Trade Republic vs Zand.
Trade Republic (T81/100) and Zand (Z77/100), 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 Zand 5-1.
| T Trade Republic №05 · BaFin 81 /100 | Z Zand №15 · CBUAE 77 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 81 /100 | 77 /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 | Full bank BaFin | Full bank CBUAE |
| Deposit guarantee Per depositor | €100,000 EU.DGS.DE | €250,000 AE.DPS |
| 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 | 4.2 ★ iOS 4.3 · And 4.0 |
| 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 Zand if…
UAE's first fully-digital full bank — CBUAE-licensed since 2021. Holds its own banking licence (not a partner-bank). Both retail and corporate banking offered. Adds full-bank diversity to the UAE set alongside Wio.
- Best for fees Tied
- Best for protection Zand won 1 of 2
- Best for reach Trade Republic won 2 of 3
- Best for ux Trade Republic won 2 of 2
Trade Republic vs Zand — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Trade Republic better than Zand?
Under our v3 methodology, Trade Republic leads Zand 5–1 across 12 dimensions. Composite scores: Trade Republic 81/100 vs Zand 77/100. 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 Zand cheaper?
Monthly fee — Trade Republic: €0; Zand: €0. Card FX markup — Trade Republic: Interbank; Zand: Interbank. Tied across fee rows. See the Fees section of the matrix above for ATM caps and the rest.
Which is safer for deposits, Trade Republic or Zand?
Trade Republic holds a Full bank licence under BaFin; deposit guarantee per depositor: €100,000. Zand holds a Full bank licence under CBUAE; deposit guarantee per depositor: €250,000. Zand is the stronger pick on regulatory protection.
Where can I use Trade Republic and Zand?
Trade Republic operates in 17 countries; Zand 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.