Widely known in Germany, Trade Republic has attracted the attention of several Croatian investors, offering interest on uninvested cash, a slick and modern app, and low commissions.
Want to know if Trade Republic is available in Croatia, the company’s expansion plans, and the alternatives available for Croatian investors? We’ve got you covered.
Is Trade Republic available in Croatia? 🇭🇷
No, Trade Republic is not yet available in Croatia.
Trade Republic keeps investing in its European expansion, but it has not announced any plan to enter Croatia.
There is one development worth knowing about, since it changes what is plausible from here. In September 2025, Trade Republic launched in Poland, its first market outside the eurozone. Until then, its footprint was effectively euro-only, which made non-euro markets look distant. Croatia has used the euro since 2023, so the currency is no longer an obstacle either way. That does not amount to an announcement, and we would not plan around it, but the door is less closed than it was.
We tried to open an account, and Croatia appeared among the unsupported countries:
Trade Republic is not available in Croatia
Where is Trade Republic available? 🌎
Trade Republic currently serves 18 European countries: Austria, Belgium, Estonia, Finland, France, Germany, Greece, Ireland, Italy, Latvia, Lithuania, Luxembourg, the Netherlands, Poland, Portugal, Slovakia, Slovenia, and Spain.
It remains unavailable in Croatia, and also in the UK, Switzerland, the US and Canada, with no published timeline for any of them.
Trade Republic alternatives in Croatia
- Interactive Brokers: best for experienced investors
- Trading 212: the closest alternative. New users get a free fractional share.
For a wider set of options available to Croatian residents, see our guide to the best brokers in Croatia.
Capital at Risk. Sponsored Link. To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 through this link. Terms apply.
Conclusion
If you want to open a Trade Republic account from Croatia, you are out of luck for now: it is not possible. That said, the brokers above are solid choices, and one of them is a close match for what draws people to Trade Republic in the first place.
Whether you value security and reputation or want a commission-free trading platform, the alternatives presented are a good starting point. Explore their websites and decide for yourself.
If you haven’t found a match, you can still look at our comparison of online brokers available by country.
Risk disclaimer: when investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
FAQs
What is Trade Republic?
Founded in 2015, Trade Republic is an investment app that allows users to invest in stocks, ETFs, bonds, derivatives and crypto, plus savings plans covering all of these. It has grown into one of Europe’s largest savings platforms, with around 10 million customers and roughly €150 billion in client assets and cash across 18 countries.
It holds a full banking licence from the European Central Bank, obtained in December 2023, and is supervised by BaFin and the Bundesbank. Cash is protected up to €100,000 by the German deposit guarantee scheme, and client securities are held with a custodian bank, separate from Trade Republic’s own balance sheet.
How does Trade Republic make money?
As economists like to say, there is no such thing as a free lunch. Trade Republic historically earned a meaningful share of its income from payment for order flow (PFOF), which means being paid to route client orders to particular market makers, a practice that creates a potential conflict of interest between broker and customer.
That route is closing. The EU ban on PFOF takes effect on 30 June 2026, so the company has been shifting its revenue mix towards:
- Net interest income: with a full banking licence, Trade Republic earns a margin on customer cash, paying part of it back as interest and keeping the rest. This is now a central part of the model;
- Securities lending: brokers commonly lend out client securities in exchange for a fee. Third parties borrow them to hedge, to arbitrage, to build structured products or to sell short;
- Transaction and third-party fees: a small external fee applies to individual orders, while savings plan executions are free;
- Other charges: small withdrawal, corporate action and administrative fees.
Knowing how a free app pays for itself is worth two minutes of anyone’s time, whichever broker you end up choosing.
Can I use a VPN to open a Trade Republic account from Croatia?
No. Onboarding requires an address and identity documents from a supported country, and a VPN does not change either. Beyond not working, using a broker that is not authorised to serve your country can leave you outside local investor protection and create tax reporting problems that fall on you, not on the broker.
