One month after its wealth management debut with Private Markets, the German platform introduces fixed-rate bond ETFs. The service offers predictable returns, flexibility, and access to U.S. bonds, with attention to currency risk.
From Private Markets to Fixed Income
Just over a month after introducing Private Markets, Trade Republic unveils its second new asset class for 2025: Fixed Income. This addition further strengthens the digital platform—already trusted by millions of users across 18 European countries, and managing over €150 billion in assets—by offering fixed-rate bond instruments designed to deliver multi-year returns with operational flexibility.
For a deeper look at the fintech’s initial step into wealth management, read the full article on Private Markets [here].
ECB Rate Pass-Through and Predictable Returns
The new product builds on the model introduced in January 2023, which passes the ECB deposit rate directly to customers. Since its launch, Trade Republic has distributed more than €2.5 billion in interest.
Fixed Income provides bond ETFs with defined maturities, offering quarterly interest payments and the flexibility to sell at any time at the prevailing market price. Average returns are typically 1–3 percentage points above traditional interest-bearing current accounts.
“Building long-term wealth requires a diversified approach across asset classes. This is how professionals invest, and now we make it possible, step by step, for everyone,” says Christian Hecker, co-founder of Trade Republic.
Access to the U.S. Bond Market
One of the platform’s standout innovations is providing European investors with access to U.S. government and corporate bonds, including issuers such as Apple and Netflix. This enables customers to take advantage of higher interest rates in the U.S., while remaining mindful of currency risk.
Clear Goals and Flexibility
Fixed-rate ETFs come with defined maturities and predictable returns, making them well-suited for concrete savings goals such as vacations, cars, or homes. Unlike traditional time deposits, they offer the flexibility of early sale, with liquidity provided at the prevailing market price.
Trade Republic’s Strategy
With Fixed Income, Trade Republic reinforces its vision as a comprehensive wealth management platform, complementing Private Markets with digital bond instruments. The platform also offers integrated savings plans, fractional ETFs, derivatives, crypto, and a card that provides 1 % Saveback on every payment.
