Detailed comparison of all fees, features, and suitability — updated for 2026.
Coinbase is the better choice for Krypto-Anleger, while Trade Republic wins for Beginners. Which one suits you depends on your strategy — the detailed comparison below shows every difference.
| Metric | Coinbase | Trade Republic | Difference |
|---|---|---|---|
| Order fee per trade | 0.40 € | 1.00 € | 0.60 € cheaper at Coinbase |
| 10y savings plan cost @ €100/month | 48 € | 0 € | 48 € cheaper at Trade Republic |
| Interest on €10,000 cash (1 year) | — | 3.25 % = 325 € | +325 € more at Trade Republic / year |
| Free ETF savings plans | 0 | 2.200 | +2.200 more at Trade Republic |
| Available exchanges | 2 | 1 | +1 more at Coinbase |
| BMInsider rating | 4.2/5 | 4.3/5 | +0.1 at Trade Republic |
All fees, products, and platform features compared side-by-side. The "Winner" column shows which broker leads in each category.
| Feature | Coinbase | Trade Republic | Winner |
|---|---|---|---|
| Fees & Costs | |||
| Order Fee | 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced | 1€ per Order | Coinbase |
| ETF Savings Plan Fee | - | 0€ | Trade Republic |
| Account Fee | 0€/Year | 0€/Year | Tie |
| Minimum Deposit | $1 | 0€ | Tie |
| Interest on Cash | 0% | 3.25% | Trade Republic |
| Product Range | |||
| Stocks | Trade Republic | ||
| ETFs | Trade Republic | ||
| Crypto | Tie | ||
| Options | Tie | ||
| CFDs | Tie | ||
| Fractional Shares | Tie | ||
| Number of Exchanges | Krypto-Spot, Krypto-Futures | LS Exchange | Coinbase |
| Platform & Tools | |||
| Mobile App | Tie | ||
| Desktop Platform | Tie | ||
| Demo Account | Tie | ||
| Security & Regulation | |||
| Regulated by | NYDFS · BaFin · FCA | BaFin | Tie |
| Deposit Protection | - | 100.000€ | Tie |
| Founded | 2012 | 2015 | Tie |
| Overall Rating | |||
| Rating | ★★★★★ | ★★★★★ | Trade Republic |
Depending on your strategy and experience, one broker fits better. Here's how to decide:
Low barriers, simple app, demo account and no hidden costs — perfect to get started.
More about Trade Republic →Low per-order fees, many trading venues and derivatives access — important if you trade regularly.
More about Coinbase →Free savings plans, interest on cash and no custody fee — what matters when you buy & hold.
More about Trade Republic →Coinbase is the only crypto exchange listed on a major stock exchange (NASDAQ: COIN). SOC2-certified, NYDFS-regulated, with the highest institutional acceptance in the US — but at higher fees than pure crypto exchanges in its standard tier.
Particularly suitable for: Krypto-Anleger, Bitcoin-Käufer, HODL-Investoren.
Trade Republic is a German neo-broker with extremely low fees (€1 per trade) and free ETF savings plans. Ideal for beginners and savings plan investors.
Particularly suitable for: Beginners, Savings Plan Investors, Mobile-First.
Coinbase (Coinbase Germany GmbH with German BaFin licence for crypto custody and proprietary trading, Coinbase Luxembourg S.A. with MiCA licence since 2025) and Trade Republic (BaFin/Bundesbank) meet on the German crypto market. Coinbase Standard charges 1.49% per trade plus ~0.50% spread; Advanced Trade 0.40% maker / 0.60% taker without separate spread. Trade Republic crypto ~0.99% implicit, but with multi-asset and cash interest.
Honest take: Coinbase is the pick for US-market-experienced crypto investors wanting institutional security (NASDAQ-listed, $375m FDIC insurance on USD balance). Trade Republic is the pick for DACH multi-asset with steuereinfach convenience.
You want Coinbase Advanced Trade for low fees. 0.40% maker / 0.60% taker beats Trade Republic 0.99% spread. At €5 000/month volume you save ~€3 per month in maker mode.
You want self-custody withdrawal to external wallets. Coinbase allows crypto withdrawal to hardware wallets (Ledger, Trezor). Trade Republic allows no withdrawal.
You want crypto staking. Coinbase staking on 9 coins (ETH, SOL, ADA, DOT, ATOM, MATIC, XTZ etc.) with 25% commission. Trade Republic no staking.
You want USDC without trading fees. Coinbase USDC: 0% conversion fee (own stablecoin). Trade Republic has no USDC trading.
You want Coinbase Wallet (separate self-custody app). Coinbase Wallet is a self-custody app for DeFi access. Trade Republic has no DeFi component.
You want the German tax certificate on crypto. Trade Republic withholds 25% KESt automatically and delivers a German certificate for Anlage KAP. Coinbase pays gross — you declare all trades in Anlage SO yourself.
You want 2.75% cash interest on EUR balance. Trade Republic 2.75% p.a. on up to €50 000. Coinbase pays USDC rewards (variable, currently ~4–4.9% p.a.) but only on USDC, not on EUR balance.
You want stocks, ETFs and crypto in one app. Trade Republic 8 000 stocks, 2 400 ETFs, 50 crypto. Coinbase is crypto-only.
You want stock savings plans from €1. Trade Republic. Coinbase has no stocks.
You want no Coinbase Standard spread trap. Coinbase Standard mode (default in app) charges 1.49% + 0.50% spread = ~2% total cost. Only Advanced Trade is cheap — beginners often pay the Standard fee.
Germany — Trade Republic steuereinfach, Coinbase not. Trade Republic withholds 25% KESt automatically. Coinbase pays gross; declare all crypto trades in Anlage SO yourself.
§23 EStG for crypto: 1-year holding tax-free. Trade Republic tracks automatically. Coinbase users export tax report CSV.
Austria — neither AT-steuereinfach. AT users via FinanzOnline.
Staking tax: Coinbase staking rewards: 10-year speculation period per BMF. Trade Republic no staking.
USDC rewards: Coinbase USDC rewards (~4%): interest-like income; §20 EStG (25% KESt). Trade Republic 2.75% on EUR is KESt-taxable (Trade Republic withholds automatically).
Profile — Buy-and-hold with €6 000 volume: 12 monthly €500 BTC buys.
| Item | Trade Republic | Coinbase Standard | Coinbase Advanced |
|---|---|---|---|
| 12× €500 BTC buy | 12× €5 = €60 | 12× €10 (1.99%) = €120 | 12× €2 (0.4% maker) = €24 |
| 1× withdrawal | €0 | €0.15 SEPA | €0.15 SEPA |
| Tax | steuereinfach | self-declaration | self-declaration |
| Yearly cost | ≈€60 | ≈€120 | ≈€24 |
Coinbase Advanced clearly cheaper on active crypto buys. But careful: Coinbase Standard (default in app) is twice as expensive as Trade Republic. Anyone wanting Advanced must consciously switch.
Pick: Trade Republic. Steuereinfach, cash interest, stocks/ETFs.
Pick: Coinbase Advanced. 0.4% maker.
Pick: Trade Republic. Coinbase Standard (default) is pricier than Trade Republic.
Pick: Coinbase. Wallet withdrawal + Coinbase Wallet app.
Pick: Coinbase. ~4% USDC rewards. Trade Republic has no USDC.
Answers to the most common questions about Coinbase vs Trade Republic.
For order fees, Coinbase leads at 1.49 % – 3.99 % / 0.4 %–0.6 % Advanced, while Trade Republic charges 1€ pro Order. Note: with CFD brokers, spreads add hidden cost — the lower nominal price isn't always cheaper overall.
Coinbase is regulated by NYDFS · BaFin · FCA, Trade Republic by BaFin. Both fall under EU oversight. Deposit protection: Coinbase -, Trade Republic 100.000€.
For German/Austrian customers, language, BaFin regulation and tax-simple status often matter most. Check the 'Regulated by' and 'Languages' rows — DACH-focused brokers usually have the edge.
Trade Republic offers free ETF savings plans from 1€. If a savings plan matters to you, that's a clear edge.
Both are covered under their home regulator's deposit protection. Coinbase: -, Trade Republic: 100.000€. Securities are held in segregated accounts and protected in case of broker insolvency.
Trade Republic leads on cash interest at 3.25%. Watch the conditions — some brokers require a paid plan or cap the amount.
Both offer native mobile apps with good app-store ratings. Which is better depends on your needs — try both with a demo account if available.
A second broker makes sense when one offers features the other lacks (e.g. options, crypto, more exchanges). A full switch is only worth it if the cost difference or missing features are significant.
Sign up with the broker that fits your strategy. Both are regulated and offer a demo account to test risk-free.
