Offers up to 1% cashback on all purchases, guaranteed.
In the world of digital banking, competition is fierce, and C24 Bank and Trade Republic are no exception. Both neobrokers offer a range of services, but when it comes to debit cards, C24 stands out with its attractive cashback program and additional perks.
C24 Bank offers an appealing checking account, including a free version. However, the real draw is their C24 Plus and C24 MAX account models. These premium accounts come with a host of benefits, such as up to 20 sub-accounts, 20 free withdrawals per month, insurance via ARAG account, and buyer protection.
What sets the C24 debit card apart is its cashback offer. The card provides a base cashback of between 0.05% to 0.2% on all transactions. But that's not all - it also offers up to 10% cashback at selected partners like Netflix, Uber, Lieferando, Shell, and more.
In comparison, the Trade Republic debit card primarily offers standard debit and mobile payment features. While it supports Apple Pay and Google Pay like C24, it does not seem to have a comparable cashback program or extensive perks according to available information.
The C24 debit card also offers additional benefits like free worldwide payment and some free ATM withdrawals, up to 20 free sub-accounts, and interest on deposited funds. There's even a Goldclub membership for extra bonuses on travel bookings.
However, it's important to note that the C24 debit card does come with fees, including a yearly fee on some cards and charges for withdrawals beyond the free limit. Trade Republic cards, on the other hand, typically have minimal fees.
In terms of cashback, C24 offers a more valuable and feature-rich option. If cashback and bonus rewards are your priority, C24 could be the better choice. Trade Republic’s card may appeal more for basic modern debit card use, especially within its investing ecosystem, but is less competitive on cashback incentives based on current data.
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As for the Trade Republic debit card, it still offers a better deal in terms of cashback, as it is not tied to any costs. So, whether you're a fan of C24 or Trade Republic, both banks offer competitive services that cater to different needs and preferences.
[1] C24 Bank, "C24 Debit Card Cashback Offer: How It Works and How to Activate." Accessed 2022-03-22. [2] C24 Bank, "C24 Bank Accounts: Features, Fees, and Benefits." Accessed 2022-03-22. [3] Trade Republic, "Trade Republic Debit Card: Features, Fees, and Benefits." Accessed 2022-03-22.
- C24 Bank's premium accounts, such as C24 Plus and C24 MAX, offer various benefits in addition to personal finance services, including up to 20 sub-accounts, insurance via ARAG account, buyer protection, and a cashback program on debit card transactions.
- Despite Trade Republic's debit card offering standard debit and mobile payment features, it does not seem to have a cashback program or extensive perks such as those offered by C24, making C24 Bank a potentially better choice for those prioritizing cashback and bonus rewards.
