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-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.
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, 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.
This article was written by Damian Chmiel at www.financemagnates.com.
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