Trade Republic — Berlin-headquartered broker with an EU banking licence, popular for fractional shares, ETFs and recurring savings plans across Europe.
- Markets
- 11
- Asset classes
- Stocks / ETFs / Bonds
- Connection
- PSD2 (read-only)
Positions and live P&L
Stocks, ETFs, bonds and fractional positions read directly from the Depot, with cost basis and current value computed in your home currency.
Cash and Tagesgeld
Trade Republic cash balance, including the interest-bearing balance, sits next to your bank current accounts in the same view.
Dividends and distributions
Incoming dividend and ETF distribution flows are tagged so income vs. price return is visible alongside the underlying position.
ETF Sparplan cadence
Recurring ETF-Sparplan transactions are surfaced alongside the resulting positions so the cumulative cost basis is always visible.
- United Kingdom
- Ireland
- Germany
- France
- Italy
- Spain
- Belgium
- Luxembourg
- Netherlands
- Portugal
- Czech Republic
- Stocks (incl. fractional)
- ETFs
- Bonds
- ETF Sparplan
- Cash and Tagesgeld interest
- Depot (DE)
- ETF Sparplan (DE)
- Brokerage account (other EU)
- What is my exposure to US tech across Trade Republic and my UK ISA combined?
- How much have I contributed to my Trade Republic ETF Sparplan year-to-date?
- What dividends did I receive from European stocks last quarter?
- Compare my Trade Republic returns vs. my other broker over the last 12 months.
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Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Does Bank AI place orders on my Trade Republic Depot?
No. Bank AI is read-only by design. We surface positions, cash, dividends and Sparplan flows so you can see the picture, but every order continues to be placed inside the Trade Republic app. We never move money or trade securities on your behalf.
How does Bank AI connect to Trade Republic?
Trade Republic operates under an EU banking licence and exposes account data via PSD2. Bank AI uses licensed Account Information Service Providers (AISPs) to read positions, cash and transactions; Strong Customer Authentication is enforced every 90 days as the rules require.
Does Bank AI calculate Abgeltungssteuer?
No. The 25 percent Abgeltungssteuer plus solidarity surcharge is applied by Trade Republic at source for German tax residents. Bank AI surfaces the underlying dividends, sales and interest so the audit trail is clean, but tax filing is handled by your annual statement or dedicated tax software.
Can I see Trade Republic alongside my UK ISA or French PEA?
Yes - that is the core proposition. Bank AI reads each broker into its correct wrapper account. Your Trade Republic Depot, your Hargreaves Lansdown ISA and your BoursoBank PEA all live in the same multi-currency view, with multi-broker performance comparable in one place.
What happens if Trade Republic raises a connectivity error?
PSD2 connections occasionally require re-authentication (the 90-day SCA refresh) or fail because of a Trade Republic-side maintenance window. Bank AI shows a clear status pill on the connection and prompts you to re-authenticate without losing the rest of your data.
Is my Trade Republic data stored outside the EU?
No. Bank AI processes broker data in EU regions by default, with AES-256 encryption and EU-region key management. Trade Republic itself is the custodian of your securities; Bank AI never holds them.
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