Trade Republic vs Aspire.
Trade Republic (T81/100) and Aspire (A70/100), 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 Aspire 6-2.
| A Aspire №37 · MAS 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 | 0.30% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | Partner-bank MAS | Full bank BaFin |
| Deposit guarantee Per depositor | €100,000 SG.SDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 8 countries | 17 countries |
| Crypto Coins available | No | 50 coins |
| Stocks & ETFs Self-directed | No | Yes |
| UX | ||
| Trustpilot Customer score | 4.3 ★ 1k reviews | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.6 · And 4.4 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Aspire if…
The APAC-first multi-currency business-account platform for SaaS startups and e-commerce sellers — SG-HQ MAS Major Payment Institution with native multi-currency accounts (USD/SGD/EUR/GBP/IDR + HKD/AUD/IDR/MYR) plus local-currency receiving in 30+ countries and local account issuance in 6 jurisdictions (SG, HK, US, UK, EU, AU). Built for APAC startups taking USD revenue who need a SGD operating account without the friction of running Mercury (US) + a SG-bank relationship side-by-side. Stripe + Shopify + Xero integration depth makes Aspire the structural fit for SaaS / e-commerce / fintech operators in the region. MAS-licensed Major Payment Institution status is the structural anchor.
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 Trade Republic won 1 of 4
- Best for protection Trade Republic won 1 of 2
- Best for reach Trade Republic won 3 of 3
- Best for ux Aspire won 2 of 2
Trade Republic vs Aspire — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Aspire better than Trade Republic?
Under our v3 methodology, Trade Republic leads Aspire 6–2 across 12 dimensions. Composite scores: Aspire 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 Aspire or Trade Republic cheaper?
Monthly fee — Aspire: €0; Trade Republic: €0. Card FX markup — Aspire: 0.30%; Trade Republic: Interbank. 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, Aspire or Trade Republic?
Aspire holds a Partner-bank licence under MAS; deposit guarantee per depositor: €100,000. 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 Aspire and Trade Republic?
Aspire operates in 8 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.