Comparing Trade Republic v Trading 212 v Revolut bank cards

[TheJackal]

	Trade Republic	Trading 212	Revolut
Subscription fee	€0	€0	€0
FX fee	0%	0.15%	1% after the free exchange limit of £1,000 per mo. is exceeded
FX rate	True interbank No mark-up	True interbank No mark-up	Custom “Revolut” rate Interbank + variable mark-up
Weekend FX fee	None	None	1%
ATM withdrawal fees	Over €100, free. Under €100, €1 fee	Free up to €400 per month. 1% thereafter	Free up to €200 per month. 2% thereafter
Cashback	1.0% Capped at €15 per month	0.5% Capped at €23 per month	0%
Interest on EUR cash	4% on uninvested cash	4.2% on uninvested cash	2% on uninvested cash

Trading 212 bank card has not launched yet in Ireland. Above are their rates per their website https://www.trading212.com/cards

 

[dubliner8]

The Revolut 2% is in a savings account thought, right. Which doesn't require notice. Thought it was higher than 2%? N26: no subscription fee, FX fee: none although it's Mastercard rates and no difference at weekends, 3 free withdrawals with no amount limit per month (5 for grandfathered accounts), no cashback, 2.8% currently before ECB reductions on uninvested cash if put into instant savings account.

 

[DublinHead54]

The Revolut 2% is in a savings account thought, right. Which doesn't require notice. Thought it was higher than 2%? N26: no subscription fee, FX fee: none although it's Mastercard rates and no difference at weekends, 3 free withdrawals with no amount limit per month (5 for grandfathered accounts), no cashback, 2.8% currently before ECB reductions on uninvested cash if put into instant savings account.

The Revolut savings rate increases with the paid subscription options.

 

[smndly]

I use traderepublic as deposit account for the 4% interest and its great. However, I don't think I would like to have a linked bank card to it as I have a significant amount of money in the account and a bank card can be skimmed or compromised putting all of this at risk.

 

[Innisfree]

I use traderepublic as deposit account for the 4% interest and its great. However, I don't think I would like to have a linked bank card to it as I have a significant amount of money in the account and a bank card can be skimmed or compromised putting all of this at risk.

Just to note that Trade Republic now allow you to set daily / monthly spending and withdrawal limits on your card - so protection against card fraud is there.

 

[dubliner8]

Is it worth using the Trade Republic saveback? You have to put in a minimum of 50eur per month into the plan to get the saveback. Also any suggestions on the ETF options? I have mine set to S&P 500 Information Tech USD.... I guess I can't change this now.