An independent look at Trading 212's fees, features, and who it tends to suit - not a recommendation.
Trading 212 is a commission-free investing app offering stocks, ETFs, and CFDs, operating across the UK and EU through several regulated entities. It's one of the most widely used apps among European beginner investors, largely due to its zero-commission structure on real stocks and ETFs.
| Stock commission | €0 |
|---|---|
| ETF commission | €0 |
| FX fee | 0.15% |
| Custody fee | €0 |
| Account fee | €0 |
| Deposit fee | €0 (bank transfer) |
Trading 212's Invest and ISA accounts offer commission-free access to a broad range of real stocks and ETFs. There's no minimum published account balance, and the only recurring cost for most long-term investors is the 0.15% FX fee applied when trading in a currency different from your account's base currency.
Trading 212 supports fractional share purchases, meaning you can invest a fixed euro amount into a stock or ETF rather than needing to afford a whole share.
Trading 212 offers "Pies" and "AutoInvest" - a way to build a custom basket of stocks/ETFs and invest into it automatically on a set schedule, without manual intervention each time.
Trading 212 operates through multiple regulated entities depending on client location: Trading 212 UK Ltd (FCA, UK), Trading 212 Ltd (FSC, Bulgaria), Trading 212 EU GmbH (BaFin, Germany), and Trading 212 Markets Ltd (CySEC, Cyprus).
Trading 212 tends to appeal to beginner and intermediate investors focused on low-cost, buy-and-hold investing in stocks and ETFs, who value a simple, mobile-first app and automated investing tools over a large range of niche markets or advanced order types.
Does Trading 212 charge commission on stocks and ETFs?
No. The only standard fee is a 0.15% FX charge when trading in a currency different from your account currency.
Does Trading 212 offer fractional shares?
Yes, allowing you to invest a fixed amount rather than buying a whole share.
Is Trading 212 regulated?
Yes, through the FCA (UK), CySEC (Cyprus), BaFin (Germany), and the FSC (Bulgaria), depending on the client's entity.
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