Trade Republic Broker & Bank API Integration (OpenData / OpenFinance / OpenBanking)
PSD2-compliant protocol analysis and OpenBanking-style consent connectors for transactions, cash interest, Saveback card spend, and account documents.
Turn Trade Republic mobile-finance data into usable APIs for reporting, reconciliation, and compliance automation.
If your backend needs a standardized view of customer activity, Trade Republic’s app data becomes valuable input: transaction history, cash balance interest, card spending with Saveback, and investment documents. We help you integrate these data types through lawful consent flows and build code you can run.
Feature Module 1: Transaction History API
We map Trade Republic bookings into an OpenBanking-style transaction model: booking dates, amounts, currencies, counterparties/merchants, and categories when available. This enables “statement API integration” for finance teams and investor dashboards.
Your system can reconcile cash movements against ledger entries and detect anomalies (e.g., unusual merchant patterns, unexpected refunds, or duplicated reversals) by comparing normalized booking IDs.
Feature Module 2: Cash Balance & Interest Sync
Trade Republic offers cash interest on uninvested balances; interest is calculated daily and paid out monthly, with the rate linked to ECB deposit facility mechanics. We build “OpenFinance cash interest sync” so your backend can track interest accruals alongside transaction activity.
For reporting, we also normalize eligibility context (Trade Republic IBAN vs other jurisdictions) so downstream analytics don’t misinterpret interest caps or jurisdictional differences.
Feature Module 3: Saveback Card Spend Export
Saveback rewards eligible card payments by investing card-spend rewards into the user’s savings plan. We implement “Saveback card spend data” extraction so you can compute reward attribution, monthly caps, and round-up contributions without manual review.
The integration focuses on the exact flow that finance ops needs: identify qualifying bookings, link them to savings-plan investment actions, and produce reconciliation logs for each month’s eligibility period.
Feature Module 4: Investment Holdings & Portfolio Events
Beyond cash, the app supports savings plans and investment products (stocks/ETFs, plus newer wealth-management layers). We structure holdings snapshots and event timelines into “OpenData portfolio objects” for CRM, analytics, and investor statements.
This lets your system produce consistent “invest & rebalance history” across asset classes so customer-facing products can show progress, allocation changes, and performance periods.
Feature Module 5: Documents & Statements Ingestion
Trade Republic provides account statement PDFs and securities account statements, plus annual tax certificates through the app. We build a pipeline to collect these documents, classify by type and period, and store metadata for audit workflows.
When your compliance team asks “what exactly did the user see and when?”, we generate a traceable mapping between consent sessions, document downloads, and your stored copies.
Core Benefits for OpenFinance Teams
Integrating Trade Republic via protocol analysis is not only about “getting data.” It is about turning app-specific screens into stable objects with predictable semantics: account IDs, transaction references, document types, and lifecycle states.
Since Trade Republic’s account access is subject to PSD2 and explicit customer consent (often implemented via PSD2-compliant OpenBanking aggregators), your integration also needs a consent renewal model, SCA-aware states, and safe failure handling.
We deliver a practical result: runnable service code, integration documentation, and a mapping guide that connects each endpoint/output to a real screen/feature inside the app.
API Integration Instructions (What you receive)
- Data mapping: app screens → normalized OpenData/OpenFinance schemas
- Protocol analysis notes (auth, navigation flow, and consent lifecycle expectations)
- Executable integration code (language depends on your backend: Go/Node/Python)
- Test plan and fixtures for pagination, reversals, and document classification
- Compliance checklist: consent logs, GDPR minimization, retention strategy
Screenshots
A quick visual context for what users do inside the app: cash activity, portfolio pages, and document access. Click any thumbnail to open the larger image.
Data inventory (OpenData perspective)
The goal is to expose Trade Republic app data as integration-friendly objects that your own “OpenFinance” services can consume. Below is a practical inventory tying each data type to a typical screen/feature and a common downstream use.
| Data type | Source (screen/feature) | Granularity | Typical use |
|---|---|---|---|
| Cash transactions | Cash activity / account movement timeline | Booked rows + paging cursors | Reconciliation, ledger posting, anomaly detection for OpenBanking transaction export |
| Cash interest payments | Cash interest view and monthly payout records | Monthly interest events with rate context | OpenFinance “cash interest sync” and accrual reporting |
| Saveback card spend | Card spend history and reward/eligibility logic | Per booking + monthly eligibility window | Reward attribution, savings-plan statements, customer finance analytics |
| Holdings & investment events | Stocks/ETFs savings plans, portfolio pages | Snapshot + event timeline (buy/sell/transfer where available) | Portfolio management, investor reporting, allocation analytics |
| Fixed Income & bond products | Fixed income / bond ETFs area | Instrument metadata + quarterly interest distribution references | Compliance-friendly investment reporting and yield dashboards |
| Documents & statements | Documents (account statement), quarterly securities statements, annual tax certificate | PDF downloads + metadata indexing by period | Audit trails, document storage, customer self-serve exports |
Because Trade Republic data access relies on PSD2 consent, your integration should treat each dataset as scoped to a permission set (accounts, transactions, documents). That scoping prevents over-collection and makes GDPR-aligned retention easier to implement.
Typical integration scenarios
Below are end-to-end scenarios that show how “account statement API integration” and “OpenFinance cash interest sync” can be implemented in a real product. Each scenario includes business context, data/API involvement, and mapping logic.
1) Monthly reconciliation for investor dashboards
Context: a fintech dashboard must reconcile cash movements and interest with customer expectations. When a new month begins, the system pulls fresh data and produces a “what changed” summary.
Data involved: cash transactions + cash interest payments. Optional: documents metadata for audit verification.
OpenData/OpenFinance mapping: transaction rows → normalized booking objects; interest events → monthly accrual objects; outputs feed dashboards and CSV exports.
2) Saveback reward reporting for finance ops
Context: a partner service needs to explain how Saveback is earned, how round-ups are invested, and which merchant categories are eligible during each calendar month.
Data involved: Saveback card spend bookings and monthly eligibility window.
Mapping: card-spend bookings → reward-eligible payments; monthly cap rules → reward ledger; results are stored as an “OpenFinance reward journal.”
3) Statement API integration for compliance packs
Context: your compliance team must produce an evidence pack when users request proof of activity. The pack should include a stable reference to each statement period.
Data involved: account statement PDFs, quarterly securities account statements, and annual tax certificates.
Mapping: document downloads → document objects with period keys; storage paths → retention policy tags; your API returns pack manifests for downstream document signing.
4) Wealth-management enrichment using recent product launches
Context: partners want richer portfolio intelligence. Trade Republic has expanded wealth management by adding Private Markets (via Apollo and EQT) and later Fixed Income / bond ETFs with defined maturities.
Data involved: portfolio events and instrument metadata for Private Markets, plus fixed income instrument details and quarterly interest distribution references.
Mapping: instrument metadata → OpenData asset objects; investment events → timeline events; interest references → forecast inputs for investor analytics.
Technical implementation
Trade Republic does not present a simple public “direct developer API” in many cases. For production-grade results, teams usually implement PSD2-compliant access via OpenBanking aggregators (for example, Powens / Plaid / Tink / TrueLayer). The snippets below are pseudo-code that reflect the typical integration mechanics: consent creation, scoped data fetch, and resilient error handling.
Snippet A: Consent creation (scoped permissions)
This step is where GDPR minimization becomes practical: you request only the scopes your product needs, and each output type can be traced back to the consent permission set.
Snippet B: Fetch transactions with pagination
We normalize transaction references so your ledger can deduplicate bookings even when providers send “updated” messages or reversals after initial posting.
Snippet C: Webhook-driven updates
Webhook support is especially useful for card spend, interest payout days, and statement-ready document availability windows.
Compliance & privacy
Trade Republic is a regulated financial institution in Germany and operates as a bank that is supervised by regulators such as BaFin and the Bundesbank. For data access and OpenBanking-style integrations, PSD2 governs payment-account access and requires explicit consent.
For personal data, GDPR is the baseline: data minimization, purpose limitation, and transparent consent documentation. Our integration deliverables include a mapping that shows why each field is needed and how long it is stored.
When your product touches investment workflows, you should also consider suitability and record-keeping implications. In practice, our evidence pack approach links consent sessions, fetched datasets, and stored documents to support audit requests.
Regulation anchors (examples)
- PSD2 (European payment services access and consent requirements)
- GDPR (processing, retention, security controls)
- BaFin / Bundesbank supervision context for regulated banking operations
- Document retention discipline for quarterly statements and annual tax certificates
Data flow / architecture
Client app (mobile or partner dashboard) → Consent & Data Connector (OpenBanking aggregator with scoped permissions) → Normalization/Storage (OpenData/OpenFinance schemas, idempotent dedupe, period indexing) → Analytics & API outputs (reconciliation reports, statements manifests, and investor dashboards).
- Use short-lived tokens and rotate them on expiry to reduce blast radius
- Write to an append-only audit log for document downloads and consent changes
- Apply retention tags by dataset: transactions, interest, Saveback rewards, documents
Market positioning & user profile
Trade Republic is a mobile-first neobroker and banking platform based in Germany, available on Android and iOS, with presence across roughly 18 European markets. Search-derived metrics show millions of customers and large asset volumes, and the product targets retail investors who prefer simple investing, cash interest on uninvested balances, and app-led document access. In the last two years, the company’s shift toward “wealth management” is visible through launches like Private Markets (Apollo and EQT partnership) and Fixed Income / bond ETFs with defined maturities.
Deliverables & workflow
Our studio focuses on authorized OpenData/OpenFinance integration deliverables. Instead of only sharing analysis, we provide implementation sources, integration documentation, and a test plan tailored to your target integration scope (accounts, transactions, documents, and reward logic).
What you get
- API schema mapping guide (fields, meanings, and dataset scopes)
- Protocol analysis report (consent lifecycle, navigation flow expectations)
- Runnable integration source code (SDK-like service layer)
- Automated test plan (pagination, retries, reversal dedupe, document indexing)
- Compliance notes: consent logs, GDPR minimization, retention plan
Typical engagement workflow
- Requirement intake: app scope, dataset list, output formats (JSON/CSV/PDF manifests)
- Protocol analysis & integration design (2–5 working days depending on scope)
- Implementation + internal verification (3–8 working days)
- Delivery of docs, example requests, and tests (1–2 working days)
First usable delivery often lands within 5–15 working days. Complex consent state handling or document classification may extend the timeline.
Contact
Send us the target app name and your integration requirements (for example: “cash interest sync + statement export + Saveback reward ledger”). We can start with a deliverable-first approach: you see a working result before full payment.
Starting price is $300. For authorized integrations with well-defined scopes, we prioritize fast turnaround and clear evidence of what data is extracted and how it is normalized.
FAQ
Which Trade Republic datasets can be integrated?
In a typical OpenData/OpenFinance scope we cover cash transactions, cash interest payouts, card spend with Saveback eligibility context, and document metadata for statements and tax certificates.
Do you integrate via official APIs?
Where a direct public developer API is not available, we integrate through PSD2-compliant access patterns using authorized OpenBanking aggregators, and we focus on consent safety and traceability.
How do you ensure compliance and privacy?
We scope permissions, minimize stored fields, keep consent logs, and provide a retention strategy by dataset type. For regulated contexts, documentation includes evidence mapping to reduce audit effort.
About our studio
We are a technical service studio specializing in app interface integration and authorized API integration. Our team has hands-on fintech and mobile experience across protocol analysis, OpenData integration, and production-grade API delivery.
Deliverables are built for engineering teams that need stable mappings, repeatable ingestion, and audit-friendly outputs. The mission is compliance-first integration: your product receives usable code and documentation without ambiguity.
- Protocol analysis → interface refactoring → OpenData/OpenFinance integration
- Automated data scripting and delivery of interface documentation
- Test plans and examples aligned with real consent lifecycle constraints
Original App (collapsed by default): Trade Republic Broker & Bank — official product overview
The smartest way to invest, spend and bank. Trade Republic offers cash interest on unlimited cash balance, a free subscription-style debit card with Saveback, and simple investing starting from 1 euro.
Earn while you spend:
- Activate cash interest with your Trade Republic IBAN and earn money every month; withdraw anytime with full flexibility.
- No monthly subscription fee and unlimited free ATM withdrawals worldwide from 100 €.
- Saveback on eligible card spending into your savings plan: earn Saveback up to 1,500 € in monthly spending, with a minimum of 50 € monthly invested in savings plans.
- Round up card payments and invest spare change on the go.
Save now for later X:
- Invest with just 1 € in stocks or ETFs with simple pricing and no hidden fees.
- Savings Plans on ETFs or stocks to invest continuously for long-term wealth.
- Bonds to lock in high interest for years with regular payments; start with 1 € and sell anytime.
- Diversify with portfolios such as Private Markets and Fixed Income.
Trusted by millions:
- Over 10 million users and 150 billion € of assets across 18 European countries.
- German bank regulated by BaFin and supervised in the ecosystem; publicly regulated exchange with competitive spreads.
- Mobile-first experience on iOS and Android with app-led access to activity pages and downloadable documents.
Recent product expansion that matters for integration scope: Trade Republic launched Private Markets (from September 2025) via strategic partnerships with Apollo and EQT, and later expanded Fixed Income / bond ETFs with defined maturities (from October 2025). These updates create additional OpenData/OpenFinance objects beyond classic brokerage activity.