Comparison

Deblock vs Trade Republic

Self-custody crypto, an everyday account, remunerated euros: what really sets them apart.

Trade Republic and Deblock start from different angles: one is a broker that added crypto and a card, the other a crypto-native account where you hold your keys. Here's an honest, dimension-by-dimension comparison.

Side by side

DeblockTrade Republic

Crypto: who holds the keysDeblock · Non-custodial: you hold your keys and withdraw freely to your own wallet.Trade Republic · Custodial: the bank holds your crypto (BitGo cold storage); transfers to an external wallet are now possible.

Current account + cardDeblock · European IBAN + Visa card, designed as an everyday account.Trade Republic · Visa debit card + IBAN, but the app stays broker and savings oriented.

Remunerated eurosDeblock · 4% option via EURCV (SG Forge tokenised euro) deployed in DeFi on Morpho, opt-in and on-chain verifiable.Trade Republic · Interest on uninvested cash (variable rate, ECB-linked, regularly revised).

Stocks, ETFs, investingDeblock · No: Deblock focuses on crypto and the account.Trade Republic · Yes: stocks, ETFs and savings plans — the core of the product.

RegulationDeblock · Registered PSAN with the AMF, ACPR supervision; MiCA framework.Trade Republic · German banking licence (BaFin); crypto under MiCAR.

Best forDeblock · Truly owning your crypto while keeping an everyday account and card.Trade Republic · Investing in ETFs and stocks with some bank-custodied crypto.

The real difference: who holds your crypto

This is what separates the two apps most. With Deblock, your crypto is self-custodied (non-custodial): you hold your keys and can move them to your own wallet whenever you want — "not your keys, not your coins" doesn't apply. With Trade Republic, your crypto is held by the bank (custodial), stored with a custodian (BitGo); the app recently added transfers, but the model stays centred on institutional custody.

What Trade Republic does better

To be fair: Trade Republic is first and foremost a broker. If your goal is to invest in ETFs, stocks or automated savings plans, its offering is far broader than Deblock's, which has no investing desk. Trade Republic also pays interest on uninvested cash, handy for money sitting idle.

Who Deblock is the best choice for

Deblock is for people who want to truly own their crypto (self-custody) while keeping a current account and card for everyday life, plus the transparent 4% option. If control of your keys and a crypto-native account matter more than access to a brokerage, Deblock is the more aligned option.

Frequently asked questions

Deblock or Trade Republic for crypto?

To truly own your crypto, Deblock: self-custody leaves you the keys and free withdrawals. Trade Republic holds the crypto for you (custodial), with transfers possible but a centralised, bank-led model.

Do both remunerate euros?

Yes, but differently. Trade Republic pays interest on uninvested cash (variable rate). Deblock offers a 4% option via EURCV deployed in DeFi (Morpho), opt-in and on-chain verifiable. Neither is a guaranteed return.

Can you withdraw crypto to your own wallet?

With Deblock, yes by default: it's non-custodial. With Trade Republic, crypto is held by the bank; transfers to an external wallet are possible subject to the current terms.

Which one is regulated?

Both. Trade Republic holds a German banking licence (BaFin) and runs crypto under MiCAR. Deblock is registered as a PSAN with the AMF, under ACPR supervision, within the MiCA framework.

The verdict

If you want to own your crypto and an everyday account, Deblock. If you want to invest in ETFs and stocks first with some crypto, Trade Republic. Many users combine both.

Ready to try Deblock?

Open a Deblock account

Independent comparison, for information only. Information accurate as of 2026 and subject to change — check each service's official terms. Guide-deblock.com is independent and not affiliated with Trade Republic.