Trade Republic with fixed interest and bonds

Trade Republic is further expanding its Wealth Management. One month after launching the Private Markets product, the bank is now launching the second of three new asset classes: Interest rate products. The core of the offering is a fixed-interest product that enables customers to secure interest rates above the ECB rate for years to come. The selection is made via a large number of bond ETFs, which can be chosen individually based on maturity and yield potential.

Since the industry revolution in January 2023, when Trade Republic introduced the pass-through of the ECB deposit rate, €2.5 billion in interest has already been paid out to customers.

Flexibility and attractive returns

The new product offers several advantages compared to traditional fixed-term deposits:

• Broad diversification: investment from as little as 1 euro in large countries and companies
• Flexibility: sale possible at any time at the current market price
• Attractive return: On average 1-3 percentage points above an overnight deposit account
• Regular distribution: interest is credited quarterly

The products are ideal for investors who want to integrate lower-risk asset classes into their portfolio and, according to the company, at the same time gain planning security for specific goals such as a vacation, car or property.

The combination of different asset classes is crucial for long-term wealth accumulation. This is how the professionals invest - and we make this possible for everyone, step by step.

Christian Hecker, Co-Founder of Trade Republic

Access to US bonds for European clients

Trade Republic gives its clients access to US government and corporate bonds, including companies such as Apple and Netflix.

The strong demand shows that many people are looking for a simple and secure way to start building their wealth. With the new fixed-interest product, we offer stable returns with low risk.

Christian Hecker, Co-Founder of Trade Republic

This allows investors to benefit from higher interest rates in the USA, but they must be aware of the currency risk. The offer significantly expands the existing bond portfolio and at the same time offers clear maturities for reliable planning without losing flexibility.

No investment advice, no legal advice

This article is for information purposes only and does not constitute investment advice. Each person is responsible for their own investment decisions. Even though government bonds and diversified bond products are often considered somewhat safer than equity investments, there are still risks involved. Fixed-interest products can be useful and justified as an addition with a manageable investment horizon. Nevertheless, the question remains as to whether investors are always sufficiently informed about the opportunities and risks and are aware of the potential dangers.

After Kinderdepot and private equity offerings, Trade Republic continues to drive the German brokerage market forward and set new standards. At the same time, the provider is apparently already preparing for the time after "payment for order flow". This business model will be prohibited by an EU-wide ban from 2026, which will force neobrokers to adapt their sources of income. The coming weeks should therefore be exciting: Providers will have to find their own solutions in order to remain profitable. This can ultimately be beneficial for the end customer, as active competition promotes innovation and service quality. At the same time, it will be difficult for neobroker customers to understand that the era of extremely low-cost trades is likely to end.