Trade Republic vs Liv..
Trade Republic (T81/100) and Liv. (L59/100), scored on the same six pillars and compared row-by-row. Every cell is sourced from licence registers and live pricing pages, not opinion. Trade Republic leads Liv. 9-0.
| L Liv. №53 · CBUAE 59 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 59 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.50% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. CBUAE | Full bank BaFin |
| Deposit guarantee Per depositor | Safeguarded AE.DPS | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 1 country | 17 countries |
| Crypto Coins available | No | 50 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.3 ★ iOS 4.4 · And 4.2 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Liv. if…
First UAE digital-only bank — Emirates NBD subsidiary launched 2017. Targets millennials with free account + lifestyle features. Direct AE DPS cover via parent's CBUAE charter — structurally cleaner than partner-bank competitors.
Pick Trade Republic if…
Pick if you want the cheapest brokerage in Europe (€1/trade) and the highest interest on idle cash. Not a primary current account.
- Best for fees Trade Republic won 1 of 4
- Best for protection Trade Republic won 2 of 2
- Best for reach Trade Republic won 3 of 3
- Best for ux Trade Republic won 2 of 2
Trade Republic vs Liv. — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Liv. better than Trade Republic?
Under our v3 methodology, Trade Republic leads Liv. 9–0 across 12 dimensions. Composite scores: Liv. 59/100 vs Trade Republic 81/100. Trade Republic is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Liv. or Trade Republic cheaper?
Monthly fee — Liv.: €0; Trade Republic: €0. Card FX markup — Liv.: 1.50%; Trade Republic: Interbank. Trade Republic wins more fee rows (1 of 4). See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Liv. or Trade Republic?
Liv. holds a E-money inst. licence under CBUAE; deposit guarantee per depositor: Safeguarded. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Trade Republic is the stronger pick on regulatory protection.
Where can I use Liv. and Trade Republic?
Liv. operates in 1 country; Trade Republic operates in 17 countries. Check each provider's signup page for the live country list — eligibility depends on residency, not just the licence footprint.
Want a 3- or 4-way comparison?
The dynamic compare picker handles up to four banks. Add this pair plus one or two more and we'll resolve every row.