★ A CURATED DIRECTORY OF FINANCIAL TOOLS AND RESOURCES ★
VOL. XCIV, NO. 247
Trading 212 Review, Pricing, and Features
Trading 212
Trading 212 is an app-first multi-entity broker for direct stock and ETF investing, fractional orders, recurring Pies, and—in the UK—Stocks and Shares ISA and SIPP wrappers. It also offers a separate CFD product. Invest, ISA, and SIPP trades have zero Trading 212 commission and custody fees; FX, taxes, spreads, financing, and external market costs can still apply.
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Pricing
Key fees from the official fee schedule
Source-checked · Jul 17, 2026Invest, ISA and SIPP commissionUK Invest · Markets Invest · Australia Invest · Germany Invest
Invest, ISA and SIPP custodyUK Invest · Markets Invest · Australia Invest · Germany Invest
Invest currency conversionUK Invest · Markets Invest · Germany Invest
Australian Invest currency conversionAustralia Invest
CFD spread and overnight financingUK CFD · Markets CFD · Australia CFD · Germany CFD
CFD currency conversionUK CFD · Markets CFD · Australia CFD · Germany CFD
Invest and ISA positions represent beneficial ownership of supported securities. CFDs are leveraged derivatives and do not provide ownership of the underlying share. Interest on uninvested account cash is conditional and can use QMMFs. Cash ISA is a separate savings wrapper; QMMF units are investments, not bank deposits. See the Trading 212 Help Centre fee schedule for your country.
Key features
- Direct Invest accounts for supported stocks and ETFs, separate from leveraged CFD exposure.
- Trading 212 commission and custody fees of zero for Invest, ISA, and SIPP, with entity-specific FX fees when conversion is required.
- Multi-currency Invest balances across supported currencies, subject to entity and residence availability.
- Fractional market, limit, stop, and stop-limit orders for most supported Invest and ISA instruments.
- Fractional owners receive proportional dividends and voting support, but fractions cannot transfer to another broker.
- UK Stocks and Shares ISA and SIPP wrappers for qualifying residents; Cash ISA is a separate savings product.
- Interest on uninvested cash where enabled, with dynamic currency rates and possible bank or qualifying money-market-fund placement.
- Pies and recurring investment workflows for portfolio allocation and automation.
- PDF account, monthly, transaction, trade, holdings, and cost reports plus CSV exports for Invest activity.
- No business accounts; onboarding is limited to personal accounts in the official entity-by-country list.
Broker details
Account and availability
Available in 27 countriesUK Invest · UK CFD
Available in 16 countriesMarkets Invest · Markets CFD
Available in 1 countryAustralia Invest · Australia CFD
Available in 19 countriesGermany Invest · Germany CFD
AccountUK Invest
Individual Invest account, Stocks and Shares ISA for qualifying UK residents, SIPP for qualifying UK residents · GBP, USD, EUR, CHF, DKK, NOK, PLN, SEK, CZK, RON, HUF, CAD, AUD base currency · Product- and funding-method dependent
AccountUK CFD · Markets CFD · Australia CFD · Germany CFD
Individual retail CFD account · Not stated uniformly
AccountMarkets Invest · Australia Invest · Germany Invest
Individual Invest account · GBP, USD, EUR, CHF, DKK, NOK, PLN, SEK, CZK, RON, HUF, CAD, AUD base currency · Not stated uniformly
Cash and trading
Interest on uninvested cashUK Invest · UK CFD
Variable rate shown on Terms & Fees or in-app
No minimum or maximum balance
Interest on uninvested cashMarkets Invest · Markets CFD
Variable rate shown on Terms & Fees or in-app
No minimum or maximum balance
Interest on uninvested cashAustralia Invest · Australia CFD
Variable rate shown on Terms & Fees or in-app
No minimum or maximum balance
Interest on uninvested cashGermany Invest · Germany CFD
Variable rate shown on Terms & Fees or in-app
No minimum or maximum balance
Deposits
No Trading 212 fee stated
Bank transfer or supported open-banking payment · Varies by rail, currency and verification
DepositsUK Invest · Markets Invest · Australia Invest · Germany Invest
Free to €2,000 equivalent; then 0.7%
Card, Apple Pay, Google Pay or supported local method
DepositsUK CFD · Markets CFD · Australia CFD · Germany CFD
No Trading 212 deposit fee
Card or supported digital-wallet method
Withdrawals
No Trading 212 withdrawal fee
Bank transfer or supported card payout · Varies by settlement, route and verification
Fractional sharesUK Invest · Markets Invest · Australia Invest · Germany Invest
Limited availability
Most supported Invest and ISA shares and ETFs
Fractional sharesUK CFD · Markets CFD · Australia CFD · Germany CFD
Not available
Tax support · GermanyGermany Invest · Germany CFD
Country tax report provided
Tax support · 18 countriesGermany Invest · Germany CFD
Statements only
Austria, Denmark, Finland, France, French Guiana, Guadeloupe, Iceland, Ireland, Liechtenstein, Luxembourg, Martinique, Mayotte, Netherlands, Norway, Réunion, Spain, Sweden, Switzerland
Tax support · 16 countriesMarkets Invest · Markets CFD
Statements only
Bulgaria, Croatia, Cyprus, Czechia, Estonia, Greece, Hungary, Italy, Latvia, Lithuania, Malta, Poland, Portugal, Romania, Slovakia, Slovenia
Tax support · 27 countriesUK Invest · UK CFD
Statements only
Angola, Bahrain, Bolivia, Colombia, Ecuador, El Salvador, Ghana, Gibraltar, Guernsey, Honduras, Isle of Man, Jersey, Kuwait, Mexico, Moldova, North Macedonia, Oman, Peru, Philippines, Qatar, Serbia, Tanzania, Thailand, Uganda, United Arab Emirates, United Kingdom, Zambia
Tax support · AustraliaAustralia Invest · Australia CFD
Statements only
Regulation and protection
Trading 212 UK Ltd.
Financial Conduct Authority · FRN 609146; company 08590005
UK Invest · UK CFDTrading 212 Markets Ltd.
Cyprus Securities and Exchange Commission · Licence 398/21; company HE 409763
Markets Invest · Markets CFDTrading 212 AU PTY LTD
Australian Securities and Investments Commission · AFSL 541122; ABN 46 660 342 763
Australia Invest · Australia CFDTrading 212 EU GmbH
German Federal Financial Supervisory Authority (BaFin) · BaFin ID 10109603; company HRB 101710
Germany Invest · Germany CFDUK Financial Services Compensation Scheme · Up to £85,000 for eligible investment claims
Covers eligible missing cash and investments if Trading 212 fails; it does not cover market losses.
Trading 212 UK Ltd.UK FSCS deposit protection for bank-held cash · Up to £120,000 per person per banking group
Aggregates eligible direct and indirect deposits at the same banking group. QMMF units are investments, not deposits.
Trading 212 UK Ltd.Cyprus Investors Compensation Fund · Up to €20,000 for eligible claims
Applies if safeguarding fails and eligible assets cannot be returned; it does not cover market losses.
Trading 212 Markets Ltd.German Investor Compensation Scheme (EdW) · Up to €20,000 for eligible claims
Partner-bank cash can separately qualify for deposit protection up to €100,000 per person per bank. Neither protects market value.
Trading 212 EU GmbHASIC client-money and client-asset segregation
Client money is bank-held and assets are segregated under Australian rules. No public compensation limit was confirmed; segregation is not market-loss protection.
Trading 212 AU PTY LTDSource-checked · Reviewed Jul 17, 2026 · Official sources: Supported countries and serving entities, Invest, ISA and SIPP fees, CFD fees, Multi-currency Invest account, Business-account availability, How Trading 212 makes money, Funds and asset protection, Interest on cash, German non-EUR cash-interest restriction, Payment service providers and funding fees, Funding and withdrawal fees, Fractional shares, Statements and account documents, German automatic taxation
FAQ
Is Trading 212 free?
Trading 212 should not be treated as free software. Brokerage access may have no monthly charge, but transaction, FX, market-data, custody, transfer, product, or spread costs can apply depending on the offer and jurisdiction. Check the broker details and official fee schedule.
Who is Trading 212 best for?
It suits beginner, intermediate, and advanced users.
What platforms and connections does Trading 212 support?
You can use Trading 212 on Web and Mobile.
Which markets does Trading 212 cover?
Trading 212 covers Europe, APAC, LatAm, Middle East, and Africa. It tracks Stocks, ETFs, Currencies, Commodities, and Other. Identifiers include Ticker and ISIN.
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