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Trade Republic
Savings Account
2%
AER
German investment app offering 2% on uninvested cash up to €50k. Good for those also interested in investing.
Type
Instant Access
Term
Instant
Protection
German DGS
After DIRT
1.34%
Interest Calculator
€5,000
Gross Interest (1 year)
€100.00
DIRT Tax (33%)
-€33.00
You Keep
€67.00
Pros
- •Solid 2% rate
- •Instant access
- •German DGS protected
- •Also offers low-cost investing
Cons
- •€50k maximum earning interest
- •Must file DIRT yourself
- •Primarily an investment app
Best For
Those interested in investing tooBalances under €50k
Important Notes
Interest on uninvested cash. Max €50k earns interest. DIRT not auto-deducted - self-declare on tax return.
Tax & Admin Info
What is Trade Republic? A German investment app that also offers interest on uninvested cash up to €50,000.
Tax: Trade Republic doesn't auto-deduct DIRT. You'll need to self-declare interest on your annual tax return (Form 12).
Protection: Your cash is protected up to €100,000 by the German Deposit Guarantee Scheme.
vs Irish inflation (2.1%):-0.76% real returnBelow inflation
CSO CPI December 2025Similar Accounts
Rate verified: 2026-02-05