Trade Republic is a German digital bank and investment platform that allows users to trade stocks, ETFs, cryptocurrencies, and other assets through a simple mobile app while also offering savings and everyday banking features. Founded in 2015 and headquartered in Berlin, Trade Republic started as a low-cost “neo-broker” focused on commission-free investing, but has since evolved into a fully licensed bank under the European Central Bank. Today, it serves millions of users across Europe and provides services such as ETF savings plans, fractional shares, interest on uninvested cash, and a debit card with a personal IBAN for payments and transfers . Its main appeal is simplicity and low fees, although users sometimes note limitations in customer support or advanced trading features.