Trade Republic Bank GmbH

Berlin, 15 October 2025 – Trade Republic, Europe’s largest savings platform, continues its evolution into a wealth manager. With the introduction of new fixed-income products, the bank is launching the second of three new asset classes just one month after Private Markets. At the core of the offering is a Fixed Interest product that allows customers to target multi-year interest income above the ECB deposit rate. Customers can choose from a wide range of bond ETFs. While interest levels are comparable to traditional term deposits, Trade Republic customers retain the flexibility to sell at the current market price at any time. The new Fixed Income products enable investors to access a lower-risk asset class and further broaden the diversification of their portfolios.

“For long-term wealth building, combining different asset classes is essential. That’s how professionals invest, and we’re now making that possible step by step for everyone,” says Christian Hecker, Co-Founder of Trade Republic. “The strong demand for our interest-bearing products shows that many people want a simple and secure way to get started. With the new offering, we provide exactly that—stable returns with lower risk.”

With the new Fixed Interest product, Trade Republic customers can invest from €1 in a broadly diversified set of bond ETFs linked to issuers such as major governments and companies, targeting interest income over several years. Unlike classic term deposits, investors remain flexible because the products can be sold at any time at the current market price. Depending on the maturity, returns are on average 1–3 percentage points above the average savings account rate. Interest payments are distributed to customers quarterly.

As one of the first providers in Europe, Trade Republic is also offering simple, low-cost access to bonds in the North American market, significantly expanding its fixed-income universe. Customers can invest in issuers such as Apple or Netflix and potentially benefit from the higher U.S. rate environment, with consideration of currency risk.

The new bond and fixed-rate products, with their clearly defined maturities, provide planning certainty while keeping investors flexible: the products can be sold at any time at current market value. This makes them ideal for saving toward specific goals such as a vacation, a car, or a home.