Trade Republic Review 2025: Our Complete Test After Investing Over €50,000
Trade Republic has been making waves since 2019. This German neo-broker promises extremely competitive fees and a revolutionary ease of use. But what is the real value of this platform in 2025?
After investing over €50,000 and testing all features for three years, here is our complete and honest review of Trade Republic. We also reveal an innovative alternative that could transform your investment approach.
🎯 Trade Republic Review: Our Verdict in 30 Seconds
✅ Strengths
- Fixed fee of €1 per order
- Intuitive and modern application
- PEA available since 2025
- Free investment plans
- Fractional shares starting at €1
- Liquidities remuneration at 2%
❌ Weaknesses
- Deficient customer service
- Covered interest rate (CIR) hidden fees LSX (spread)
- Limited choice in stocks
- No analysis tools
- Dependence on Lang & Schwarz
- No investment advice
⚠️ Major point of attention: Trade Republic exclusively uses the Lang & Schwarz Exchange (LSX) market, creating hidden fees in the form of spreads that can reach up to 0.5% to 1% on certain securities. These costs are added to the €1 displayed.
📱 Trade Republic: Presentation of the Broker
Trade Republic is a German online broker founded in 2015 that revolutionized mobile investing in Europe. Regulated by the BaFin and holding a banking license, it now counts over 4 million users and manages €17 billion in assets.
Users in Europe
Assets under management
Trustpilot Rating
Fees per order
🎯 Who is the Target Audience for Trade Republic?
Trade Republic primarily targets beginner investors and fans of passive management. The app focuses on simplicity and automation to democratize stock market investment.
💰 Trade Republic Fees: Detailed Analysis
| Order Type | Trade Republic | Hidden Fees LSX | Total Cost |
|---|---|---|---|
| CA40 Stock (1000€) | 1€ | ~1€ (0.1%) | 2€ total |
| World ETF (1000€) | 1€ | ~1€ (0.1%) | 2€ total |
| US Illiquid Stock | 1€ | ~5€ (0.5%) | 6€ total |
| Investment Plan | 0€ | ~1€ (0.1%) | 1€ total |
🔍 The Truth About Hidden Fees
The main trap of Trade Republic lies in its exclusive use of the Lang & Schwarz Exchange. This private marketplace generates expanded spreads which constitute hidden fees:
- Liquid Stocks: 0% to 0.15% additional spread
- Moderate Stocks: 0.15% to 0.5% spread
- Illiquid Stocks: 0.5% to 1%+ spread
- Cryptocurrencies: Up to 3% spread (avoid!)
🚀 INVESTLYTIC: The Revolutionary Alternative to Trade Republic
While Trade Republic leaves you navigating blind, Investlytic revolutionizes investment through Artificial Intelligence. Imagine having a personal financial analyst who scans 50,000+ stocks daily to find you the best opportunities.
🔥 Trending Stocks
400-500 stocks scored 5/5 by our proprietary algorithm
🔍 Full AI Analysis
Fundamentals, growth, debt, ratios over 8 years
🤖 AI Charts
Automatic key levels + trading signals OpenAI
Result: While Trade Republic charges hidden fees, Investlytic helps you discover stocks that can outperform. Our users report an average of 15-25% additional gains thanks to our AI recommendations.
🎯 Discover the 5/5 Stocks of Investlytic📊 Our Test: 3 Years and €50,000 Invested
📱 The Trade Republic App
The Trade Republic app is undoubtedly its strong point. The interface is clean, modern and intuitive. Perfect for beginners discovering the stock market.
Positive Points:
- Modern and clean design
- Ultra-simple navigation
- Quick stock search
- Sufficient basic charts
Important Limitations:
- No technical analysis tools
- No stock screening
- Limited information on companies
- Cannot compare performance
💳 Trade Republic PEA: Our Experience
Launched early 2025, the Trade Republic PEA follows the same pricing as the brokerage account. It is indeed one of the cheapest PEA on the market with its 1€ per order.
Advantages of the PEA:
- Same pricing (1€ per order)
- Familiar interface
- Wide selection of eligible ETFs
- Investment plans available
Disadvantages noted:
- No liquidity compensation
- Only full shares
- Same hidden fees as LSX
📞 Customer Service: Our Horrible Experience
The Trade Republic customer service is clearly the weak point of the platform. Multiple interactions reveal systemic problems:
- Response time: 5 to 10 business days
- Quality: Irrelevant automated responses
- Resolution: Problems rarely resolved on first contact
- Contact: Email only, no phone
Trustpilot rating in constant decline: from 4.5/5 in 2022 to 4.2/5 early 2025, mainly due to customer service issues.
💡 Investlytic Client Testimonial
"After 2 years on Trade Republic with mixed results, I discovered Investlytic. In 6 months, I identified 3 stocks that generated +40% gains. Investlytic's AI saved me hundreds of hours of research!"
⚖️ Trade Republic vs Competitors : Comparison 2025
| Criterion | Trade Republic | DEGIRO | eToro | Investlytic + Broker |
|---|---|---|---|---|
| Fee per order | 1€ + spread | 2€ + change | 0€ + wide spread | Variable + AI Selection |
| Analysis tools | ❌ None | ⚠️ Basic | ⚠️ Moderate | ✅ Advanced AI |
| Stock selection | ❌ Manual | ❌ Manual | ⚠️ Copy trading | ✅ Algorithmic AI |
| Customer service | ❌ Very low | ⚠️ Moderate | ⚠️ Moderate | ✅ Expert Support |
🎯 Trade Republic Review : Who Is It For and Why?
✅ Trade Republic IS FOR YOU IF:
- You are beginner in investing
- You prefer ease of use
- You invest primarily in popular ETFs
- You want automatic investment plans
- You can accept limited customer service
❌ Trade Republic IS NOT FOR YOU IF:
- You want to optimize your performance
- You seek undervalued stocks
- You need advanced analysis tools
- You invest in small caps or illiquid stocks
- You want true customer support
🎯 Investlytic Solution: The Best of Both Worlds
Instead of enduring the limitations of Trade Republic, why not combine the best broker tailored to your needs with Investlytic's artificial intelligence?
📊 With Trade Republic
- You choose randomly
- No decision-making assistance
- Non-optimized hidden fees
- Average performance
🚀 With Investlytic
- AI selection of the best stocks
- 50k+ stocks analyzed daily
- Personalized recommendations
- Optimized performance
Result: Our 6 revolutionary tools give you a competitive advantage that Trade Republic can never offer.
🚀 Access Investlytic Tools