Is Trade Republic available in Poland? Alternatives in 2026

Is Trade Republic available in Poland? 🇵🇱

Yes, Trade Republic is now available in Poland, as announced in a press release by the company in September 2025:

Poland is the first market outside the Eurozone where Trade Republic has launched. The Polish offering includes:

• A Polish IBAN savings account paying interest on PLN cash balances (currently 6% for new clients as a promotional rate, with the standard rate tracking the National Bank of Poland’s deposit rate).
• Trading in stocks, ETFs, and crypto directly in złoty (PLN) – free via Savings Plans, or at just 4 zł per order, with no FX commission on PLN-based trades.
• A Visa debit card with 1% Saveback on card spending, automatically invested into your Savings Plan, plus unlimited free ATM withdrawals worldwide for transactions of 200 PLN or more.

This launch reflects Trade Republic’s broader strategy to expand its presence across Europe and provide Polish savers with accessible long-term wealth-building tools.

Should you use Trade Republic in Poland?

Now that Trade Republic is officially available in Poland, many investors might be wondering whether it’s the right platform for them.

Trade Republic offers clear advantages, such as:

• A Polish IBAN savings account with competitive interest on PLN balances.
• Low-cost access to stocks, ETFs, and crypto directly in złoty – with free Savings Plans and a simple flat 4 PLN fee per regular trade.
• A clean, mobile-first platform that’s easy to use, especially for beginners.
• BaFin regulation (Trade Republic Bank GmbH is a fully licensed German bank) and €100,000 German deposit protection on cash balances.

However, there are also limitations to consider:

• Fewer advanced trading tools compared with global brokers like Interactive Brokers or Saxo.
• A narrower product range – no options, futures, or forex (though stocks, ETFs, bonds, crypto, and derivatives are available).
• No automatic Polish tax reporting (PIT-38) – unlike Polish brokers, you’ll need to manually calculate your capital gains and dividends in PLN at tax time, although Trade Republic provides an annual tax statement to help.
• Customer support and educational resources are more limited than at some larger, established brokers.

For beginners or those looking for a simple, low-cost way to start investing and earn interest on uninvested cash, Trade Republic is an attractive choice. For investors seeking more sophisticated tools, broader asset classes, or simpler Polish tax reporting, other strong alternatives are also worth considering – we cover them below.

Tax considerations for Polish investors

When choosing a broker in Poland, the tax reporting experience is worth considering carefully:

• Polish brokers (such as XTB): automatically generate the PIT-38 tax form, making annual Polish tax reporting significantly easier.
• Foreign brokers (Trade Republic, IBKR, eToro, Trading 212): you’ll need to manually calculate your capital gains and dividends in Polish złoty and file the PIT-38 yourself. Some brokers (including Trade Republic) provide annual tax reports to help, but they’re typically not in the Polish tax format, so additional work is required.

This is a meaningful practical difference – for investors who value convenience and easier local tax reporting, a Polish-regulated broker like XTB can save significant time at tax-filing season. For those willing to do the extra paperwork (or use accounting tools), foreign brokers often offer features and pricing that compensate for the added effort.

Conclusion

If you’re based in Poland, you can now open a Trade Republic account directly, as the broker officially launched in the country in September 2025. With a Polish IBAN savings account, competitive interest on PLN cash balances, and low-cost trading in stocks, ETFs, and crypto, it’s a solid option for many investors – particularly beginners and those looking for a simple, modern, mobile-first experience.

However, Trade Republic won’t fit every investor’s needs. If you prefer a platform with a wider range of assets, more advanced tools, local Polish tax reporting (PIT-38), or a different fee structure, the alternatives we’ve highlighted – XTB (a Warsaw-headquartered broker with native PLN support and automatic PIT-38 generation), Interactive Brokers (for the widest global market access), eToro (for social trading and a broad asset range), or Trading 212 (for commission-free real investing, fractional shares, and high interest on uninvested cash) – remain excellent choices.

Ultimately, the best broker depends on your investment style, priorities, and how you want to handle Polish tax reporting. Take some time to explore each platform’s offering and choose the one that best aligns with your financial goals.

If you haven’t found a clear match, you can also look at our comparison of online brokers available by country.