18 EU countries
ETFs · Stocks · Crypto
€0 per execution
How to set up a savings plan on Trade Republic
Trade Republic savings plans (Sparpläne) let you automate recurring investments into ETFs, stocks, and crypto at zero execution cost. Manual trades cost €1 each — but every savings plan execution is free. This guide covers the full setup flow, every fee in the picture, scheduling rules, and how to edit or cancel a plan without missing an execution date.
Some of the links on this site are affiliate links, meaning we may earn a commission at no extra cost to you if you sign up through them. This does not affect our reviews or recommendations — we only feature products we genuinely believe are useful for investors. This site provides educational content only, not personalized investment advice. Investments can lose value and past performance does not guarantee future results. You are responsible for your own financial decisions and for confirming the tax and legal rules that apply in your country.
Trade Republic fee summary
All figures sourced from Trade Republic’s official pricing page. Always verify current rates before investing.
| Fee type | Amount | Notes |
|---|---|---|
| Savings plan execution | €0.00 | All assets, all cadences — completely free |
| Manual trade (stocks, ETFs, bonds, crypto) | €1.00 flat | External settlement fee; charged per trade regardless of size |
| Platform fee | €0.00/month | No subscription; no plan tiers |
| Custody fee | €0.00 | No annual portfolio charge |
| Minimum deposit | €1.00 | No minimum to open; savings plans require funded cash account |
| FX markup | Not published | Embedded in Lang & Schwarz exchange spread. Conservative proxy: 0.5–1.0% for cross-currency assets. EUR-denominated UCITS ETFs on European exchanges: no separate FX charge applies. |
| Cash interest | Variable | Paid on uninvested cash; check current rate at Trade Republic. A meaningful differentiator vs brokers that pay nothing. |
| Savings plan changes / cancellations | €0.00 | Free at any time before the processing window |
| Savings plan minimum per execution | €1 (crypto confirmed) / €25 typical (stocks, ETFs) | €1 confirmed in official docs for crypto. Third-party sources widely cite €25 for stocks and ETFs; verify in app for your market. |
| Fractional shares | Yes | Via market orders on the Lang & Schwarz exchange |
What is a Trade Republic savings plan (Sparplan)?
A Trade Republic savings plan is a recurring automatic investment order into a specific asset — an ETF, stock, or crypto — executed at a fixed amount and interval you choose. Trade Republic calls it a “Savings plan” in English and a “Sparplan” in German; the Italian interface uses “Piano di Accumulo.” The feature is available across all 18 European countries where Trade Republic operates.
Trade Republic has no paid plan tiers. Savings plans are available to all users from day one — there is no premium tier to unlock the feature.
Savings plan executions are explicitly excluded from the €1 external settlement fee that applies to manual trades. The fee difference is structural, not a promotion.
You can run separate savings plans into a UCITS World ETF, a single stock, and a crypto position simultaneously — each with its own cadence and amount.
How to set up a Trade Republic savings plan in 5 steps
Two paths exist inside the app. Path A is the fastest if you already know which asset you want.
Wealth or Cash → Browse → tap the specific stock, ETF, or crypto → tap Save
Wealth → Orders & Insights → Add savings plan → search for asset → tap Save
Once you tap Save on either path, the setup flow is the same five inputs:
Search or browse to find the specific ETF, stock, or crypto you want to invest in. Bonds are not supported in savings plans.
Type the Euro amount you want invested per execution. The confirmed minimum for crypto plans is €1. For stocks and ETFs, the practical minimum is widely cited as €25 — verify in your market’s app.
Select how often the plan executes: weekly, bi-weekly (twice a month), monthly, or quarterly (every 3 months). All cadences cost €0.
Pick beginning of the month (executes on the 2nd) or middle of the month (executes on the 16th). See the scheduling section below for exact execution dates.
Choose your internal Trade Republic cash balance or link a SEPA direct debit. Review the summary screen showing asset, amount, cadence, and execution date — then tap Confirm your plan. No additional identity check is required.
Execution dates, cadences, and timing
Trade Republic savings plans run on a fixed calendar grid — not on a rolling 30-day cycle from sign-up.
| Cadence | Start timing | Execution dates |
|---|---|---|
| Weekly | Beginning or middle | Every 7 days from the first execution date (2nd or 16th) |
| Bi-weekly (twice a month) | Beginning or middle | 2nd and 16th each month |
| Monthly | Beginning or middle | 2nd or 16th depending on your selection |
| Quarterly (every 3 months) | Beginning or middle | 2nd or 16th of the start month, repeated every 3 months |
The exchange execution dates are the 2nd, 9th, 16th, and 23rd of each month, subject to the exchange being open on that day. Plans can only start from the 2nd or 16th. Execution of stock and ETF plans happens during XETRA opening hours on the Lang & Schwarz exchange; the exact time depends on the asset’s home market. Crypto savings plans execute over the course of the selected day.
For direct debit plans, payment is initiated approximately 1–2 days before the execution date. If an execution date falls on a non-trading day, Trade Republic shifts to the next available trading day.
What can you include in a Trade Republic savings plan?
UCITS ETFs are the primary use case. No restriction on accumulating vs distributing. TER is the only ongoing cost.
Individual stocks including fractional positions. Corporate actions (splits, delistings) can temporarily make a stock unavailable.
€1 confirmed minimum. If only complete fractions can be purchased, leftover cash stays in your cash account until the next execution.
Bonds cannot be added to a savings plan. Manual bond trades cost €1 each.
How to edit, pause, or cancel a Trade Republic savings plan
All management actions are free. Navigate to: Wealth → Orders & Insights → Savings Plans → select plan → Manage.
| Action | Cost | How to do it | Timing constraint |
|---|---|---|---|
| Change amount | €0 | Manage → edit amount field | Must save before processing window (1–2 days prior for direct debit) |
| Change cadence | €0 | Manage → edit cadence selection | Takes effect from next execution cycle |
| Change payment method | €0 | Manage → payment method | Update before next execution window opens |
| Delete / cancel plan | €0 | Manage → Delete | Before the processing window; cancelling stops future executions only — past purchases remain in your portfolio |
What can go wrong — and how to fix it
If your Trade Republic cash account does not have enough funds, Trade Republic warns you a few days before execution. The instalment is skipped on that date and the plan resumes at the next scheduled date if the balance is sufficient.
Fix: Set up SEPA direct debit under Manage → Payment method. Alternatively, top up your cash account at least 2 days before the execution date.
Stocks and ETFs can be temporarily suspended due to corporate actions, delistings, or exchange halts. If your savings plan asset is unavailable on execution day, the instalment is skipped.
Fix: Check your plan history under Orders & Insights for any skipped executions. For delistings, set up a new plan for a replacement asset.
For crypto savings plans, if only complete fractions can be purchased, the full fixed amount may not be fully invested in one execution. Any leftover cash remains in your Trade Republic cash account and is carried forward to the next execution.
Fix: No action needed — the leftover is automatically applied at the next execution.
Trade Republic settlement rules prevent selling savings plan positions on the same day they were purchased. You must wait until the next trading day.
Fix: If you need to rebalance or exit on execution day, place the sell order the following trading day.
Trade Republic savings plan vs manual investing and key alternatives
The savings plan feature removes the execution cost entirely. Here is what that means in practice versus manual approaches and competing platforms.
| Broker / approach | Savings plan fee | Manual trade fee | Annual cost (12 monthly executions) |
|---|---|---|---|
| Trade Republic — savings plan | €0 per execution | €1 per trade | €0 |
| Trade Republic — manual monthly | N/A | €1 per trade | €12/year |
| Scalable Capital FREE — savings plan | €0 per execution | €0.99 per trade | €0 |
| DEGIRO — no native savings plan | Not available | €1 handling fee (Core Selection ETFs) | €12/year (Core Selection, monthly) |
| Trading 212 — no savings plan feature | Not available | €0 manual trade | €0 (manual only) |
They never do on Trade Republic — the savings plan costs less by definition (€0 vs €1 per execution). The only reason to use a manual trade instead of a savings plan is flexibility: manual trades execute immediately at market price, while savings plan executions happen on the fixed calendar schedule. If precise timing matters, use a manual trade. If cost optimisation matters, use the savings plan.
Compared to Scalable Capital: both platforms charge €0 for savings plan executions. The difference is platform depth — Scalable Capital offers a desktop experience and PRIME+ tier features; Trade Republic is mobile-first with a simpler interface. See the Scalable Capital vs Trade Republic comparison for the full breakdown.
Start a savings plan on Trade Republic
Account opening is fully digital — typically approved within a few hours. No minimum deposit required to open. Set up your first savings plan the same day and start investing from €1. Always verify current terms and fee conditions on Trade Republic’s official site before opening.
Go deeper
Trade Republic savings plan — frequently asked questions
Is the Trade Republic savings plan free?
Yes. Trade Republic charges €0 per savings plan execution. The €1 external settlement fee applies only to manual trades — savings plan executions are explicitly excluded. The ongoing ETF cost (TER) is deducted from the fund’s NAV and is not a Trade Republic fee.
What is the minimum amount for a Trade Republic savings plan?
Trade Republic confirms a €1 minimum for crypto savings plans. For stocks and ETFs, official documentation does not state a universal minimum across all markets; the practical minimum is widely cited as €25 for stock and ETF plans. Verify the current minimum for your market in the app before setting up.
What assets can I use in a Trade Republic savings plan?
Trade Republic savings plans support ETFs, individual stocks, and crypto. Bonds are not available for savings plans. You can run multiple plans simultaneously across different assets, each with its own amount, cadence, and timing.
When are Trade Republic savings plans executed?
Savings plans execute on the 2nd, 9th, 16th, or 23rd of the month when the exchange is open. You choose whether your plan runs at the beginning of the month (2nd) or middle of the month (16th). For direct debit plans, payment is initiated approximately 1–2 days before the execution date.
Can I edit or cancel my Trade Republic savings plan?
Yes. Navigate to Wealth → Orders & Insights → Savings Plans → select the plan → Manage. Changes and cancellations are free. You must make changes before the processing window closes — approximately 1–2 days before execution for direct debit plans. After execution, only the next instalment can be modified.
What happens if I don’t have enough cash for my savings plan execution?
If your Trade Republic cash balance is insufficient, Trade Republic warns you a few days before the scheduled date. The instalment is skipped on the execution date and the plan resumes at the next scheduled execution if the balance is sufficient. Setting up SEPA direct debit from your reference bank account within the savings plan settings eliminates this problem entirely.
Some of the links on this site are affiliate links, meaning we may earn a commission at no extra cost to you if you sign up through them. This does not affect our reviews or recommendations — we only feature products we genuinely believe are useful for investors. This site provides educational content only, not personalized investment advice. Investments can lose value and past performance does not guarantee future results. You are responsible for your own financial decisions and for confirming the tax and legal rules that apply in your country.