Verified: 19 March 2026 05:45 am CET
Industry: Digital Banking & Brokerage (Fintech)
Jurisdiction: Germany
Primary Regulator: BaFin & Deutsche Bundesbank
Important Safety Warning: Beware of fake customer service numbers on search engines. Only use official channels. Scammers frequently buy ads to promote fraudulent phone numbers. Trade Republic does not have a public inbound phone number. Trade Republic staff will never ask for your account password, App PIN, PUK, or ask you to initiate a “test withdrawal.”
Level 1: Customer Support (Kundenservice)
- How to complain: Submit your issue via the secure “Help” section inside the Trade Republic mobile app, use their official web contact form, or email their dedicated complaints desk directly at beschwerde@traderepublic.com.
- Source Verification: Impressum - Trade Republic
- Availability: In-app support and email channels are monitored during standard business hours, but wait times can fluctuate heavily depending on market volatility.
- Source Verification: Help Center - Trade Republic
- Timeline: Under European regulations (PSD2), Trade Republic must respond to payment-related complaints within 15 business days. For highly complex cases or general brokerage disputes, they typically aim to respond within a few business days, but legally have up to 35 days for payment issues.
Level 2: Formal Written Complaint & Mahnung
- Who to contact: Formally escalate your financial dispute (e.g., missing dividends, blocked accounts, or failed deposits) by sending a registered letter with return receipt (Einschreiben mit Rückschein) to their legal headquarters addressed to the Management Board, Trade Republic Bank GmbH, Brunnenstraße 19-21, 10119 Berlin, Germany. Clearly state your claim and set a legally binding 14-day deadline (Mahnung) for them to issue a refund or resolution.
- Source Verification: Impressum - Trade Republic
- Timeline: The legally binding deadline of 14 days (set via your Mahnung) provides the bank a strict timeframe to resolve the issue before they legally default (in Verzug geraten).
Level 3: Regulatory Authority / ADR
- Authority: Trade Republic does not participate in the voluntary Private Banks Ombudsman. Instead, they are legally obligated to participate in dispute resolution through statutory bodies. You can submit your case for free to the Schlichtungsstelle bei der Deutschen Bundesbank (for general distance-selling financial contracts) or the Schlichtungsstelle bei der BaFin (for other financial disputes).
- Source Verification: Impressum - Trade Republic (Extrajudicial resolution)
- Timeline: You can file a complaint with the Bundesbank or BaFin immediately after receiving a final rejection letter from Trade Republic, or if they fail to respond within the statutory 35-day limit.
Level 4: Legal Action
- Pre-Litigation: Before initiating formal court proceedings, you can seek case-specific legal assistance from your local Consumer Advice Centre (Verbraucherzentrale) or a financial lawyer to evaluate your claim.
- Source Verification: Verbraucherzentrale - Beschwerde
- Court/Arbitration: If the statutory arbitration boards cannot resolve the issue, you can initiate the judicial dunning process (gerichtliches Mahnverfahren) online to obtain an enforceable payment title against the bank, or file a civil lawsuit at your local district court (Amtsgericht).
- Source Verification: Gemeinsames Mahnportal der Länder
Community Action: Is Trade Republic still refusing to release funds from a locked account, or ignoring a complaint about a delayed stock transfer? Reply below (do not share your passwords, full account numbers, or PINs), and our community will point you to the right legal templates!