T11Finance · Savings and investing
Trade Republic: cash, cashback and scheduled plans
Three Trade Republic mechanisms, explained with figures you can change: the interest on cash, the invested cashback, and the scheduled investment plan. Each chart compares with a traditional bank “X”.
Official figures of Trade Republic France, retrieved on . Other countries have different rates, fees and taxes.
1.1Warning: general information, not advice. Investing carries a risk of capital loss.
Rates are variable and retrieved on a given date (see figures and sources). Dark Majestic is not Trade Republic and has no link with it other than, where applicable, an affiliate link marked as such.
2Interest on cash
2.1Simulation (change a figure: the chart updates)
2.2Interest received on , over years
2.3How it works and what the chart does not say
How it works
Money that is not invested stays on the account and earns a yearly rate, paid every month. The interest paid is added to the balance and earns interest itself. The rate is variable: Trade Republic can lower it, as a bank can raise it. The chart assumes the rate stays the same for the whole period, which is not guaranteed.
Do not put all your eggs in one basket
The chart compares interest rates; it is not a reason to move all your savings to one place. Diversify: spread your money across several institutions and several kinds of savings, and check each one's deposit protection (guarantee limits apply per institution) and conditions on its official site.
3Cashback: Saveback
3.1Simulation
3.2Saveback received over years
3.3How it works and what the chart does not say
How it works
Each eligible card payment earns a percentage, automatically invested in the investment plan of your choice the following month. It is therefore not cash available on the account: it is an investment, whose value can rise or fall. You must keep a plan of at least €50 a month, and the amount received is capped every month.
What the chart does not say
The chart counts the euros received, with the return you choose. It does not say whether one card is better than another: the fees, conditions and benefits of a bank card depend on each person. The €50 a month plan is a condition, hence a commitment to invest: take it only if you want to.
4Scheduled investment plan
4.1Simulation (the return is an assumption, not a forecast)
4.2Against a traditional bank X that charges fees, over years
Cumulative money lost because of the fees of bank X
4.3How to read this chart
Each bar is a cumulative figure: the total gap between Trade Republic and bank X since the start, up to that year (it is not a yearly amount). The last bar is the final gap. This chart has its own scale (from 0 to the largest gap), smaller than the one of the gains above.
4.4Why a scheduled plan, and its limits
Why a scheduled plan
A plan invests the same amount on a fixed date whatever the price: you do not have to guess the “right moment”, and the habit of saving sets in. With no fee per payment, every euro paid is invested; with fixed fees, part of each small payment is lost in advance, and the gap grows with time.
The limits, to read first
A plan guarantees neither a gain nor your capital: its value can fall and you can get back less than you paid in. It assumes a long horizon and a loss you can accept; money you may need quickly belongs in other products.
5DATA: Figures and sources
Figures taken from the official Trade Republic France pages on . They change: check them on the official page before any decision. The links below open only if you click.
6Frequently asked questions
6.1What interest rate does Trade Republic pay on cash?
On 6 October 2026, the official French page announces 3% a year for new customers, up to €50 000, and says that balances above €50 000 receive the ECB deposit facility rate, then 2.5%. The rate is variable; interest is calculated daily and paid monthly. This page uses 2.5%, the rate outside the promotion.
6.2How does Saveback, Trade Republic's cashback, work?
Saveback invests 1% of eligible card payments in the investment plan of your choice, up to €15 a month (that is €1 500 of payments), provided you keep a plan of at least €50 a month. The amount invested follows the markets: it is not guaranteed.
6.3Does a scheduled investment plan at Trade Republic have fees?
According to the official help pages, scheduled plans in shares and ETFs carry no transaction fee, against €1 per order outside a plan. The ETF's management fees and the gap between buying and selling prices remain the investor's cost.
6.4How are interest and gains taxed in France?
Interest and capital gains on securities are in principle subject to the French flat tax of 31.4%, that is 12.8% income tax and 18.6% social contributions, except for cases such as the PEA, life insurance or the option for the income tax scale.
6.5Can you lose money with an investment plan?
Yes. The value of a plan can fall and the invested capital is not guaranteed. The returns used on this page are editable estimates, not forecasts.
6.6Is Dark Majestic linked to Trade Republic?
The site is independent of Trade Republic. Any affiliate link, if there is one, is marked “Advertisement” at the top of the page.