The Berlin-based Trade Republic is rolling out fixed income investment options for its retail customers, marking the second expansion of its wealth management capabilities in as many months.

Trade Republic Adds Fixed Income Products, Pays €2.5 Billion in Interest

The digital bank said customers can now buy bond exchange Exchange An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv An exchange is known as a marketplace that supports the trading of derivatives, commodities, securities, and other financial instruments.Generally, an exchange is accessible through a digital platform or sometimes at a tangible address where investors organize to perform trading. Among the chief responsibilities of an exchange would be to uphold honest and fair-trading practices. These are instrumental in making sure that the distribution of supported security rates on that exchange are effectiv Read this Term-traded funds with defined maturity dates, earning yields that run 1 to 3 percentage points above typical instant-access savings accounts. The products pay interest quarterly directly into customer accounts and can be liquidated at current market prices without the lock-up periods required by traditional term deposits.

Trade Republic has paid out €2.5 billion in interest to customers since it began passing through the European Central Bank's deposit rate in January 2023. The bank now manages over €150 billion in assets across 18 European markets.

From chart to pie. Keynote II.

Today, we are adding our second new portfolio and expand our wealth management offering with Fixed Income, including two new features:

Start with just 1 €, lock in interest for years and stay flexible to sell at any time if you need your money… pic.twitter.com/qEDQCY6uSE

— Trade Republic (@traderepublic) October 14, 2025

This is another move by the platform following its entry a month ago into its first market outside the eurozone, officially targeting customers in Poland. Recently, the local market has seen a noticeable intensification of the price war for customers.

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Bond ETFs Target Multi-Year Returns

The new fixed income products let customers invest starting at €1 in bond ETFs tied to government and corporate issuers. Unlike bank certificates of deposit, which typically lock up funds until maturity, Trade Republic's offering allows investors to exit positions at prevailing market rates.

“For long-term wealth building, combining different asset classes is essential,” Christian Hecker, co-founder of Trade Republic, said. “The strong demand for our interest-bearing products shows that many people want a simple and secure way to get started.”

The product launch comes one month after Trade Republic introduced private market investments, part of a three-pronged expansion into new asset classes. The bank has not disclosed what the third category will be.

In the meantime the neobank launched in Italy and was able to double its user base to 8 million users.

U.S. Debt Markets Open to European Retail

Trade Republic is among the first European platforms offering retail access to U.S. government and corporate bonds, including debt from companies like Apple and Netflix. The move gives customers exposure to higher U.S. interest rates, though they face currency fluctuation risks on dollar-denominated holdings.

The bank's existing product lineup includes stocks, ETFs, cryptocurrencies Cryptocurrencies By using cryptography, virtual currencies, known as cryptocurrencies, are nearly counterfeit-proof digital currencies that are built on blockchain technology. Comprised of decentralized networks, blockchain technology is not overseen by a central authority.Therefore, cryptocurrencies function in a decentralized nature which theoretically makes them immune to government interference. The term, cryptocurrency derives from the origin of the encryption techniques that are employed to secure the netw By using cryptography, virtual currencies, known as cryptocurrencies, are nearly counterfeit-proof digital currencies that are built on blockchain technology. Comprised of decentralized networks, blockchain technology is not overseen by a central authority.Therefore, cryptocurrencies function in a decentralized nature which theoretically makes them immune to government interference. The term, cryptocurrency derives from the origin of the encryption techniques that are employed to secure the netw Read this Term, derivatives and savings plans, along with a debit card that returns 1% of spending as savings. Trade Republic operates as a regulated bank under supervision from Germany's Federal Financial Supervisory Authority and the Bundesbank.

The fixed income rollout positions Trade Republic to compete more directly with traditional banks for customer deposits, particularly as European interest rates remain elevated compared to the near-zero levels that persisted through much of the past decade.