Trade Republic vs Chipper Cash.
Trade Republic (T81/100) and Chipper Cash (C62/100), 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 Chipper Cash 7-1.
| C Chipper Cash №48 · FCA 62 /100 | T Trade Republic №05 · BaFin 81 /100 | |
|---|---|---|
| Score | ||
| Composite score Out of 100 | 62 /100 | 81 /100 |
| Fees | ||
| Monthly fee Cheapest paid tier (€0 if free) | €0 Free tier | €0 Free tier |
| FX markup Debit card abroad | 1.00% | Interbank |
| Free FX / month EUR equivalent | €0 | €0 |
| Free ATM Before fee kicks in | — | — |
| Protection | ||
| Banking licence Tier | E-money inst. FCA | Full bank BaFin |
| Deposit guarantee Per depositor | Safeguarded NG.NDIC | €100,000 EU.DGS.DE |
| Reach | ||
| Markets served Licensed jurisdictions | 9 countries | 17 countries |
| Crypto Coins available | 5 coins | 50 coins |
| Stocks & ETFs Self-directed | Yes | Yes |
| UX | ||
| Trustpilot Customer score | — | 3.3 ★ 28k reviews |
| App store iOS + Android avg | 4.5 ★ iOS 4.4 · And 4.5 | 4.4 ★ iOS 4.8 · And 4.1 |
| Read review → | Read review → | |
Pick Chipper Cash if…
Pan-African EMI — operates in 9+ African countries + UK + US. Multi-jurisdiction licensing means no single full-bank protection. ~5M users. Backed by Bezos Expeditions, Tiger Global. Anchors the pan-African angle alongside Mukuru.
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 2 of 2
- Best for reach Trade Republic won 2 of 3
- Best for ux Tied
Trade Republic vs Chipper Cash — FAQ
Quick answers to the four questions the search-bar asks most about a head-to-head.
Is Chipper Cash better than Trade Republic?
Under our v3 methodology, Trade Republic leads Chipper Cash 7–1 across 12 dimensions. Composite scores: Chipper Cash 62/100 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 Chipper Cash or Trade Republic cheaper?
Monthly fee — Chipper Cash: €0; Trade Republic: €0. Card FX markup — Chipper Cash: 1.00%; 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, Chipper Cash or Trade Republic?
Chipper Cash holds a E-money inst. licence under FCA; 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 Chipper Cash and Trade Republic?
Chipper Cash operates in 9 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.