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 account paying 6% interest on PLN cash. Since 12 May 2026, the rate applies to all clients, not only new ones. For clients who joined from July 2026, it covers balances up to 200,000 zł, and anything above that earns the National Bank of Poland (NBP) deposit rate, currently 3.25%. Interest is paid monthly, with the 19% Belka tax withheld.
• Trading in stocks, ETFs and crypto in złoty (PLN): free through savings plans, or 4 zł per order, with no FX fee. Since July 2026, orders are routed to the best price across around 30 exchanges.
• A Visa debit card with 1% Saveback on card spending, up to 40 zł a month, automatically invested into your savings plan (you need a savings plan of at least 100 zł a month). ATM withdrawals are free from 200 zł, and cost 4 zł below that.

Trade Republic now has more than 10 million customers in 18 European countries and over €150 billion in assets, according to its May 2026 press release. Since April 2026 it also offers 24/7 customer support with real people.

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 account paying 6% on PLN balances, one of the highest rates in Poland.
• 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.
• Supervision by BaFin and the Bundesbank (Trade Republic Bank GmbH is a fully licensed German bank), €100,000 German deposit protection on cash, and securities held separately at Clearstream in Frankfurt.

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).
• Simpler tax handling for interest than for investments: Trade Republic withholds the 19% Belka tax on interest, but for capital gains and dividends you will usually file the PIT-38 yourself, using the annual tax report in the app.
• No IKE or IKZE retirement accounts, which Polish brokers offer with tax advantages.
• 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 usually need to calculate your capital gains and dividends in Polish złoty and file the PIT-38 yourself. Trade Republic withholds the 19% Belka tax on interest and provides an annual tax report in the app, but check before tax season whether it issues a PIT-8C for your account.
• IKE and IKZE: these Polish retirement accounts let you avoid the 19% Belka tax (IKE) or deduct contributions from your income (IKZE), within annual limits. They are offered by Polish brokers such as XTB, but not by Trade Republic.

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 account paying 6% on PLN cash, 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 stocks and ETFs with no commission, other fees may apply, fractional shares and Pies & AutoInvest), 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.