{"id":324717,"date":"2026-01-28T22:26:08","date_gmt":"2026-01-28T22:26:08","guid":{"rendered":"https:\/\/northern.finance\/bonus\/trade-republic-alternatives-2026-who-can-do-more\/"},"modified":"2026-04-24T11:06:53","modified_gmt":"2026-04-24T11:06:53","slug":"trade-republic-alternatives","status":"publish","type":"post","link":"https:\/\/northern.finance\/en\/review\/trade-republic-alternatives\/","title":{"rendered":"Trade Republic alternatives 2026: Who offers more?"},"content":{"rendered":"\n<p class=\"wp-block-paragraph\">As one of the first neobrokers on the German market, Trade Republic has quickly become one of the most popular providers. However, Trade Republic is no longer the only choice when it comes to selecting the right neobroker. In recent years, exciting Trade Republic alternatives have established themselves.   <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen\">\n<div class=\"wp-block-group__inner-container\">\n<p class=\"nf-boxen-p-gut-zu-wissen\"><strong>In brief:<\/strong><\/p>\n<ul class=\"infobox-ul\">\n<li class=\"infobox-li\">For share and ETF trading, Trade Republic alternatives such as Finanzen.net zero offer a wider range of savings plans and higher savings rates.<\/li>\n<li class=\"infobox-li\">Consorsbank stands out from the competition as a Trade Republic alternative thanks to its flexible card options, sub-accounts and personalised support.<\/li>\n<li class=\"infobox-li\">Significantly higher interest rates than those offered by Trade Republic are available via P2P platforms such as Go &#038; Grow (formerly Bondora Go &#038; Grow) or Monetfit SmartSaver.<\/li>\n<li class=\"infobox-li\">For genuine cryptocurrencies with more choice and often better terms, crypto exchanges such as Coinbase or Binance are often superior to neobrokers.<\/li>\n<\/ul>\n<\/div><\/div><\/div>\n\n\n\n<h2 class=\"wp-block-heading\">Trade Republic alternatives: the best brokers compared<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">When it comes to investing, Trade Republic is often the centre of attention. The provider currently serves 10 million customers in 18 countries and manages \u20ac150 billion. However, <strong>several Trade Republic alternatives have also established themselves as serious competitors<\/strong>, ironing out Trade Republic&#8217;s frequently cited weaknesses.   <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"729\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-1-3.png\" alt=\"\" class=\"wp-image-324721\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-1-3.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-1-3-300x219.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-1-3-768x560.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Trade Republic may be one of the most popular platforms for securities trading, but the provider is repeatedly shaken by <strong>negative headlines<\/strong>.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>One of the biggest drawbacks<\/strong> that users repeatedly mention is the <strong>slow customer service response time<\/strong>. Customers looking for personal support are in the wrong place at Trade Republic \u2013 because it doesn&#8217;t exist. If you choose to contact them by email, you can expect <strong>long waiting times<\/strong>, which often causes frustration.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another weakness of the neobroker is <strong>trading outages during periods of high demand<\/strong>. In April 2025, for example, Trump&#8217;s tariff increases led to a temporary surge in demand on the platform. However, the platform was not technically equipped to handle the rush, which meant that investors were <strong>unable to trade via the app<\/strong> for several hours.  <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"793\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-2.png\" alt=\"\" class=\"wp-image-322062\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-2.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-2-300x238.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-2-768x609.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">These and other disadvantages mean that investors often look for better <strong>alternatives to Trade Republic<\/strong>. We have taken a closer look at the best ones for you. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trade Republic alternative: Scalable Capital with greater flexibility<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">In addition to Trade Republic, the German neobroker Scalable Capital, <strong>founded in Munich in 2014<\/strong>, has developed into an attractive Trade Republic alternative for investors, already trusted by <strong>over 1 million customers<\/strong>. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"525\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-3-6.png\" alt=\"\" class=\"wp-image-324727\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-3-6.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-3-6-300x158.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-3-6-768x403.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The broker also allows you to invest in numerous asset classes such as shares, ETFs, funds, derivatives and crypto, as we have already shown in our <a href=\"https:\/\/northern.finance\/en\/review\/scalable-capital-vs-trade-republic\/\"><strong>Scalable Capital vs. Trade Republic<\/strong><\/a> <strong>comparison<\/strong>. <\/p>\n\n\n\n<h4 class=\"wp-block-heading\">What makes Scalable Capital superior? <\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">With Scalable Capital and Trade Republic, you can invest <strong>in thousands of share and ETF savings plans<\/strong> <strong>starting from as little as \u20ac1 per month. <\/strong>However, Scalable has the edge when it comes to <strong>maximum savings rates,<\/strong> and Scalable Capital also offers its customers the <strong>greatest flexibility<\/strong> in the execution of savings plans, which is another point in its favour.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large is-resized\"><img decoding=\"async\" width=\"586\" height=\"1024\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6-586x1024.png\" alt=\"\" class=\"wp-image-324733\" style=\"aspect-ratio:0.763682753041476;width:453px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6-586x1024.png 586w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6-172x300.png 172w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6-768x1343.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6-878x1536.png 878w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-4-6.png 883w\" sizes=\"(max-width: 586px) 100vw, 586px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Direct debit is possible with both providers, and the costs for executing savings plans are identical at \u20ac0 for both Trade Republic and Scalable Capital, making it all the more interesting to take a look at the spread.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-large\"><img decoding=\"async\" width=\"1024\" height=\"684\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/image-46-1024x684.png\" alt=\"\" class=\"wp-image-320543\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/image-46-1024x684.png 1024w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/image-46-300x200.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/image-46-768x513.png 768w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/image-46.png 1403w\" sizes=\"(max-width: 1024px) 100vw, 1024px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Finding out the spread wasn&#8217;t such an easy task, but after some research, I found the details. The spreads at Trade Republic vary widely: in the best case, they can be lower than at Scalable Capital, but in the worst case, they can also be higher.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Overview: Trade Republic vs. Scalable Capital <\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><thead><tr><th><\/th><th><strong>Trade Republic<\/strong><\/th><th><strong>Scalable Capital<\/strong><\/th><\/tr><tr><th>Minimum savings rate <\/th><th>1 \u20ac<\/th><th>1 \u20ac<\/th><\/tr><tr><th>Max. Savings rate<\/th><th>5.000 \u20ac<\/th><th>10.000 \u20ac<\/th><\/tr><tr><th>ETF savings plans<\/th><th>2.700<\/th><th>2.700<\/th><\/tr><tr><th>Share savings plans<\/th><th>3.000<\/th><th>3.000<\/th><\/tr><tr><th>Spreads<\/th><th>0,10 % &#8211; 0,30 %<\/th><th>0,16 % &#8211; 0,27 %<\/th><\/tr><\/thead><\/table><\/figure>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">The spread is the difference between the purchase price and the selling price of a security. The larger the spread, the more expensive the trade is for you.  <\/p> \n<\/div><\/div><\/div>\n\n\n\n<h4 class=\"wp-block-heading\">What do we like less about Scalable Capital?<\/h4>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of costs, both providers are neck and neck, which definitely points to <strong>positive market development<\/strong>. Just 10 years ago, free savings plans for shares and ETFs in the thousands would have been simply unthinkable.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Many investors were also concerned that <a href=\"https:\/\/northern.finance\/en\/save-money\/spread-and-fees-trade-republics\/\">Trade Republic might have hidden costs<\/a>. Investors are now benefiting much more from increased competition and greater transparency. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">However, in our opinion, Scalable Capital does have one disadvantage, and that is the significantly <strong>slower account opening process<\/strong>. With Trade Republic, this happens immediately after verification, whereas with Scalable it can take up to three banking days. <\/p>\n\n\n\n<iframe width=\"560\" height=\"315\" src=\"https:\/\/www.youtube.com\/embed\/VsRCk3WZf7w?si=hgfefnMcdljWOMNa\" title=\"YouTube video player\" frameborder=\"0\" allow=\"accelerometer; autoplay; clipboard-write; encrypted-media; gyroscope; picture-in-picture; web-share\" referrerpolicy=\"strict-origin-when-cross-origin\" allowfullscreen><\/iframe>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of costs, both providers are identical and allow both direct debit payments and free savings with share and ETF savings plans. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trade Republic Alternative 1: Bondora Go &amp; Grow with high liquidity<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If 2% interest is not enough for you, you also have the option of higher-interest P2P lending with daily availability. The <strong>market leader in this area is<\/strong> <a href=\"https:\/\/northern.finance\/go\/bondora\/\">Go &amp; Grow (formerly Bondora Go &amp; Grow)<\/a>. If you are willing to take a higher risk, you can earn a whopping <strong>6% interest<\/strong> per year here.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"541\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-9-2.png\" alt=\"\" class=\"wp-image-324757\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-9-2.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-9-2-300x162.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-9-2-768x415.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">The <strong>advantage of Bondora<\/strong> is that you invest in a pool of loans and can withdraw your money just as quickly as you invested it. Thanks to the provider&#8217;s <strong>high liquidity reserves<\/strong>, your money is usually back in your account within a few seconds. For me, this is the biggest advantage of this interesting Trade Republic alternative.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another advantage for me is the daily crediting of interest, which gives me a certain sense of security. In total, I have already invested over <strong>\u20ac9,000, of which \u20ac2,300 is interest.<\/strong> <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full is-resized\"><img decoding=\"async\" width=\"1000\" height=\"536\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-10-Bondora-Dashboard-EN.png\" alt=\"\" class=\"wp-image-324763\" style=\"width:767px;height:auto\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-10-Bondora-Dashboard-EN.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-10-Bondora-Dashboard-EN-300x161.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-10-Bondora-Dashboard-EN-768x412.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trade Republic Alternative 2: Monetfit SmartSaver with automatic payout<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">With 1.4 million users in Europe, <a href=\"https:\/\/northern.finance\/go\/eu\/monefit\"><strong>Monetfit SmartSaver<\/strong><\/a> is now Bondora&#8217;s biggest competitor and one of the other Trade Republic alternatives that may be of interest to you as an investor.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"636\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-11-1.png\" alt=\"\" class=\"wp-image-324769\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-11-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-11-1-300x191.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-11-1-768x488.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">With just one click, <strong>you can invest in loans from the Creditstar Group<\/strong>, which operates in eight European markets, including Sweden, Finland, Estonia and the United Kingdom.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Monetfit SmartSaver offers investors an attractive <strong>7.5% interest rate<\/strong>, which, as with its competitor Bondora, is paid out daily. You can withdraw up to \u20ac1,000 per month immediately, with anything above that taking up to 10 working days. However, if you only want to receive your interest, you can have it <strong>paid out automatically into your current account<\/strong>.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">I currently have around \u20ac15,000 invested with Monetfit, which brings me just over \u20ac100 per month.<\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"686\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-12-Monefit-Dashboard-EN-1.png\" alt=\"\" class=\"wp-image-324775\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-12-Monefit-Dashboard-EN-1.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-12-Monefit-Dashboard-EN-1-300x206.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-12-Monefit-Dashboard-EN-1-768x527.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Trade Republic Alternative 3: EU high-yield corporate bonds with good interest rates<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">A slightly riskier but also more profitable alternative to Raisin is EU high-yield corporate bonds. High-yield EU corporate bonds, i.e. those <strong>below investment grade<\/strong>, currently offer a return of 5.2%, which corresponds to an <strong>effective interest rate of 4.8%<\/strong> after costs. <\/p>\n\n\n<div class=\"wp-block-image\">\n<figure class=\"aligncenter size-full\"><img decoding=\"async\" width=\"1000\" height=\"506\" src=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-14-2.png\" alt=\"\" class=\"wp-image-324781\" srcset=\"https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-14-2.png 1000w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-14-2-300x152.png 300w, https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/Grafik-14-2-768x389.png 768w\" sizes=\"(max-width: 1000px) 100vw, 1000px\" \/><\/figure>\n<\/div>\n\n\n<p class=\"wp-block-paragraph\">Interest is paid out every six months and, if you wish, you can sell the product back on a daily basis. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Trade Republic alternatives: The best alternatives for crypto trading<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">Last but not least, let&#8217;s take a look at the best Trade Republic alternatives for crypto trading. First things first: there are <strong>huge differences between the respective providers. <\/strong> <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">We took a look at the most popular providers and made the most important comparisons. Let&#8217;s start with the range and costs for the various coins. <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Offer and costs<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">If you want to invest in cryptocurrencies with <strong>Trade Republic<\/strong>, you can do so in a total of <strong>50 coins<\/strong>. With Scalable Capital, on the other hand, there are only 32 coins. It is important to note that with Scalable, you are not investing in real cryptocurrencies, but in <strong>ETPs<\/strong>, which probably makes the provider unattractive to many crypto investors.  <\/p>\n\n\n\n<div>\n<div class=\"wp-block-group nf-info-boxen-blau\"> \n<div class=\"wp-block-group__inner-container\"> <p class=\"nf-boxen-p-lesetipp\"><strong>Good to know: <\/strong><\/p> \n<p class=\"nf-boxen-p\">ETPs (=Exchange Traded Products) are exchange-traded investment products that are based 1:1 on an underlying asset. Investors do not receive actual coins, but only exchange-traded securities.  <\/p> \n<\/div><\/div><\/div>\n\n\n\n<p class=\"wp-block-paragraph\">When comparing <strong>Finanzen.net zero vs. Trade Republic<\/strong>, <strong>the former broker offers the largest selection with 59 coins.<\/strong> However, compared to the world&#8217;s largest crypto exchanges, Coinbase and Binance, this number is also marginal. At Coinbase, you can invest in a total of 275 tradable cryptocurrencies, and at Binance, in as many as 500.<\/p>\n\n\n\n<p class=\"wp-block-paragraph\">There are also significant differences in the spread and execution costs, as illustrated in the table below. <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><strong>Usual spread (also for savings plans) and execution costs for the selected crypto providers<\/strong><\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>Providers<\/strong><\/td><td><strong>Spread<\/strong><\/td><td><strong>Implementation costs<\/strong><\/td><\/tr><tr><td>Trade Republic<\/td><td>0.8% (BTC) &#8211; 2% (Alt)<\/td><td>1 \u20ac<\/td><\/tr><tr><td>Scalable Capital<\/td><td>0,1 % &#8211; 0,2 % (ETP)<\/td><td>0,99 % + 0,99 \u20ac<\/td><\/tr><tr><td>Finanzen.net zero<\/td><td>0,3 %<\/td><td>1 %<\/td><\/tr><tr><td>Coinbase<\/td><td>0,1 % &#8211; 0,5 %<\/td><td>0,49 %<\/td><\/tr><tr><td>Binance<\/td><td>0,1 %<\/td><td>0,1 % + 1 \u20ac (SEPA)<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">The total costs for a \u20ac1,000 purchase at Trade Republic are \u20ac9 for Bitcoin and \u20ac21 for altcoins, which is the most expensive in our comparison. Scalable charges \u20ac12-13, which is quite a lot considering that these are only ETPs. Finanzen.net zero, on the other hand, offers real coins at the same price. At Coinbase, the cost is \u20ac7.30, which <strong>Binance<\/strong> can undercut once again with a strong <strong>\u20ac3.10.<\/strong><\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Another very important aspect is the delivery of the coins, because as they say: \u2018<strong>Not your keys, not your coins<\/strong>\u2019. Delivery is possible with Trade Republic, but not with Scalable due to the \u2018unreal\u2019 coins, and also not with Finanzen.net zero. For me, this is a real disadvantage. Coinbase and Binance offer their investors this option.    <\/p>\n\n\n\n<h3 class=\"wp-block-heading\">Savings plans with brokers<\/h3>\n\n\n\n<p class=\"wp-block-paragraph\">Whether you want an <a href=\"https:\/\/northern.finance\/en\/etf\/etf-savings-plan\/\">ETF savings plan or a one-off investment<\/a>, you can do both with Trade Republic and all Trade Republic alternatives. As with the costs, the savings rate varies greatly, as you can see in the table.<\/p>\n\n\n\n<figure class=\"wp-block-table\"><table class=\"has-fixed-layout\"><tbody><tr><td><strong>providers<\/strong><\/td><td><strong>Savings rate<\/strong><\/td><\/tr><tr><td>Trade Republic<\/td><td>1 \u20ac &#8211; 10.000 \u20ac<\/td><\/tr><tr><td>Scalable Capital<\/td><td>1 \u20ac &#8211; 5.000\u20ac<\/td><\/tr><tr><td>Finanzen.net zero<\/td><td>1 \u20ac &#8211; unlimited<\/td><\/tr><tr><td>Coinbase<\/td><td>\u20ac5 &#8211; \u20ac25,000 per day<\/td><\/tr><tr><td>Binance<\/td><td>10 \u20ac &#8211; unlimited<\/td><\/tr><\/tbody><\/table><\/figure>\n\n\n\n<p class=\"wp-block-paragraph\">In terms of execution, <strong>Binance once again offers maximum flexibility and allows customers to execute their savings plans on a daily or hourly basis<\/strong>. German brokers allow their users to set up savings plans via direct debit, which is not possible with Coinbase and Binance. <strong>The savings plan costs are \u20ac0 for all providers.<\/strong>  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\"><\/p>\n\n\n\n<h2 class=\"wp-block-heading\">Conclusion: These are the best Trade Republic alternatives in 2026<\/h2>\n\n\n\n<p class=\"wp-block-paragraph\">There are now numerous Trade Republic alternatives, all of which may be more or less relevant to you depending on your interests. When it comes to choosing the best broker, Finanzen.net zero stands out with a wide selection of share savings plans and maximum freedom in terms of investment amounts.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">Consorsbank could be an exciting alternative to Trade Republic, particularly due to its strong customer support \u2013 a clear weakness of Trade Republic. Those who want the best interest rates must be prepared to take on a higher level of risk.  <\/p>\n\n\n\n<p class=\"wp-block-paragraph\">If you agree to this as an investor, Go &amp; Grow (formerly Bondora Go &amp; Grow) and Monetfit SmartSaver offer interest rates of 6% and 7.5% respectively. If you are looking for the best Trade Republic alternatives for 2026, it is definitely worth taking a moment to compare them. If you are interested in this topic, click on <a href=\"https:\/\/northern.finance\/en\/p2p\/p2p-platform-rating\/\">my current P2P lending ranking with the 10 best P2P platforms<\/a>.<\/p>\n\n\n\n<h3 class=\"wp-block-heading\">FAQ: Frequently asked questions about Trade Republic alternatives?<\/h3>\n\n\n<div class=\"wp-block-uagb-faq uagb-faq__outer-wrap uagb-block-b4bd20f7 uagb-faq-icon-row uagb-faq-layout-accordion uagb-faq-expand-first-true uagb-faq-inactive-other-true uagb-faq__wrap uagb-buttons-layout-wrap uagb-faq-equal-height     \" data-faqtoggle=\"true\" role=\"tablist\"><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-75d88f42 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Which Trade Republic alternative offers the best conditions for share and ETF savings plans?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>One of the best Trade Republic alternatives for share and ETF savings plans is Finanzen.net zero, which offers 8,200 share and 2,500 ETF savings plans with unlimited savings rates.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-90274ffd \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Which bank is the best Trade Republic alternative for current accounts, cards and customer service?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>The best Trade Republic alternative for the account is Consorsbank. Here, you pay \u20ac0 for cards, receive sub-accounts, personal support and even a \u20ac200 bonus. <\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-5cf79ae7 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Where can I find Trade Republic alternatives with the highest interest rates for my money, and what do I need to bear in mind?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>One of the best Trade Republic alternatives for high interest rates are the P2P lending platforms Bondora Go &amp; Grow and Monetfit SmartSaver, offering 6% and 7.5% respectively.<\/p><\/div><\/div><div class=\"wp-block-uagb-faq-child uagb-faq-child__outer-wrap uagb-faq-item uagb-block-fd55c205 \" role=\"tab\" tabindex=\"0\"><div class=\"uagb-faq-questions-button uagb-faq-questions\">\t\t\t<span class=\"uagb-icon uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M432 256c0 17.69-14.33 32.01-32 32.01H256v144c0 17.69-14.33 31.99-32 31.99s-32-14.3-32-31.99v-144H48c-17.67 0-32-14.32-32-32.01s14.33-31.99 32-31.99H192v-144c0-17.69 14.33-32.01 32-32.01s32 14.32 32 32.01v144h144C417.7 224 432 238.3 432 256z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t\t\t\t<span class=\"uagb-icon-active uagb-faq-icon-wrap\">\n\t\t\t\t\t\t\t\t<svg xmlns=\"https:\/\/www.w3.org\/2000\/svg\" viewBox= \"0 0 448 512\"><path d=\"M400 288h-352c-17.69 0-32-14.32-32-32.01s14.31-31.99 32-31.99h352c17.69 0 32 14.3 32 31.99S417.7 288 400 288z\"><\/path><\/svg>\n\t\t\t\t\t\t\t<\/span>\n\t\t\t<span class=\"uagb-question\"><strong>Which Trade Republic alternatives are best suited for trading real cryptocurrencies?<\/strong><\/span><\/div><div class=\"uagb-faq-content\"><p>The best Trade Republic alternatives for trading real cryptocurrencies are Coinbase and Binance, with Binance offering you a wider selection of coins.<\/p><\/div><\/div><\/div>","protected":false},"excerpt":{"rendered":"<p>As one of the first neobrokers on the German market, Trade Republic has quickly become one of the most popular providers. However, Trade Republic is no longer the only choice when it comes to selecting the right neobroker. In recent years, exciting Trade Republic alternatives have established themselves. In brief: For share and ETF trading, [&hellip;]<\/p>\n","protected":false},"author":1,"featured_media":324789,"comment_status":"closed","ping_status":"closed","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"inline_featured_image":false,"_uag_custom_page_level_css":"","footnotes":""},"categories":[1017],"tags":[],"class_list":["post-324717","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-review"],"acf":[],"uagb_featured_image_src":{"full":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen.png",1000,563,false],"thumbnail":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen-150x150.png",150,150,true],"medium":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen-300x169.png",300,169,true],"medium_large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen-768x432.png",768,432,true],"large":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen.png",1000,563,false],"1536x1536":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen.png",1000,563,false],"2048x2048":["https:\/\/northern.finance\/wp-content\/uploads\/2026\/01\/EN-Thumbnail-Trade-Republic-Alternativen.png",1000,563,false]},"uagb_author_info":{"display_name":"Aleks Bleck","author_link":"https:\/\/northern.finance\/en\/author\/aleks\/"},"uagb_comment_info":0,"uagb_excerpt":"As one of the first neobrokers on the German market, Trade Republic has quickly become one of the most popular providers. However, Trade Republic is no longer the only choice when it comes to selecting the right neobroker. In recent years, exciting Trade Republic alternatives have established themselves. In brief: For share and ETF trading,&hellip;","permalink_manager":null,"_links":{"self":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/324717","targetHints":{"allow":["GET"]}}],"collection":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts"}],"about":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/types\/post"}],"author":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/users\/1"}],"replies":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/comments?post=324717"}],"version-history":[{"count":8,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/324717\/revisions"}],"predecessor-version":[{"id":331699,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/posts\/324717\/revisions\/331699"}],"wp:featuredmedia":[{"embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media\/324789"}],"wp:attachment":[{"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/media?parent=324717"}],"wp:term":[{"taxonomy":"category","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/categories?post=324717"},{"taxonomy":"post_tag","embeddable":true,"href":"https:\/\/northern.finance\/en\/wp-json\/wp\/v2\/tags?post=324717"}],"curies":[{"name":"wp","href":"https:\/\/api.w.org\/{rel}","templated":true}]}}