Trade Republic vs Blockchain.Com: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Trade Republic and Blockchain.Com This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on September 3, 2025

Trade Republic

Blockchain.Com

⚠️ We look for what’s best for you.

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Available Countries

United States

Europe

Yes

Latin America

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

Yes

United Kingdom

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Trade Republic is ideal if:

Perfect for mobile-first, long-term investors, offering automated savings plans and a clean, intuitive app for easy investing across stocks, ETFs, bonds, and crypto.
Well-suited for cost-conscious beginners, thanks to its ultra-transparent pricing—low flat fees or commission-free ETFs—and interest on idle cash for more consistent value preservation.
Reliable and secure choice, operating under strong German regulation with a full banking license and EU deposit protection, making it a trustworthy platform for building your portfolio gradually.

Blockchain.Com is ideal if:

Fast & liquid trading for individuals — Built for retail users seeking a slick, high-speed exchange with deep real-time order books and ultra-responsive execution.
Seamless wallet-to-exchange flow — Perfect if you want the flexibility of effortlessly shifting funds between a secure non-custodial wallet and your trading account.
Straightforward tools, not overload — Ideal if you prefer a clean trading experience: just enough assets and order types, enhanced with customizable charts without overwhelming complexity.

Trade Republic isn’t ideal if:

Not suited for active or technical traders — lacks advanced charting tools, desktop platform, algorithmic functions, and sophisticated order types.
Mobile-only design can be limiting — web interface is simplified, and recent app updates have frustrated users with reduced intuitiveness.
Customer support has known weaknesses — historical delays and limited responsiveness during critical market moments can disappoint when you need help quickly.

Blockchain.Com isn’t ideal if:

If you need broad crypto access — Not suited for you if you’re after an extensive altcoin lineup, as its asset selection is relatively limited.
If you want round-the-clock live support — Might frustrate you if you rely on phone or email help, because support options are primarily online and can lack responsiveness.
If direct fiat withdrawals are essential — Not ideal if you're aiming to withdraw fiat to a card or e-wallet, as such options are restricted or unavailable.

Fees & Total Costs

Spot Maker/Take

Trade Republic applies a flat fee per crypto trade rather than calculating traditional maker or taker fees by volume, and there are currently no discounts tied to a native token.

Blockchain.com applies a tiered maker-taker model for spot trading; maker fees decrease from around 0.40% down to 0% and taker fees from approximately 0.45% down to 0.06%, depending on your 30-day trading volume—there are no explicit discounts tied to holding a native token.

Futures/Derivatives

Trade Republic currently focuses on spot instruments and does not support futures or derivatives trading, so these fee categories aren’t applicable.

Blockchain.com offers margin trading (not full perpetual futures) with a recurring margin fee of around 0.02% every 4 hours, applied alongside the usual maker/taker structure when applicable.

Average Spreads on Liquid Pairs

Trade Republic incorporates a modest spread built into the quoted prices for crypto trades, meaning the market’s buy/sell difference serves as an implicit cost rather than a separately disclosed spread.

While the platform doesn’t publish exact spread figures, liquid pairs like BTC/USDT and ETH/USDT generally trade at tightly competitive spreads comparable to other major retail exchanges, especially during normal market conditions.

Fiat Deposits & Withdrawals

Fiat deposits and withdrawals are generally routed through bank transfers or debit/credit options, with minimal or no platform fees, and typically process within a couple of business days depending on your region.

You can deposit fiat via methods like ACH, SEPA, wire transfers, or faster local systems—with deposits typically free or carrying a small fixed fee, and funds arriving in 1–5 business days depending on the method; withdrawals to bank via ACH/SEPA are usually free or low-fee, while wire transfers may carry a modest flat charge and take a few business days.

On-chain Withdrawals

Trade Republic does not allow direct blockchain withdrawals of crypto—meaning there is no mechanism to withdraw on-chain and no associated network fees.

Deposit to the exchange is free aside from network fees, and withdrawals incur a processing fee plus the variable on-chain network fee, which is displayed before you confirm; the network component is dynamic per blockchain (e.g., BTC, ETH, TRX).

Hidden Costs

Trade Republic maintains transparency, with no inactivity charges or surprise costs; currency conversion may apply if trading in a different base currency, and express KYC options aren’t separately priced.

Some indirect costs include holding-period delays for card or ACH purchases, currency conversion margins if your currency differs from supported ones, and fees or delays tied to express KYC or expedited verification.

Real-World Cost Example: “€500 BTC

If you place a €500 crypto order, you’ll incur the flat execution fee and a small built-in price gap from the spread; since crypto cannot be withdrawn on-chain, there’s no actual withdrawal cost, keeping the transaction clear of extra recurring charges.

You’d pay a maker/taker trading fee on the €500 trade (depending on order type and volume tier), plus the spread embedded in the rate, and if you then withdraw on-chain, you’d also pay the dynamic network fee and the small processing charge before the BTC reaches your wallet.

Crypto Offering & Trading Features

Number of Coins & Pairs

Trade Republic offers over 50 cryptocurrencies for direct trading, including all major assets like Bitcoin, Ethereum, Cardano, Solana, and others; the top 20 by volume approximate include these leading names plus others like XRP, TRX, LINK, DOT, and LTC.

The platform offers 26–30 cryptocurrencies and 50–80+ trading pairs overall, with the top 20 pairs dominated by major markets like BTC/USDT, ETH/USDT, and top altcoin combinations.

Product Range

Trade Republic supports only straightforward spot trading of real crypto assets, with automated investment plans (DCA-style) available—margin, perpetuals, options, lending, copy trading, grid bots, staking, and crypto ETFs aren’t offered.

Supports spot trading, selective margin (up to 5× on certain USD/USDT pairs), and lending/borrowing via institutional OTC, but does not offer perpetuals, options, crypto ETFs, staking/earn, or copy-trading and advanced automation natively.

Liquidity

Liquidity on Trade Republic is moderate—enough for retail-sized crypto purchases in BTC and ETH—but it doesn’t cater to high-volume trading or offer transparent order book depth like institutional-grade exchanges.

While exact figures aren’t published, BTC and ETH pairs enjoy robust liquidity, with substantial 24-hour trading volumes and deep order books in core markets.

Tools

The platform supports basic order types such as market, limit, and stop, along with price alerts, but lacks advanced charting, API/WebSocket access, or native TradingView integration for algorithmic or technical-heavy traders.

Offers standard limit and stop orders, but lacks OCO functionality; provides live price charts, basic alerts, and supports both REST API and WebSocket access, though it does not embed a native TradingView charting interface.

Geographic Restrictions by Product

Crypto trading is available only in certain European markets and is limited to spot; derivatives and advanced instruments are simply unavailable in most regions, and there are no special terrains where alternative products are accessible.

Margin trading is blocked in several jurisdictions, including the US, Canada, Japan, Germany, the Netherlands, Italy, and sanctioned nations, while spot services remain available more broadly.

Innovation

While Trade Republic brings ease and innovation through automated savings plans and a clean mobile interface, it doesn’t offer features like launchpads, launchpools, or staking/earn programs—whether flexible or locked—so innovation remains focused on usability rather than asset-side experimentation.

The platform lacks features like launchpads or pools. It also does not offer flexible vs. locked earn options, limiting its appeal for users looking for innovative passive-income tools.

Security, Regulation & Custody

Operating Entity & Jurisdiction

Trade Republic operates under Trade Republic Bank GmbH, a German company founded in 2015 with headquarters in Berlin, fully integrated as a banking institution.

Blockchain.com originated in 2011 in the UK and is now structured under entities including Blockchain (LT), UAB (Lithuania) and other legal arms in Ireland and the BVI, with its main headquarters in Luxembourg.

Licenses/Registration

The platform holds full banking licenses in Germany and has obtained a MiCA crypto-assets license via BaFin, enabling compliant crypto custody and trading across the entire EEA.

It operates under Lithuanian corporate registration, and in the UK it acts through a regulated partner for financial promotions—no publicly highlighted MiCA or EU-wide license is cited.

Custody

Crypto assets are securely held by BitGo Europe GmbH in cold storage under BaFin regulation, ensuring that client holdings remain separated and fully owned by the user.

Custody is centralized (Blockchain holds assets); there’s no visible Proof-of-Reserves report or cold storage ratio publicly declared via their site.

Insurance & Protection Funds

Fiat deposits are safeguarded via the German deposit guarantee scheme up to €100,000 per client, while crypto assets are kept segregated in custody, though not formally insured by an additional fund.

There’s no explicit mention of insurance policies or protected fund schemes designed for user asset safety listed on the platform.

Incident History

Trade Republic has maintained a clean incident record with no reported hacks, account freezes, or regulatory penalties tied to its operations or crypto services.

The platform has not publicized hacks, service suspensions, or regulatory fines, suggesting a relatively clean public incident record to date.

Risk Controls

Security measures focus on core protections like two-factor authentication and awareness of phishing threats; advanced features such as whitelisting, subaccounts, and sophisticated API permissioning are not offered.

Security features include user-enabled 2FA, support for whitelisting withdrawal addresses, anti-phishing alerts, plus REST and WebSocket API access, though fine-grained sub-account roles aren’t promoted.

Transparency

While Trade Republic delivers clear regulatory disclosures and maintains user ownership clarity, it does not publish monthly proofs of reserves, operate public wallets, or provide service-level agreements in crypto.

There are no publicly available regular solvency reports, on-chain wallet data, or service-level commitments for transparency, at least not in an openly accessible format.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Trade Republic accepts fiat deposits via bank transfer only—no card or e-wallet options—which ensures security and simplicity; there’s no minimum deposit requirement, processing typically takes a few business days, and there are no platform fees.

You can deposit fiat via bank wire, ACH, SEPA, or card payments, with typical minimums and maximums set per method (e.g. cards around €5, wires higher), and processing times ranging from instant up to several business days, depending on the method and region.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

You must complete full KYC upon registration—there are no tiered or anonymous levels; the app handles identity verification through ID and photo checks, enabling full trading access without low-volume restrictions.

Verification follows tiered access—unverified users have limited functionality, while Full Access requires identity verification, unlocking higher transaction limits and broader features; exact thresholds depend on your country and payment methods.

Withdrawals

Fiat withdrawals are executed via SEPA bank transfer—fees are zero and funds typically arrive within one to two business days; crypto withdrawals to external networks are not permitted at all.

Withdrawal limits are roughly $100,000 daily, with individual transaction caps by method (e.g. cards ~$1,200, ACH/wire $25,000), and withdrawals process in hours to a few days; crypto withdrawals are supported over common networks like ERC-20, TRC-20, and options depend on token.

Customer Support

Support is available through in-app chat and email, with response times generally ranging from one to two business days, complemented by a self-help knowledge base—no telephone hotlines or 24/7 live chat available.

Support is available 24/7 via ticket and email, there’s no phone line; response times vary (sometimes slow), and there’s an extensive knowledge base and FAQ for self-help.

Languages & Localization

The app supports Spanish (among other languages) depending on your device settings, displays all fees in euros, and operates under local compliance frameworks—offering a well-localized experience for Spanish-speaking EU users.

Blockchain.com supports multiple interface languages, including Spanish, and automatically displays balances and fees in your local fiat currency when possible; regulatory coverage adapts per country, using local entity registrations or partner arrangements where applicable.

App Quality & Stability

The mobile app is highly rated for stability and ease of use, with a smooth interface and regular updates; user-reported crash instances are rare and generally tied to extreme market conditions.

The mobile app is noted for being fast and stable with low crash rates, regularly updated; it supports multiple languages including Spanish, displays fees in relevant local currencies, and adapts some features based on your location.

Experience, Performance & Ecosystem

UX/UI

Trade Republic offers a clean, intuitive mobile-first interface ideal for newcomers, with no separate Lite or Pro modes—every user sees the same simple layout, making it easy to start investing quickly.

The interface is clean and intuitive, with a consistent layout that’s easy to navigate for new users—but there’s no explicit “Lite” or “Pro” toggle; advanced settings emerge as you explore deeper into the trading view, offering a seamless learning curve rather than separate modes.

Performance

Orders execute swiftly under normal conditions, though there have been occasional glitches during high-volatility periods; the streamlined mobile app keeps the user flow smooth, and KYC queues remain minimal—even during bull markets, new users typically onboard quickly.

Order execution is generally swift and reliable, though during high-volatility spikes the platform can experience minor latency; KYC verification speeds have notably improved with recent integrations, limiting wait times even when demand surges.

Education

While the platform includes helpful in-app guides and tooltips, it lacks a formal academy, demo account, or simulator; however, many UI elements and descriptions are available in Spanish to assist native speakers.

Blockchain.com offers a robust free Learning Portal filled with beginner-friendly guides, explainer videos, podcasts, and deep dives—you can absorb knowledge at your own pace directly from the platform, although dedicated simulators or demo accounts aren’t currently part of the suite.

Community

Trade Republic doesn’t maintain its own public forums or chat channels, but offers a user-friendly referral program within the app, encouraging word-of-mouth growth over open community engagement.

The exchange supports an official referral program—recently rewarding users with token-based bonuses under defined conditions—and encourages participation through social channels, but there’s no dedicated Blockchain.com Discord or forum hosted by the platform.

Integrations

The platform doesn’t support external integrations—no TradingView, bots, tax tools, or accounting systems—so all activity is contained within the app’s native ecosystem.

The platform includes integrated TradingView charts for in-platform technical analysis and provides API and WebSocket access for connecting external tools, although automated bots, tax-tracking suites, or accounting integrations are not formally embedded.

Who Each One Is Best For

This tool shines for cost-conscious, long-term investors who value simplicity and automation—especially beginners or casual users looking for a fuss-free, mobile-first way to build a diversified portfolio over time.

Blockchain.com works best for users who value a streamlined, educational experience, combined with solid trading tools and direct learning resources—but it may be less suitable for traders seeking ultra-custom interfaces or multi-tool automation.