Trade Republic vs WeBank.
Trade Republic (T81/100) and WeBank (W76/100), 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 WeBank 5-2.
| T Trade Republic №05 · BaFin 81 /100 | W WeBank №18 · CBI 76 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 81 /100 | 76 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | Interbank | 1.00% |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Full bank BaFin | Full bank CBI |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | €500,000 CN.PBoC-DIS |
| Reach | ||
| Markets served Licensed jurisdictions | 17 countries | 1 country |
| Crypto Coins available | 50 coins | No |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | 3.3 ★ 28k reviews | — |
| App store iOS + Android avg | 4.4 ★ iOS 4.8 · And 4.1 | 4.5 ★ iOS 4.6 · And 4.5 |
| 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 WeBank if…
World's largest digital bank by user count (~400M Chinese customers). First CBIRC-licensed internet-only bank in China (2014). Tencent majority shareholder; deeply integrated with WeChat. China DIS cover.
- Best for fees Trade Republic won 1 of 4
- Best for protection WeBank won 1 of 2
- Best for reach Trade Republic won 2 of 3
- Best for ux Tied
Trade Republic vs WeBank — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Trade Republic better than WeBank?
Under our v3 methodology, Trade Republic leads WeBank 5–2 across 12 dimensions. Composite scores: Trade Republic 81/100 vs WeBank 76/100. 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 WeBank cheaper?
Monthly fee — Trade Republic: €0; WeBank: €0. Card FX markup — Trade Republic: Interbank; WeBank: 1.00%. 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 WeBank?
Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. WeBank holds a Full bank licence under CBI; deposit guarantee per depositor: €500,000. WeBank is the stronger pick on regulatory protection.
Where can I use Trade Republic and WeBank?
Trade Republic operates in 17 countries; WeBank 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.