Trade Republic: Bonds, ETFs and 4% Interest! What's the Catch?

Trade Republic, one of the best brokers in Europe for ETFs and stocks just launched a massive update!

You now earn 4% interest per year on euro deposits, secured by a 100000€ bank deposit guarantee and you can now invest in bonds starting from only 1€! That's in addition to it's commission-free recurring investments into stocks and ETFs and its flat trading fee of only one euro.

Since the broker also introduced a major redesign of its app, we'll review every important aspect:
- Why Trade Republic is one of my favorite low-cost brokers in Europe
- How to enable the 4% interest rate (Is there a catch?)
- How to buy bonds, ETFs and stocks on Trade Republic, either via direct order or a commission-free recurring investment (aka. savings plan)
- As well as basics like depositing and withdrawing money to save you some time

My Favorite Brokers (ETFs & Stocks):

My Top 3 in P2P Lending:

Our main ETF: Vanguard FTSE All-World Accumulating (ISIN: IE00BK5BQT80, Ticker: VWCE)

🎥 You'll enjoy these as well:

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Some of the links are affiliate links, which help support me and the YouTube channel. Still, none of the links are sponsored.

Disclaimer: I am only sharing my own experience. I'm not a financial advisor and you should always do your own research and due diligence before investing. Investing involves risk of losses.

[AngeloColomboFi]

How do you feel about Trade Republic's features and its new app?

[johnosullivan]

what interest rate will you get if you hold 100 thousand in the cash account? 4 percent on the first 50 grand, but what rate will you get on the other 50 grand

[slav_o]

Seems very useful for European investors indeed. I wish I'd known about it before signing to 5 other platforms to get all the benefits you've listed in this video.

[valeriorenna]

Hi Angelo, great video! I would love a video tutorial on how to purchase bonds on IBKR. As you mentioned, it is pretty complicated unfortunately. But with the current interest rates, I am sure many of us would find such a video extremely helpful.

[greenramona]

Thanks for that! I have a question. Isn't 3%+ a low margin compared to 10%+ that S&P or other options might offer? Is there a particular reason why you chose to diversify to those bonds? I'd love to hear your thoughts! :)

[williampegram]

Hi Angelo, thank you for the excellent content. I am reading many of your great responses to lot's of interesting questions from the community. I'm totally blown away at your dedication to your channel community & very grateful! Thank you.

[ercansavci]

Thanks Angelo, great video again! What I am wondering is how long the 4% is going to last. Scalable capital was also offering 2.6+1.4% but they reduced it back to 2.6% after a short while

[alessandrosilvestri]

Hi, I live in the Netherlands and was considerino Trade Republic. I waa wondering: do I need to declare the amount of money I have in TR getting a 4% interest? And what about if I buy some ETFs? I am asking because I understood it is declarative, therefore I need to declare. What is the disadvantages with ad administrative bank/broker?

[gotask]

Great video! I actually tried it but the support is the worst out there. It takes days to reply (only by email) and when they reply they might just copy/past information instead of answering your question which is a problem when you have 5k 10K in your account and need help. My tip - Test the support/safety...everything before and make sure it is good for you.

[anastasialazareva]

Thank you! Great info. I just relocated to Spain from US and trying to figure out the best way to invest in Euros. Your videos are very helpful and easy to watch!!! Definitely using your links to sign up:)

[Teccae]

Thanks for the video! I was already using TR, but the 4% interest is definitely awesome!

[paulireland]

How would you get proof that you own shares say X amount of shares in a company, so that you apply to the company for some sort of benefit perks of owning that amount of shares/stocks?
is there a screen that wills how your name and that you hold X amount of shares in whatever?

[facundonotar]

Hello Angelo, thanks for this video! I'm pretty new to the world of investing but I decided to use Trade Republic a few weeks ago. Could you make a video showing the key data that we should take into account when purchasing a bond? Could you show us a practical example in more detail?

Thank you !

[Lenochkina]

So thanks to your explanation, I understand the basics. I would appreciate to understand the difference between a commission free recurring investment and the shares buying. Thank you in advance!

[sergisanzprieto]

Does anyone know why I get interest on the money it is under earned interest but it doesn’t add up to my cash as if I couldn’t access it

[franciscoribeiro]

Hi, Angelo.
Is it possible to choose the amount to withdraw from trade republic?
Thanks for your honesty, keep up with your awesome work!

[andrefulgencio]

Hi Angelo, great contents! I’m also living in Austria and I actually have a question: why do you need to use so many different brokers? I am understand the difference of some of them before, but now for example seems Trade Republic would offer all the same ETFs like the others such as Interactive Brokers or not? If you have to choose only one to all the investments you suggest: which one would prefer?

[ewertonluan]

Yes there is a catch, no customer service at all! If you try to speak with someone because you have some issue you only have access to an automatic chat or "chat bot" that if it doesn't manage to help you out doesn't redirect you to a real person or suggest a contact like email/phone number. If you search in their website you find anything, but the sale email is there :)(and of course they didn't answer)

I wanted a very simple action of download a transaction confirmation as it is possible in any bank account and there is not possible. I though okay I will talk with the support maybe they can help me out and nope, I just have a bot with pre selected answer and questions that it ends with sorry that I could not help you please leave a rate!!

Of course the other parts of the video are true and well informed, and the support it is a big point principle when we are talking about our money. How can I trust in leave my savings and do payments with a bank that offer no support ?

[dejviddejvich]

Your opinion about ibrk are moving to Ireland from Hungary and reduces insurance from 100.000 € to 20.000?

[martinm.]

Dear Angelo, Thanks for the video. Have consider showing how to buy Bonds on Interactive Brokers, perhaps showing how to buy Bond ETF, for tax purposes? thanks!