Updated 4 November 2026
How Saveback works
With Saveback, Trade Republic invests part of your card spending for you instead of paying it back as cashback. According to the Trade Republic help centre (September 2026):
- Amount
- 1% of eligible card payments made from your cash balance, capped at €15 a month, reached at €1,500 of spending.
- Condition
- At least €50 a month in savings plans, run weekly, every two weeks or monthly. Quarterly plans do not count. The €50 can be spread over several plans.
- Timing
- A month's Saveback is invested on the 2nd day of the following month, or the next business day, if the condition is met. Otherwise it expires. In the export, the credit is dated the 1st of the month.
- Excluded
- Among others: cash withdrawals, top-ups of accounts such as PayPal or Curve, transfers, gambling and security purchases (full list).
Since November 2025, payments made directly from your crypto balance earn 2% Saveback, up to €1,500 of spending a month, so €30 at most (Trade Republic press release of 14 November 2025). The help centre article does not describe this variant.
The conditions change from time to time: Trade Republic's own page always takes precedence.
How much does Saveback earn?
With 1% of card payments made from your cash and the €15 monthly cap, if the savings plan condition is met:
| Card payments per month | Saveback per month | Per year | Invested 10 years at 5% a year |
|---|---|---|---|
| €200 | €2 | €24 | €307 |
| €500 | €5 | €60 | €767 |
| €1,000 | €10 | €120 | €1,534 |
| €1,500 | €15 (cap) | €180 | €2,300 |
| €3,000 | €15 (cap) | €180 | €2,300 |
The last column is an assumption: each Saveback invested the following month, with a constant 5% return a year, which the market does not guarantee. Above €1,500 of spending, Saveback stops growing. For other amounts, other periods or Saveback added to your plan, see the savings plan calculator.
Where can I see my Saveback?
The app shows each credit and the purchases of your savings plan. For an analysis over many months, with rate, cap and missed months, the CSV export is a better fit: it contains every card payment, every Saveback credit and every purchase. That is what NokxiStats calculates from.
The help centre explains where to switch Saveback on (Card tab, Settings and Security, Benefits) and when it is invested, but does not describe a screen with the running total. To know how much you have received since the start, you need to add up the credits: that is what NokxiStats does from the export.
What NokxiStats calculates
- Saveback received over the whole period, each credit matched to its spending month (the month before).
- Effective rate: Saveback received divided by the card payments of the months concerned. Below 1% means you went over the cap or had months without a credit.
- Smoothed average per month and per year, over all months with card payments.
- Cap reached: the months in which your spending exceeded €1,500.
- Not paid: months with card payments but no Saveback, with an estimate of what 1% would have given. Usually the savings plan condition was not met.
- Value today: each credit is matched to the purchase that follows it and valued at the current price, so you see what your Saveback has become on the market.
A worked example
A made-up example over three months:
- January: €1,800 of card payments, but the savings plan condition is not met: no Saveback, the possible €15 expire.
- February: €900 of card payments, plan executed: €9 of Saveback, invested early March.
- March: €1,600 of card payments, plan executed: €15 (cap reached), invested early April.
€4,300 of card payments earned €24 of Saveback: an effective rate of 0.56% instead of the advertised 1%. Not paid: €15 in January. On average €8 a month, about €96 a year, before the shares go up or down.
How to analyse your Saveback
- Download your transactions as a CSV file (how to export from the app or the browser), ideally covering everything since your first card payment.
- Drop the file above, or try the sample data first.
- The Saveback tab opens: a month-by-month chart, a table of spending, Saveback, rate and what was possible, then the shares bought with your Saveback.
Where your card money goes: see Spending by category. How the shares you bought are doing: see Portfolio performance.
Limits
- The estimate for unpaid months assumes 1% and €15. NokxiStats does not yet tell crypto payments (2%) apart.
- The export does not say which payments are eligible: NokxiStats counts every card payment except cash withdrawals. Top-ups such as PayPal can therefore lower the rate slightly.
- Saveback is an investment exposed to market prices, not a guaranteed amount: its value today can be lower than what was credited.
Frequently asked questions
Why did I get no Saveback one month?
Usually because the savings plan condition was not met: less than €50 in the calendar month, for example after pausing a plan, or only a quarterly plan. The Saveback then expires.
From what level of spending does Saveback stop increasing?
From €1,500 of card payments from your cash balance in a month, the €15 cap is reached: each extra euro earns no more Saveback.
Is Saveback taxed?
This page gives no tax advice. Refer to Trade Republic's documents and, if in doubt, to a tax adviser.
How do I activate Saveback?
According to the help centre: in the app, open the Card tab, Settings and Security, Benefits, then Saveback. You also need savings plans of at least €50 a month.
Do PayPal payments earn Saveback?
No. Trade Republic's list of exclusions names payments made via PayPal, along with transfers, top-ups, cash withdrawals and gambling. In NokxiStats these payments still count as card spending, so the effective rate shown can be slightly below 1%.
Is Saveback the same as cashback?
The principle is the same: 1% of your card payments comes back to you. The difference: Trade Republic does not pay the amount out, it invests it in your savings plan. In the app and in the export it is called Saveback.
Do you need my login details?
No. You download the export yourself, and the analysis runs in your browser, with no account.