Trade Republic vs Now Money.
Trade Republic (T81/100) and Now Money (N60/100), 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 Now Money 8-0.
| N Now Money №52 · CBUAE 60 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 60 /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 | 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 | 4.0 ★ iOS 4.0 · And 3.9 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Now Money if…
Migrant-worker-focused EMI in the UAE. Built-in remittance to South Asia at competitive FX. CBUAE-supervised EMI; not a bank — funds are safeguarded, not deposit-insured. Fills the underbanked segment that Liv/Wio/Mashreq Neo don't directly serve.
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 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 Now Money — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Now Money better than Trade Republic?
Under our v3 methodology, Trade Republic leads Now Money 8–0 across 12 dimensions. Composite scores: Now Money 60/100 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 Now Money or Trade Republic cheaper?
Monthly fee — Now Money: €0; Trade Republic: €0. Card FX markup — Now Money: 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, Now Money or Trade Republic?
Now Money 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 Now Money and Trade Republic?
Now Money 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.