If you miss the 50 EUR condition in a month, that month's Saveback expires. The reward is invested on the 2nd of the following month. Only "eligible" card payments count, and some transactions are excluded under a separate support article. A normal user spending 800 EUR a month earns 8 EUR a month.
Eligibility: customers with a Trade Republic card in countries where the feature is offered (checked on the German and Austrian support pages). It is a permanent feature rather than a dated promotion, but Trade Republic can change it at any time.
Pros
- +Permanent feature, no promo window to miss
- +1% back on eligible card spending
- +No cash deposit or trading volume needed
- +Regulated German bank
Cons
- −Reward is invested, never paid as cash
- −Cap of 15 EUR per month, 180 EUR per year
- −Requires at least 50 EUR a month in savings plans
- −A month reward expires if the savings plan condition is missed
- −Some card transactions are excluded
- −Terms can change at any time
1% Saveback, max 15 EUR/month with Trade Republic
Now you know the terms. Claim it on the broker's own site.
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, Minimum deposit, Account type, Withdrawal terms, Turnover requirement, Eligible countries.
Broker regulation: Germany (license Full German banking licence (credit institution), granted by the ECB in December 2023; supervised by BaFin and Bundesbank).
- Bonus terms and conditions: support.traderepublic.com ↗
- Trade Republic official site: traderepublic.com ↗
Last verified 2026-10-08. Next review within 60 days.