https://www.trading212.com/

Trading 212

Name: Trading 212 broker review
Item: Trading 212
Rating: 82
Author: BrokerVS

Trading 212 is a UK/EU/Australia-regulated fintech broker offering commission-free stock and ETF investing, ISA/SIPP products in the UK where eligible, CFD trading, cash-interest features, and a region-dependent crypto account.

Stock BrokerEtf BrokerCFD BrokerCrypto BrokerStock CFDEtf CFDForexIndex CFDCommodity CFD

/100

Overall score

Overall score is usable, but check the supporting evidence and caveats.

Based on evidence24 sources

Trust

Cost

Withdrawal

Read first

Decision summary

/100

Overall

Overall is usable, but check the supporting evidence and caveats.

Headline score from research fields, regulation evidence, and scoring payload.

Best for

Beginner and intermediate stock/ETF investors · UK investors eligible for ISA/SIPP products · Mobile-first users seeking low headline commissions

Watch out

Entity, country restrictions, and high-risk fee fields should be checked carefully.

Trust signal

Trust looks strong, with high-confidence evidence. Still verify country/entity terms.

Withdrawal signal

Withdrawal is usable, but check the supporting evidence and caveats.

Deposit

Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Min…

Pricing

CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD i…

Withdrawal

Withdrawals may take up to three business days after execution; pending withdrawals awaiting settlement can take 1–2 business days before p…

Safety

Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances…

Availability

Countries and restrictions

Availability can vary by legal entity, account type, and local regulation. Treat this as a shortlist signal and verify details with the broker before opening an account.

Restricted Countries

Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation.

Source

Evidence

Source-backed details

Trust5 fields

Regulators

FCA; BaFin; CySEC; ASIC; Bulgaria Financial Supervision Commission

Source

License Numbers

FCA 609146; BaFin 10109603; CySEC 398/21; ASIC AFSL 541122; Bulgaria FSC RG-03-0237

Source

Regulated Entities

Trading 212 UK Ltd.; Trading 212 Markets Ltd.; Trading 212 EU GmbH; Trading 212 AU PTY LTD; Trading 212 Ltd.

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Negative Balance Protection

Retail CFD negative balance protection applies; Trading 212 says retail clients cannot lose more than funds deposited and negative balances are adjusted to zero. AU protection is explicitly per AU CFD account.

Source

Investor Compensation

Entity-dependent: UK investment protection FSCS up to GBP 85,000; UK partner-bank deposit protection up to GBP 120,000 per banking group; Cyprus/Bulgaria ICF and German EdW up to 90% limited to EUR 20,000; Germany bank deposit protection up to EUR 100,000 per person per partner bank.

Source

Cost7 fields

Minimum Deposit

Invest/ISA terms show £1 minimum deposit where available; CFD terms show £10/€10/$10; Crypto terms/help show €1/$1. Minimum depends on region and account type.

Source

Spread From

CFD spreads are dynamic and change depending on underlying market conditions; average spread is shown per instrument on Trading 212's CFD instruments page/app.

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Commission

Invest/ISA/SIPP trading commission is free; CFD trading commission is free; FX/spread/overnight and third-party costs may apply.

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Maximum Leverage

Retail CFD leverage/margin: major currency pairs 1:30; minor currency pairs/gold/major indices 1:20; other commodities/minor indices 1:10; stocks and ETFs 1:5; crypto-asset CFDs 1:2 for Australian retail clients. Professional-account terms may differ.

Source

Deposit Fee

Bank transfers and instant bank transfers remain free. Card, Google Pay, Apple Pay, OpenBankingPL or Klarna deposits to Invest/ISA are fee-free until cumulative GBP/EUR 2,000; after that 0.7%. CFD deposits remain fee-free.

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Withdrawal Fee

Trading 212 does not charge withdrawal fees; receiving banks/payment processors may charge their own fees outside Trading 212's control.

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Inactivity Fee

No inactivity fees associated with a Trading 212 account.

Source

Availability1 fields

Restricted Countries

Not directed at residents of the United States, Canada and Belgium; other jurisdictions may also be restricted where distribution/use would be contrary to local law or regulation.

Source

Product5 fields

Tradable Assets

Invest and Stocks ISA: ordinary shares, preferred shares, ETFs, ETPs, ETCs, REITs and investment trusts. CFD: forex, stocks, ETFs, index futures, commodity futures, forex futures, treasury futures and cryptocurrencies where available.

Source

Trading Platforms

Trading 212 proprietary web and mobile apps; official site prompts users to get the app and open/log in online; app store pages are linked via Trading 212 GetTheApp.

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Account Types

Invest, Stocks ISA, SIPP, CFD, Cash ISA, Crypto, and card-related services; availability depends on profile and jurisdiction.

Source

Deposit Methods

Bank transfers, instant bank transfers, card payments, OnlineBankingPL, Carte Bancaire, Blik, Direct eBanking, Apple/Google Pay and iDEAL; availability varies by region/account type.

Source

Withdrawal Methods

Withdrawals are made in-app by selecting an account, amount and payment method; exact methods depend on previously verified/available payment methods and region/account type.

Source

Trust

Regulatory badges

Guides explain the authorities mentioned in source evidence; they do not verify a broker’s license. Check the legal entity and current permissions in the official register.