Trade Republic vs Cash App.
Trade Republic (T81/100) and Cash App (C70/100), 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 Cash App 5-2.
| C Cash App №31 · FDIC 70 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 70 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank FDIC | Full bank BaFin |
| Deposit guarantee Per depositor | $250,000 US.FDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 2 countries | 17 countries |
| Crypto Coins available | 1 coins | 50 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 1.6 ★ 50k reviews | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.8 ★ iOS 4.8 · And 4.7 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Cash App if…
The largest US peer-to-peer payments + neobank hybrid by user count (~50M monthly actives). Block-owned, public via NYSE:XYZ. Bitcoin-native — was the first major US fintech to integrate BTC buy/sell. Partner-bank model via Sutton Bank means FDIC pass-through, not direct charter cover.
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 Tied
- Best for protection Tied
- Best for reach Trade Republic won 2 of 3
- Best for ux Tied
Trade Republic vs Cash App — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Cash App better than Trade Republic?
Under our v3 methodology, Trade Republic leads Cash App 5–2 across 12 dimensions. Composite scores: Cash App 70/100 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 Cash App or Trade Republic cheaper?
Monthly fee — Cash App: €0; Trade Republic: €0. Card FX markup — Cash App: Interbank; Trade Republic: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Cash App or Trade Republic?
Cash App holds a Partner-bank licence under FDIC; deposit guarantee per depositor: $250,000. Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Both score equally on regulatory protection rows.
Where can I use Cash App and Trade Republic?
Cash App operates in 2 countries; 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.