- Connection
- PSD2 open banking
- Coverage
- Multi-broker, EU + UK
- Auto-invest
- Coming soon, you approve
Switch to Bank AI when
You hold positions across more than one broker (Trade Republic, Scalable, Comdirect, ING, Trading 212) and you want one daily view across all of them plus your bank accounts and crypto - rather than logging into each app. And you like the idea that, coming soon, Bank AI reads what you can genuinely spare and proposes an invest-or-save move you approve, through a licensed regulated brokerage partner (your capital at risk).
Stay with Trade Republic when
You want a low-cost broker to actually buy and hold ETFs and stocks and run Sparpläne today, or you value its cash-interest offer. Trade Republic is good at the broker lane, and Bank AI is not a broker - it connects to the brokers you already use and, coming soon, proposes moves you approve rather than holding assets itself.
| Feature | Bank AI | Trade Republic |
|---|---|---|
| Product type | Sees all your money today (read-only aggregation via PSD2); deposit + auto-invest on your one-tap approval is coming soon, execution-only, via a licensed regulated brokerage partner. | Broker. Holds your securities and executes your trades; runs ETF Sparpläne and a cash-interest offer. |
| What it can see | Everything: bank accounts, 60+ EU and UK brokers and Depots, ISAs, SIPPs, pensions and crypto exchanges in one net-worth view. | Primarily the positions and cash you hold with Trade Republic. |
| Multi-broker view | First-class. Trade Republic, Scalable, Comdirect, ING-Diba, Consorsbank, Trading 212 and more in one place. | Trade Republic shows its own account; other brokers are out of scope. |
| How it decides what to invest | Coming soon. Bank AI reads how you actually spend across all accounts, works out what you can genuinely spare, and proposes an invest-or-save move you approve. | You set up trades and Sparpläne yourself; Trade Republic executes them. |
| Discretion | Execution-only. Bank AI never invests without your one-tap approval; never discretionary, never autonomous. | Self-directed; every trade is your own decision. |
| Crypto | Crypto exchanges (Bitpanda, Binance, Coinbase, Kraken, Crypto.com) included in the net-worth view. | Trade Republic offers in-app crypto trading; external exchanges are out of scope. |
| AI assistant | Built in. Ask plain-English / German questions about exposure, fees, FX, dividends and what you can afford to invest. | Not a chat-led AI assistant. |
| Geographic focus | United Kingdom and EU/EEA - 13 markets. | Germany and much of the EU/EEA. |
| Custody | Read-only. When the invest layer ships, securities are held by the licensed regulated brokerage partner; Bank AI never holds your cash, securities or crypto. | Regulated broker; assets held with its custodian bank. |
| Pricing | Paid app. Current pricing shown on the App Store. | Commission-light trading with a small per-order external fee (per Trade Republic's public pricing). |
Every broker in one view, not just Trade Republic
Bank AI brings Trade Republic, Scalable, Comdirect, ING-Diba, Consorsbank, Trading 212 and more into one daily-refreshed net worth, with Sparplan tracking surfaced correctly.
It invests what you can genuinely spare
Coming soon, Bank AI reads how you actually spend across all your accounts and works out what you can safely spare before proposing a move. Your capital is at risk when invested.
You approve every move, and it's not a broker
Bank AI is execution-only on your one-tap approval, through a licensed regulated brokerage partner - it never holds your assets and is never discretionary.
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→ - Use case
Portfolio tracker
Live positions, dividends and allocation across every broker and wrapper.
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Is Bank AI a broker like Trade Republic?
No. Trade Republic is a broker where you buy and hold securities and run Sparpläne. Bank AI is not a broker: it connects to the brokers you already use - including Trade Republic - and shows them in one net-worth view. Coming soon, it proposes an invest-or-save move based on what you can spare and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk.
Can I see my Trade Republic account in Bank AI?
Yes. Bank AI connects to Trade Republic via PSD2 open banking and surfaces your positions, Sparpläne and cash alongside your other brokers and bank accounts in one daily-refreshed view.
Can Bank AI place trades for me like Trade Republic?
Not today - aggregation is read-only. Coming soon, the invest layer can execute an invest-or-save move, but only when you approve it one tap at a time, execution-only, through a licensed regulated brokerage partner. It is never discretionary and never autonomous, and your capital is at risk when invested. For self-directed trading of individual stocks, a broker like Trade Republic remains the right tool.
Does Bank AI handle ETF Sparpläne?
Yes. Bank AI surfaces ETF Sparpläne you run across your Depots with cost basis and contributions. Coming soon, the invest layer can propose recurring invest-or-save moves you approve, through a licensed regulated brokerage partner. Your capital is at risk when invested.
Is Bank AI free?
Bank AI is a paid app; current pricing is shown on the App Store. Trade Republic offers commission-light trading with a small per-order external fee per its public pricing.
Is Bank AI read-only?
Today, yes - for aggregation. Bank AI reads your accounts to build a net-worth view; it does not move money or place trades on its own. Coming soon, the deposit and auto-invest layer proposes an invest-or-save move and executes it only on your one-tap approval, execution-only, through a licensed regulated brokerage partner. Your capital is at risk when invested.
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