Trade Republic vs TymeBank.
Trade Republic (T81/100) and TymeBank (T50/100), 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 TymeBank 9-0.
| T Trade Republic №05 · BaFin 81 /100 | T TymeBank №73 · SARB 50 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 81 /100 | 50 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 2.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BaFin | Payment inst. SARB |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | Safeguarded ZA.CODI |
| Reach | ||
| Markets served Licensed jurisdictions | 17 countries | 1 country |
| Crypto Coins available | 50 coins | No |
| Stocks & ETFs Self-directed | Yes | No |
| UX | ||
| Trustpilot Customer score | 3.3 ★ 28k reviews | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.8 · And 4.1 | 4.3 ★ iOS 4.4 · And 4.3 |
| Read review → | Read review → | |
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.
Pick TymeBank if…
First South African full-bank digital launch (2018). Tyme Group's flagship product — the same operator behind GoTyme (PH). Pick n Pay + Boxer in-store card kiosks differentiate vs. all-app competitors. SARB-regulated full bank, CODI ZAR 100,000 cover. ~9M ZA customers.
- 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 TymeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Trade Republic better than TymeBank?
Under our v3 methodology, Trade Republic leads TymeBank 9–0 across 12 dimensions. Composite scores: Trade Republic 81/100 vs TymeBank 50/100. Trade Republic is stronger overall, but the right pick depends on which row matters most to you — fees, protection, reach, or app quality.
Is Trade Republic or TymeBank cheaper?
Monthly fee — Trade Republic: €0; TymeBank: €0. Card FX markup — Trade Republic: Interbank; TymeBank: 2.00%. 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, Trade Republic or TymeBank?
Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. TymeBank holds a Payment inst. licence under SARB; deposit guarantee per depositor: Safeguarded. Trade Republic is the stronger pick on regulatory protection.
Where can I use Trade Republic and TymeBank?
Trade Republic operates in 17 countries; TymeBank operates in 1 country. 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.