Trading 212 Review 2024: Fees, Platforms, Apps, Safety, Pros & Cons

Trading 212 is a registered financial services company established in 2004 that enables individuals to trade various asset classes via its multiple platforms. This Trading 212 review provides you with insight into the broker’s fees & commissions and spreads. It also dives into their various account types and fund safety protocols.

Regulated By


Used By

1,500,000 Clients

Established in


Visit Broker

74% of retail investors' accounts lose money.

Spreads From

EURUSD 1.5 pips

What Can You Trade on Trading 212?

  • Stocks
  • ETFs
  • Forex
  • Commodities
  • Indices
  • Crypto

Trading 212 Platforms


Trading 212 Funding Methods

Apple PayGoogle PaySkrillVisaWire TransferMaster CardPaypal

Trading 212 Review 2024: Fees, Platforms, Apps, Safety, Pros & Cons

Trading 212 is a registered financial services company established in 2004 that enables individuals to trade various asset classes via its multiple platforms. This Trading 212 review provides you with insight into the broker’s fees & commissions and spreads. It also dives into their various account types and fund safety protocols.

  • author Adesuwa Ebuehi
  • Last updated 06/12/2023

74% of retail investors' accounts lose money.

Regulated By


Used By

1,500,000 Clients

Established in


Spreads From

EURUSD 89 Points



What Can You Trade?

  • Stocks
  • ETFs
  • Forex
  • Commodities
  • Indices
  • Crypto

Funding Methods

Apple PayGoogle PaySkrillVisaWire TransferMaster CardPaypal
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Assets: Stocks, Indices, Forex, Commodities, Cryptocurrencies & ETFs
Min Deposit: $10
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78% of retail investors' accounts lose money.


Trading 212 provides real stocks, ETFs, and CFD trading on a large number of financial assets. They are a commission-free broker, and they earn primarily from the spreads on their listed instruments.

Trading 212 Main Features

Minimum Deposit1 €
RegulationFCA, FSC & CySEC
Commission0 €
Number of Markets11,530+
CFD TradingNo

Unfortunately, they do not offer Metatrader. However, they have a proprietary trading platform available as a web or mobile app. In this Trading 212 review, we discuss what all prospective users of this broker need to know, including fees, available assets, and educational materials. 


  • No Commissions on Real Stocks and ETF Trading
  • Intuitive web and Mobile Apps
  • Regulated by Multiple Regulatory Bodies
  • Simplified Account Opening Process
  • Offers Fractional Shares
  • Low Minimum Deposit
  • No Withdrawal Fees


  • Does not offer Cryptocurrencies
  • Limited Educational Materials
  • Doesn’t Support MetaTrader
  • USD not Allowed as Account Base Currency

Available Assets at Trading 212

Trading 212 offers both investment and CFD trading opportunities to its clients. Traders who open an investment account will have access to 10,000+ global stocks and ETFs, including fractional shares. For users interested in CFD trading, however, this broker provides 36+ indices, 190+ forex pairs, 25+ commodities, 25+ ETFs, and 1530+ shares. They do not provide cryptocurrencies and futures. Next, in this Trading 212 review, we look at each of these assets in detail.  


Depending on the specific account type, traders on Trading 212 will have access to either real stocks or stock CFDs. Stock CFDs enable users of this broker to make a profit or loss from speculating on the price of shares of leading companies without becoming actual shareholders. There are 1,530+ Trading 212 stock CFDs. 

On the other hand, real stocks, which are provided to owners of Trading 212’s investment account, allow users of this broker to purchase and sell off genuine shares in leading global companies. There are 10,000+ real stocks such as Amazon, Tesla, and Apple, available for investing via any of the broker’s platforms.


Trading 212 users who prefer to monitor the outlook of a group of shares can perform indices trading via its desktop and mobile platforms. This broker offers 36+ indices for CFD trading, including US500, US 30, Germany 40, and Hong Kong 50. 


Trading 212 has a very large forex offering consisting of 190+ forex pairs. This broker’s wide range of forex pairs includes major and minor as well as exotic pairs such as SEK/JPY and SGD/MXN. Via Trading 212’s platforms, registered users can monitor the price action on any of these assets and place their trades.


This broker’s wide range of financial assets also include commodities. Trading 212 offers 25+ commodities for trading. Individuals with a live account can trade financial instruments such as Silver, Gold, Oil Brent, and Copper.


With ETF trading on Trading 212, users can monitor specific sectors, indices, stocks, commodities, or currencies. They provide 25+ ETFs, including RUS, VOO, SQQQ, and 36BZ. 

Stocks Trading at Trading 212

Depending on the type of account you open with this broker, you will have access to either real stocks or CFDs. Traders who open a Trading 212 Invest account will have access to 10,000+ real stocks. On the other hand, those with a CFD account are provided with 1,530+ stock CFDs. 

In this section of the Trading 212 review, we cover all you need to know about stock trading with this broker. We provide detailed information about its stock trading fees and commissions, exchanges, and leverage. 

Available Stock Exchanges at Trading 212

Via Trading 212 Invest and Trading 212 CFD, this broker provides different real and CFD stock offerings. Stock CFDs enable traders to buy and sell the price action of a company’s shares without actually owning a stake in the organization. However, with real stocks, traders can gain percentage ownership in specific companies.

Trading 212 lets its users participate in both markets. In addition, they also provide their users with access to a large list of exchanges where they can trade several securities. The available stock exchanges on this broker are outlined in the table below:


ExchangeFinancial Instrument Offered
Six SwissStocks, ETFs
US NON-ISA OTC MarketsStocks
OTC MarketsStocks
London Stock ExchangeStocks
Deutsche Borse XetraStocks, ETFs
Euronext NetherlandsStocks, ETFs
Bolsa de MadridStocks
Euronext ParisStocks, ETFs
Euronext BrusselsStocks
Wiener BorseStocks
Euronext LisbonStocks
US StocksCFD Stocks, ETFs
UK StocksCFD Stocks
Deutsche Borse Xetra CFDCFD Stocks
Switzerland StocksCFD Stocks
Hong Kong StocksCFD Stocks
Canada StocksCFD Stocks
Netherland StocksCFD Stocks
Italy StocksCFD Stocks
OTC MarketsCFD Stocks
French StocksCFD Stocks
Spain StocksCFD Stocks
Japan StocksCFD Stocks
Belgium StocksCFD Stocks
Poland StocksCFD Stocks
Sweden StocksCFD Stocks
Russian StocksCFD Stocks
Portugal StocksCFD Stocks
Austria StocksCFD Stocks
Ireland StocksCFD Stocks
Denmark StocksCFD Stocks
Finland StocksCFD Stocks
Norway StocksCFD Stocks

Stock Trading Fees & Commission at Trading 212

Trading 212 charges specific fees to traders who wish to buy or sell stocks. However, these fees depend largely on the exchange. For users who trade on the London Stock Exchange (LSE), the broker charges a Stamp Duty Reserve Tax which is calculated at 0.5% on all shares purchased on the LSE. In addition, there is also a PTM Levy charge on both purchases and sales. This fee is set at £1 per trade for any orders above  £10,000.

For trades on the New York Stock Exchange (NYSE), Trading 212 charges a transaction commission. The exact amount can be determined by multiplying the value of the sell order by $0.0000207. Furthermore, traders who sell covered stocks or ETFs will be charged a FINRA fee, which is $0.000119 of the quantity sold. The minimum charge for the FINRA fee is $0.01.

Trading 212 users participating in the French Stock Market will have to pay 0.3% on any shares from French companies that have a market cap exceeding $1 billion as a French Financial Transaction (FFT) tax.

Stock Trading Leverage at Trading 212

On Trading 212, leverage is only available on stock CFDs. Individuals who wish to open an Invest account and trade real stocks do not have access to leverage trading with this broker. Furthermore, the broker offers a leverage up to 1:5 for most stock CFDs on its platform.

Trading 212 Regulations

Trading 212 is authorized and regulated by several financial investment regulatory organizations such as the UK Financial Conduct Authority (FCA), the Bulgaria Financial Supervision Commission (FSC), and the Cyprus Security Exchange Commission (CySEC). Here in our broker review, we provide information on all Trading 212’s entities and their addresses. 

Trading 212 UK Ltd: This entity is located at 107 Cheapside, London EC2V6DN. It is authorized and regulated by the FCA.

  • Company number: 8590005
  • Firm Reference Number: 609146

Trading 212 Ltd: Located at 3 Lachezar Stanchev Str. Litex Tower, Floor 10, Sofia 1797, Bulgaria. It is registered in Bulgaria and authorized and regulated by the FSC.

  • Company number: 2016595000
  • License number: RG-03-0237

Trading 212 Markets Ltd: It is located at Αμαθούντος, 5, PIRILIDES BUILDING, Floor 4, 3105, Λεμεσός, Κύπρος, and regulated by CySEC. ‘

  • Company number: HE 409763
  • License number: 398/21

Trading 212 Fees and Commissions

As part of our broker review, we cover Trading 212 fees, including its trading and non-trading costs. 

Trading Fees

Trading 212 is a commission-free broker. This means that they do not charge any fees for trades taken via their platform. 


Spreads provided by this broker are relatively low compared to several of its competitors. However, Trading 212’s spreads are determined by the specific financial asset and the present market conditions. For major forex pairs like EUR/USD, users can get spreads as low as 1.5 pips. On the other hand, commodities such as Gold may have an average spread of up to 16.6 pips. 

Non-Trading Fees

Traders who use this broker will also incur non-trading charges. Below we list some of these fees.

Deposit Fee

Trading 212 doesn’t charge a deposit fee to traders who fund their accounts via direct bank transfer. However, for payments made with credit/debit cards, Google Pay, or Apple Pay, the broker will begin to charge a fee of 0.7% once the total deposit exceeds $2,000.

Currency Conversion Charge

Apart from a deposit fee, the currency conversion charge is one of the few deductions that traders using this platform will experience. This broker charges a fee of 0.15% for the conversion of funds from one currency to another. 

Account Types at Trading 212

This broker provides two main trading accounts: Trading 212 CFD and Trading 212 Invest. In this part of the review, we will provide an in-depth look into each of these account types and their peculiar features. Both accounts are well explained below:

CFD Account

Owners of a CFD account on Trading 212 will be able to buy and sell forex, indices, commodities, ETFs, and CFD stocks on its mobile or desktop trading platforms. This account type also provides the opportunity for margin trading by offering leverage up to 1:30. As a result of this, traders with this account type who choose to participate in CFD stock trading have the option of going long or short on a trade. 

Pro Account

Regular CFD account holders can upgrade to a Pro account for free provided they meet the broker’s specific criteria. Pro account owners have access to much higher leverage up to 1:500. To have access to the benefits of a Pro account on Trading 212, the trader must meet two out of three requirements which are: 

  • They must have traded about 10 times for the past four quarters
  • They must own an investment portfolio in excess of 500,000 €
  • They must have experience of over a year in the financial sector with domain knowledge of CFD trading

Invest Account

An invest account with Trading 212 provides traders with access to more than 10,000 real stocks and ETFs. It also enables users to invest in fractional shares with as little as £1. However, unlike with a CFD account, there is no margin trading with real stocks and traders cannot enter short positions. 

ISA Account

ISA accounts enable Trading 212 users resident in the UK to invest in shares and ETFs without paying any tax on income or capital gains. Traders can maximize their funds by saving money in several ISAs. However, this amount cannot be more than £20,000.

Trading 212 Trading Platforms

Trading 212 does not offer the popular MetaTrader platform. Instead, it provides a proprietary mobile and desktop application where traders can buy and sell financial assets. Below, we offer an in-depth review of both platforms, their features, and account opening processes.

Trading 212 Desktop Trading Platforms

Trading 212 offers an easy-to-understand desktop trading platform. Opening an account via this broker’s web application is an easy and straightforward process. Some of the features of the broker’s trading platform are outlined below:

Two-factor Authentication

To ensure the safety of their client’s information and funds, the trading 212 desktop platform provides two-factor authentication. To enable this feature, traders can select the settings icon on their account where they will find the account security option. Under account security, users of Trading 212 can proceed to activate or deactivate the 2FA feature. 

Notification and Alarms

On the left side of the desktop trading platform, there is a notification feature signified by a bell icon. Within the notifications tab, users can receive alerts on any essential information they need to know about their trades or any updates to the Trading 212 platform. 

Trading Tools and Indicators

The web application also has a wide range of trading tools and indicators like pivot points, Bollinger bands, and oscillators.


With the search function, users can find any financial instrument available on Trading 212 with ease. This makes the process of placing orders more simplified. 


It also has a Calendar feature that outlines several economic events that could have a potential impact on market trends.

Order Types

The desktop platform also provides Market Orders, Limit Orders, Stop Orders, and Stop Limit Orders. 

How to Open an Account and Trade with Trading 212’s Desktop Trading Platform

The steps to open an account and start trading with this broker are outlined below:

  1. Click on “Open Account” at the top right corner of the Trading 212 website
  2. Select your country of residence
  3. Select your account type
  4. Enter your email and password
  5. Once your demo account is open, proceed to enter your personal details, verify your ID, and fund your account

Trading 212 Mobile Apps

Trading 212 also provides a mobile application that is available on the Google Play Store and Apple store. This app is very similar to the desktop platform with the only difference being the smaller resolution and ease of access. Some of the features of the Trading 212 mobile app are listed below:

Two-factor Authentication

The Trading 212 mobile application provides two-factor authentication (2FA) to add an extra layer of security for its users’ funds. To access this feature on mobile, you can select Settings in the drop-down menu and click on account security. 

Notifications and Alarms

The notification feature enables users of this broker’s mobile app to receive alerts on trades and any other essential information. 

Trading Tools and Indicators

Similar to the desktop platform, the Trading 212 mobile application also offers a wide range of tools and indicators such as Awesome Oscillator, Aroon, and Average True Range.


The search function enables traders to easily find financial instruments. This function organizes all of Trading 212’s financial assets in a manner that makes it easy for traders to identify them and begin trading.


The economic calendar feature is available in the drop-down menu on the mobile app. It lets trading 212 users stay in touch with the latest happenings that could affect the price of various financial assets.

How to Open an Account on the Trading 212 Mobile Application

  1. Visit the Google Play Store or Apple Store, search for Trading 212 and download the app
  2. Click on open account
  3. Find and select your country of residence from the options provided
  4. Choose between an Invest, CFD, or ISA account
  5. Type in your login details
  6. Once your demo account is open, all you need to do is enter your personal details, verify your identity, and fund your account

Trading 212 Payment Methods

Trading 212 offers more than 10 payment methods to its users. However, the specific option available to traders depends on their country of residence. In this section of our review, we will explore the payment process for this broker. We will provide information on deposit and withdrawals at Trading 212, including its fees, minimum amounts, and the processing time for each of these methods.


There are a vast number of deposit options on Trading 212, including bank transfers, credit cards, debit cards, Apple Pay, Google Pay, Skrill, GiroPay, DotPay, Blik, and PayPal. The minimum deposit amount with this broker depends on the account type. For CFD accounts, traders are allowed a minimum deposit of £10 or 10 €. With invest and ISA accounts, this figure depends on the payment method used. For methods other than wire transfers, invest accounts have their minimum deposits set at £1 or 1€, while ISA accounts are fixed at £1. However, Trading 212 users who fund their accounts via wire transfer are only allowed a minimum deposit of 10 £ or 10 €. 

This broker typically does not charge any fee for deposits. But, credit/debit cards, Google Pay, and Apple Pay will attract a 0.7% fee once a user’s total deposits exceed £2000. For bank transfers, it usually takes between 2 – 3 business days for funds to be available. However, credit/debit cards are much  faster and usually reflect in a trader’s account in less than 15 minutes. 


Trading 212 only allows its users to withdraw via the same method they used for deposits. They offer similar deposit and withdrawal methods which include bank transfers, credit cards, debit cards, Google Pay, Apple Pay, GiroPay, and Skrill. Minimum withdrawal amounts on this broker differ depending on the account type. For invest accounts, this figure is set at £1 or 1 €. ISA accounts are pegged at £1, and CFD accounts have a minimum withdrawal amount of £10 or 10 €. There are no withdrawal fees. Trading 212 usually takes about 3 business days to review withdrawal requests. Once a withdrawal has been approved, the length of time for it to reach their clients depends on the payment method used. The available payment methods and their average withdrawal times are listed in the table below:

Withdrawal Method

Transaction Time

Minimum Deposit

Bank Wire Transfer3 business days£10 or 10 € (CFD)

£1 or 1 €  (Invest)

£1 (ISA)

Credit Card and Debit Card3 business days£10 or 10 € (CFD)

£1 or 1 €  (Invest)

£1 (ISA)

Apple Pay and Google Pay3 business days£10 or 10 € (CFD)

£1 or 1 €  (Invest)

£1 (ISA)

Skrill and PayPal10 – 15 minutes£10 or 10 € (CFD)

£1 or 1 €  (Invest)

£1 (ISA)

Account Base Currency

Trading 212 allows you to fund your account in EUR or GBP. However, this broker does not allow traders to change their account base currency once it has been set. To change their account base currency, users will need to close their accounts and open new ones. 

Trading 212 Research and Education

Trading 212 provides a limited number of educational materials relative to other brokers. Beginners who wish to improve their trading will only have access to a demo account and instructional videos on topics such as Technical Analysis and Forex Trading for Beginners. These videos are accessible on the broker’s mobile and desktop trading platforms.

Trading 212 Customer Services

As part of our review, we also examined Trading 212’s procedure for dealing with customer complaints. The broker prefers to receive any complaints in writing. Therefore it currently does not have a contact phone number for its clients to call when they encounter problems or a live chat option. 

Users of this broker can only address their challenges by reaching out to the company’s staff by sending a mail to Once your email is received, you should expect a resolution within a maximum of eight weeks. In addition to this, Trading 212 has a robust FAQ section where traders can find solutions to common problems that they may be experiencing.  Finally, Trading 212 can be reached through its social media platforms, including Facebook, Twitter, and LinkedIn.  

Trading 212 Online Reviews

Here, we review the performance of Trading 212 by examining the comments about this broker on popular social media platforms such as Reddit, Quora, TrustPilot, and ForexPeaceArmy.

What Do Reddit Users Say About Trading 212

Reviews of Trading 212 on Reddit are mostly positive. However, a common worry for most people is the inability to transfer stocks from their Trading 212 account to other platforms. Many Reddit users expressed concern about the safety of their financial instruments should something happen to the broker. 

What Do Quora Users Say About Trading 212

Most Quora users are highly satisfied with the performance of this broker. The vast majority of comments point to Trading 212’s FCA regulation as an indicator of security and protection from harmful broker practices. They also claim that there are no issues with making deposits or withdrawals via this broker. 

TrustPilot Users’ Review About Trading 212

Trading 212 has a rating of 4.6 on TrustPilot. Overall, users of TrustPilot have positive opinions of this broker, particularly its wide array of financial instruments, and absence of commission fees. However, there are a few complaints regarding its user interface. Also, some users observed a fluctuation in the spreads they offer on their stocks. 

ForexPeaceArmy Users’ Review About Trading 212

Trading 212 has a rating of 2.6/5 on ForexPeaceArmy. Many people on this platform consider the broker to be very beginner friendly and reliable. Also, there are several comments about the ease with which users can open an account with Trading 212. However, there were a few complaints about financial assets being suspended when traders wished to make a purchase. 

Other Products and Services

Trading 212 offers an affiliate program and a careers section. Here, we explore these services in detail.

Trading 212 Affiliates

Trading 212 Affiliates allows individuals to receive up to $1,000 for each successful referral to the broker’s trading platforms. It offers its own affiliate tracking system to provide easy monitoring of referrals and a personal affiliate manager. This program runs a flexible reward structure with custom CPA plans. This means that affiliates are paid based on the size of the initial deposits of each successful referral. Trading 212 also delivers large bonuses to qualified candidates. 

Trading 212 Careers

The Trading 212 careers section enables individuals to access job opportunities to work with this broker. Trading 212 has a highly skilled team of professionals from several countries and anyone can view their available job listings in the Trading 212 careers section. They offer onsite, hybrid, and fully remote roles. They also have a wide range of job descriptions from tech to customer relations, project management, and legal services. 

Is Trading 212 Safe?

This review explores the several Trading 212 safety procedures to guarantee the security of client funds. The broker keeps its client’s monies in a separate bank account. In addition, Trading 212 UK Ltd has its assets guaranteed by the Financial Services Compensation Scheme (FSCS). The impact of this is that, should any unforeseen circumstance lead to the closure of Trading 212, you can be sure of the safety of your funds up to a maximum of £85,000. Similarly, Trading 212 Markets Ltd is guaranteed by the Investors Compensation Fund, Cyprus with a maximum compensation of €20,000.

They are also heavily regulated by several highly reputable bodies such as the FCA in the UK, the FSC in Bulgaria, and CySEC in Cyprus. 

Bottom Line

Our Trading 212 review shows the broker to be safe, as it is regulated by the FCA, FSC, and CySEC. There are several positives to using this broker including the absence of commissions, its straightforward account opening process, the availability of fractional shares, and its low minimum deposit amount. However, there are also a few downsides to using Trading 212. One of the challenges with this platform is that it does not offer cryptocurrencies. Traders looking to engage in crypto trading will not be able to do so using this broker. Also, compared to several other financial investment providers, they have a limited amount of educational materials. Beginners who use this broker may have to use external resources to develop their skills and improve. Also, Trading 212 is not available in the United States and does not support USD as an account base currency. 

Trading 212’s spreads are relatively low and can be as small as 1.5 pips on major forex pairs such as EUR/USD and 16.6 pips for commodities like Gold. Deposits and Withdrawals are very straightforward with this broker. They offer several payment methods like bank transfers, credit cards, debit cards, Google Pay and Apple Pay, Skrill, and much more. For all deposits and withdrawals at Trading 212, there are no fees. However, for traders who make use of credit card, debit card, Google Pay, and Apple Pay, there is a 0.7% deduction on subsequent payments once their total deposit amount is more than 2,000 €. 

Trading 212 has a rating of 4.6 and 2.65 on TrustPilot and ForexPeaceArmy respectively. It also offers three different account types, each with its own unique features and diverse financial instruments. The stock exchange fees with this broker vary depending on the particular exchange used by the trader. Trading 212 works with several exchanges including the LSE, NYSE, and the French Stock Market. They typically offer leverage of up to 1:5 on their stock CFDs. However, there is no leverage available to owners of a Trading 212 Invest or ISA account. Finally, Traders who have complaints while using any of this broker’s services can contact them via  or reach out on any of their social media platforms. 

Q & A

Trading 212 is a legit broker. It is licensed by the FCA (UK), FSC (Bulgaria), and CySEC (Cyprus). In addition, it also guarantees their assets through the Financial Services Compensation Scheme. 

The Trading 212 login process is extremely straightforward. The only information required is your username and password.

Due to the massive influx of customers, Trading 212 created a waiting list to enable them to provide a seamless onboarding process for new customers. Currently, EU and UK clients can create accounts. However, traders in other regions may be placed on a waitlist.

Trading 212’s assets are secured by the FSCS. This means that, should Trading 212 go bust, users are eligible for compensation up to a maximum amount of £85,000.

Typically, verifying an ID on Trading 212 takes 48 – 72 hours.

You can withdraw your funds by selecting the Manage Funds option from the dropdown menu of the Trading 212 desktop or mobile platform. After this, click on Withdraw Funds, enter your password, and choose your preferred withdrawal method.

No, Trading 212 does not offer Spread Betting.

The Trading 212 ISA account is only available to users of this broker who are resident in the UK and older than 18 years.

Trading 212’s fees are relatively low compared to many of its competitors. In addition, they do not charge commissions on Forex, Commodities, and Indices.

No,  you can’t. Trading 212 does not offer cryptocurrencies as part of its financial assets.

Trading 212 offers both CFD and real stocks. Traders can access these stocks by opening a CFD or Invest account with this broker.

Traders who open a demo account with Trading 212 will have a minimum virtual balance of $50,000.

Trading 212 users can have access to leverage from 1:500 by opening a professional account. UK users, however, can only use a maximum leverage of 1:30.

Trading 212 offers three other trading instruments aside from stocks and ETFs. They are: Forex, Indices, and Commodities.

Spreads on Trading 212 can be as low as 1.5 pips for currency pairs such as EUR/USD.

Trading 212 has a mobile trading app. You can download it on iOS or Android by visiting your app store or play store.

Yes, you can. Trading 212 allows you to buy and sell 1,530+ stock CFDs on its platform.

You can trade CFDs with a Trading 212 CFD account.

You can invest in over 10,000 real shares on Trading 212. All you need to do is open a live Invest account and get started.

The sign up process on Trading 212 can be delayed because of the time required to verify a client’s identification documents.

Users of Trading 212’s services have access to several payment methods such as Bank Wire Transfers, Apple Pay, Google Pay, Credit/Debit Cards, Skrill, and PayPal.