How to Track Trade Republic Portfolio in Freenance 2026 — EU Multi-Broker Consolidation, Step by Step

Trade Republic crossed 8 million users in 2025 and is on track to become the largest retail neobroker in Europe by client count. Its appeal is simple: zero-commission savings plans from one euro, a polished mobile-first interface, and instant deposits via Apple Pay or SEPA Instant. But once your savings plan has been running for two or three years and you start to think seriously about your trajectory — your FIRE number, your tax liability, your dividend cash flow, your cross-asset allocation — the Trade Republic app reveals its limits. It was built to acquire and retain depositors, not to support portfolio analytics.

That gap is exactly what Freenance closes. This tutorial walks through the practical procedure for getting your Trade Republic positions into Freenance — CSV export today, manual ISIN entry as a fast path, and the planned API integration on the roadmap — so you can see the full picture across every broker, bank, and asset class you own.

TL;DR: Trade Republic offers no native CSV export of the full position book; you download monthly statements as PDF and extract transactions, or enter ISIN positions manually in Freenance. Both workflows take 10-15 minutes for a typical savings-plan portfolio of 3-6 ETFs. Once imported, Freenance becomes your consolidated tracker: net worth, FIRE runway, dividend forecast, cross-broker allocation, and Polish/EU tax preparation in one place. Sign up for Freenance and consolidate your portfolio.

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Why Trade Republic's Native App Is Not Enough

Trade Republic's product surface is intentionally narrow. The portfolio screen shows current value, day change, and a basic performance chart. The orders screen lists recent executions. The savings plan screen confirms next monthly buy. That is roughly the full feature set. For a depositor with a single ETF savings plan, this is sufficient. For an investor with goals more complex than "keep buying VWCE," it is not.

The specific gaps that matter:

• No FIRE planning. Trade Republic shows you a chart of past performance. It does not project forward. There is no "how many years until I hit my target" view, no withdrawal-rate simulation, no inflation-adjusted runway. If you are accumulating toward financial independence, the native app gives you no instruments to measure progress against the target.
• No tax reports for non-German tax residents. Trade Republic produces a Jahressteuerbescheinigung for German tax filing. If you are a Polish, Italian, French, or Dutch tax resident with a Trade Republic account, you receive a transaction summary but no jurisdiction-specific report. You must derive the figures for PIT-38, Modello Redditi PF, Formulaire 2074, or Box 3 yourself.
• No multi-broker view. If you also hold positions at DEGIRO, Interactive Brokers, XTB, or a Polish broker, Trade Republic by definition only shows the slice it custodies. Your real allocation is invisible.
• No cross-asset consolidation. Cash at Revolut, an emergency fund at ING, crypto on Binance, a flat in Wrocław, a private pension — none of this exists for Trade Republic. Your true net worth lives outside the app.
• Basic charts only. Performance is shown as raw account value, not time-weighted return. Money-weighted return is unavailable. Drawdown statistics, Sharpe ratio, contribution to return by position — all absent.

This is not criticism of Trade Republic as a broker. It is an honest description of where a brokerage app ends and where a portfolio tracker begins. Freenance is built for the second job.

What You Need Before You Start

Before importing Trade Republic positions into Freenance, gather:

1. A Trade Republic account with at least one closed month (so a Monatsbericht exists).
2. Access to your Trade Republic mobile app to download statements.
3. A Freenance account — free tier is sufficient to start. Sign up for Freenance and consolidate your portfolio.
4. Roughly 15 minutes for a typical savings-plan portfolio with three to six ISINs.

If you only opened Trade Republic recently and have only made a handful of buys, you can skip the CSV/PDF route entirely and use the manual ISIN entry path described in Step 2 below.

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Step 1: Export Your Trade Republic Transaction History

Trade Republic does not offer a true CSV export from the standard mobile app. You have two practical options.

Option A: Download the Monatsbericht PDFs

1. Open the Trade Republic app and tap your profile icon.
2. Tap Documents (German: Dokumente).
3. Select Account statements (Kontoauszüge) or Monthly reports (Monatsberichte).
4. Download every PDF from the period you want to import. For a two-year savings plan, that is 24 PDFs.
5. Each PDF contains a transaction table with date, ISIN, security name, quantity, price, and amount in EUR.

Option B: Email the JSON / Tax Report

For 2024 onwards, Trade Republic includes a Steuerbericht (tax report) and a JSON-formatted transaction archive on request via in-app support. Open chat support and request "Bitte schicken Sie mir meine Transaktionshistorie als JSON-Datei". Response time is typically two to three business days.

Option C: Use a Community Parser

Several open-source community tools exist (search GitHub for "pp-trade-republic-importer" or "trade-republic-export") that automate the PDF-to-CSV conversion. These are unofficial and may break with statement format changes. Use them at your own discretion.

For most retail savings-plan investors, the simplest route is to skip the export entirely and go straight to manual ISIN entry — Step 2 below — because a savings plan rarely contains more than two to four distinct ISINs.

Step 2: Add Your Trade Republic Account in Freenance

1. Log in to Freenance.
2. Navigate to Assets → Add brokerage account.
3. Choose Trade Republic from the broker list (or Other broker and tag it manually if you prefer).
4. Set base currency to EUR.
5. Set tax residency country for reporting purposes (this drives the tax report logic later).
6. Save the account.

You now have a Trade Republic container in Freenance into which positions will be added.

Step 3: Enter Your Positions

You have two routes here, depending on whether you want full historical lot tracking or just the current position book.

Route A: Manual ISIN Entry (Fast, 5 Minutes)

If you only want to see your current allocation and forward dividend/FIRE projection — not your historical IRR — this is the fastest path.

1. In Freenance, open your newly created Trade Republic account.
2. Click Add position.
3. Enter the ISIN — for example IE00BK5BQT80 for Vanguard FTSE All-World UCITS ETF (VWCE).
4. Enter current quantity (the cumulative number of shares your Trade Republic app shows).
5. Enter average buy price in EUR — Trade Republic shows this on the position detail screen.
6. Save.
7. Repeat for each ISIN in your savings plan.

Freenance pulls the live price, calculates current market value, computes unrealised P/L vs your average buy price, and from this moment forward your Trade Republic positions flow into your consolidated net worth, FIRE runway, and dividend projection.

Route B: Lot-by-Lot Transaction Import (Thorough, 15-30 Minutes)

If you want accurate time-weighted return, full transaction history, and lot-by-lot tax basis tracking, enter each savings-plan purchase individually:

1. Open the relevant Monatsbericht PDF from Step 1.
2. For each row, in Freenance click Add transaction on the position.
3. Enter date, type (Buy), quantity, price per share, total amount, and fees (typically zero for Trade Republic savings plans).
4. Save and move to next row.

A 24-month savings plan with one ETF means 24 transactions — roughly 15 minutes of typing. For three ETFs in parallel, expect 30-45 minutes. You only do this once.

Step 4: Verify and Reconcile

After import:

1. Open Freenance Dashboard.
2. Confirm total value of the Trade Republic account matches what the Trade Republic app shows for the same date.
3. If there is a small mismatch (typically under 1%), it is usually FX rounding on USD-listed shares or a stale price cached in Freenance — wait a few minutes and refresh.
4. If the mismatch is large, recheck quantities — a missing trailing zero on a fractional share is the most common cause.

Reconciliation against the broker's own number is the only way to be sure your tracker is honest.

Step 5: What You Get Once Trade Republic Is in Freenance

The moment your Trade Republic positions are in Freenance, the consolidated tracker comes alive:

• Net worth. Trade Republic value plus every other account, asset, and liability you have added.
• FIRE runway. Freenance projects your portfolio forward at a configurable real return rate and shows how many years until you hit your target.
• Dividend forecast. For distributing ETFs and dividend stocks, Freenance estimates next 12 months of dividend cash flow per position and in aggregate.
• Allocation. True asset-class, geography, and currency exposure across all your brokers — not just Trade Republic.
• Tax preparation. Realised gains, dividend income, and FX adjustments aggregated by tax year for your jurisdiction.
• Cross-broker view. Trade Republic positions sit next to DEGIRO, IBKR, Revolut, and Polish brokers in one ledger.

Result: in 15 minutes you have moved from a single-app view to a complete financial picture. Sign up for Freenance and consolidate your portfolio.

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A Realistic Time Audit: Where the 15 Minutes Actually Go

A frequent question from new Freenance users is "how long does this really take, end-to-end?". Here is a realistic time audit for the typical Trade Republic savings-plan investor with three ETF Sparpläne running for 24 months:

• Account creation in Freenance and configuring the Trade Republic container: 2 minutes.
• Logging into Trade Republic and confirming current quantities on the position screen: 2 minutes.
• Manual ISIN entry for three positions (Route A): 5 minutes.
• Reconciliation against the Trade Republic app on day one: 2 minutes.
• Adding tax-residency setting and Freistellungsauftrag (if German tax resident): 2 minutes.
• Verifying the FIRE projection and dividend forecast surfaces: 2 minutes.

Total: 15 minutes. For Route B (lot-by-lot transaction import) the same workflow expands to 45-60 minutes for 24 months of three savings plans (roughly 72 transactions to enter), but you only do that once. Subsequent monthly maintenance — adding the new buys after each execution — takes under five minutes.

The honest benchmark: if you spend 15 minutes per quarter maintaining your Freenance view, you are investing one hour per year to have a complete portfolio picture. The alternative is a perpetual fog of "I think I'm on track but I can't actually tell".

Beyond the Single Account: Why Consolidation Matters

For a single Trade Republic investor with one Sparplan, the case for a consolidated tracker may feel optional. The case strengthens dramatically once a second account enters the picture, and it becomes essential by the third. Consider:

• Emergency fund at a savings account (e.g. Trade Republic's 3.75% interest on uninvested EUR balance, or a separate Tagesgeldkonto at DKB or Comdirect): tracked as cash in Freenance with the interest accrual logic so your "true" emergency fund balance and forward yield are visible.
• A taxable brokerage elsewhere (e.g. DEGIRO for non-Sparplan trades, or IBKR for US options): the multi-broker consolidation prevents the "phantom diversification" problem where you think you are diversified but actually own the same MSCI World exposure in two places.
• A private pension (Rürup or betriebliche Altersvorsorge in Germany; IKE/IKZE in Poland; PEA in France): tracked as a separate tax-advantaged account so the contribution-limit and withdrawal-mechanics differ from regular brokerage.
• A crypto position (Binance, Bitpanda, Coinbase): separated for tax-treatment reasons (Germany's Privatveräußerungsgeschäft rules differ from equity Abgeltungsteuer; Polish PIT-38 segregates crypto).
• Real estate (a flat being rented out, or a primary residence with a mortgage): tracked as an asset with a separate liability (mortgage) so the net real-estate equity flows into total net worth correctly.

The Trade Republic Sparplan is the cleanest input. Once added, you build the rest of the picture around it.

The Planned Trade Republic API Integration

Trade Republic has historically been API-shy. As of 2025-2026, no official public API exists for retail clients. We are tracking the regulatory environment around PSD3 / FIDA (Financial Data Access) which, once finalised, will require licensed financial service providers including brokers to expose standardised read APIs. Once Trade Republic exposes that interface, Freenance will add direct sync — your positions will refresh automatically without a manual import cycle.

In the meantime, the CSV/manual workflow above is the practical state of the art for tracking Trade Republic alongside other brokers.

Common Pitfalls and How to Avoid Them

Frequently Asked Questions

Does Freenance auto-import Trade Republic transactions?

Not yet, because Trade Republic does not expose a public retail API as of 2026. The current workflow is CSV/PDF import or manual ISIN entry, both described above. Auto-sync is on the Freenance roadmap and will activate as soon as PSD3/FIDA-driven data access becomes available.

Will my Trade Republic savings plan continue if I track it in Freenance?

Yes — Freenance is read-only. It does not interact with Trade Republic's order book. Your savings plan keeps running exactly as configured. You simply add the new monthly purchase to Freenance after the buy executes, or rerun the import once per month.

Does Freenance produce a German tax report?

Freenance generates a transaction-level export with realised gains, dividends, and FX adjustments that you (or your tax advisor) use to complete the Anlage KAP of the German tax return. It does not replace the official Trade Republic Jahressteuerbescheinigung for German tax residents, but it is essential for non-German EU residents whom Trade Republic does not serve with a jurisdiction-specific report.

Can I track Trade Republic crypto and bonds in Freenance too?

Yes. Trade Republic now offers crypto and Anleihen (bonds) alongside equities and ETFs. All of them are entered the same way — by ISIN or by ticker for crypto — into the same Trade Republic account container in Freenance.

What does Freenance cost?

Freenance has a free tier that covers a single broker and basic tracking, and paid tiers that unlock multi-broker, multi-currency, advanced reports, and FIRE planning. Pricing is on the Freenance pricing page. Sign up for Freenance and consolidate your portfolio.

Further Reading

• How to monitor your investment portfolio — the broader portfolio-monitoring framework Freenance is built around.
• Track all investments in one place — the full cross-broker, cross-asset rationale.
• Investing in Germany 2026 — the tax context (Abgeltungsteuer, Freistellungsauftrag, Vorabpauschale) you need if you are German-tax-resident with a Trade Republic account.

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This guide is for general information only and is not investment, tax, or legal advice. Specific decisions about your portfolio, savings plan, or tax treatment depend on personal circumstances and applicable law in your jurisdiction. Consult a licensed advisor for your situation.