Trading212 Review 2025: Your Guide to a Leading Commission-Free Trading Platform
Explore Trading212’s fees, platform features, and regulation to see if it’s the right choice for your investment needs.
Introduction
Trading212 is a UK-based trading platform that offers commission-free trading on a wide range of shares and Exchange Traded Funds (ETFs). Over the years, it has gained significant popularity, with more than three million accounts opened and £3.5 billion in client assets. As a result, it has become a top choice for cost-conscious investors looking for a low-cost way to trade.
In this review, we will take a closer look at Trading212’s key features, fee structure, and regulatory standing. Additionally, we will discuss its advantages and potential drawbacks to help you determine whether it is the right platform for your trading needs.
Key Features
- Minimum Deposit: $1 (Invest), $10 (CFD)
- Tradable Assets: Stocks, ETFs, Forex, Commodities, Indices, Cryptocurrencies
- Tier 1 Regulation: FCA, CySECA
- Trading Platforms: Trading212 Web Platform, Trading212 Mobile App
- Maximum Leverage: Up to 1:30 (Retail), Up to 1:500 (Professional)
- Main Features: Commission-free trading, fractional shares, user-friendly platform, demo accounts, educational resources
Pros and Cons of Trading212
- Commission-Free Trading: Trade a vast selection of shares and ETFs without paying commissions.
- User-Friendly Platform: Intuitive and well-designed mobile and web platforms suitable for traders of all levels.
- Fractional Shares: Invest in fractional shares, allowing for diversified portfolios with minimal capital.
- Educational Resources: Access to a range of educational materials to enhance trading knowledge.
- Limited Research Tools: Offers fewer in-depth research tools compared to some competitors.
- No SIPP Accounts: Does not currently offer Self-Invested Personal Pension (SIPP) accounts.
- No Telephone Support: Customer support is primarily online, with no telephone support available.
Trading212 Fees Overview
Trading212 is known for its transparent and competitive fee structure:
- Commission-Free Trading: No commissions on trades for shares and ETFs.
- Deposit and Withdrawal Fees: No fees for deposits or withdrawals; however, a 0.7% fee applies for Invest account deposits over €2,000 made via credit/debit cards or electronic wallets.
- Currency Conversion Fee: A currency conversion fee of up to 0.15% applies when trading assets denominated in a currency different from your account base currency.
- Inactivity Fee: No inactivity fees are charged.
Disclaimer: Fees are accurate as of January 2025 and are subject to change. Please visit Trading212’s official website for the latest updates.
A Closer Look at Trading212's Trading Platform
Trading212 is known for its transparent and competitive fee structure:
- Commission-Free Trading: No commissions on trades for shares and ETFs.
- Deposit and Withdrawal Fees: No fees for deposits or withdrawals; however, a 0.7% fee applies for Invest account deposits over €2,000 made via credit/debit cards or electronic wallets.
- Currency Conversion Fee: A currency conversion fee of up to 0.15% applies when trading assets denominated in a currency different from your account base currency.
- Inactivity Fee: No inactivity fees are charged.
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Assets You Can Trade on Trading212
Forex
Trade major, minor, and exotic currency pairs.
Spreads starting from 0.8 pips on EUR/USD.
24/5 forex trading with competitive pricing.
Shares
Access over 12,000 global shares from major markets.
Invest commission-free with fractional shares available.
Includes stocks from the US, UK, Europe, and Asia.
Crypto
Trade Bitcoin, Ethereum, and other popular cryptocurrencies.
Competitive spreads starting from 0.3% on Bitcoin.
24/7 trading for cryptocurrencies.
Commodities
Trade popular commodities like gold, silver, and oil.
Competitive spreads starting from 0.03 on silver.
No commissions on commodity trades.
Indices
Access major indices like the S&P 500 and NASDAQ 100.
Spreads starting from 0.4 points on indices.
Includes indices from US, Europe, and Asia.
ETFs
Wide selection of ETFs from global markets.
Commission-free trading on all ETF investments.
Fractional ETF shares available for small-scale investors.
Trading212 Account Types
Trading212 offers different account types designed to meet the needs of various traders. Whether you are a beginner or an experienced trader, you can find an account that suits your trading style. Below are the available account types:
1. Invest Account
- Best for: Long-term investors
- Assets: Stocks and ETFs
- Commissions: Zero commission on stock and ETF trading
- Leverage: None
- Execution Type: Market execution
This account is ideal for traders who prefer buying and holding stocks or ETFs without paying commissions. Additionally, there are no inactivity fees.
2. CFD Account
- Best for: Traders looking for leveraged trading
- Assets: Forex, indices, commodities, stocks, and cryptocurrencies
- Commissions: No commission, but spreads apply
- Leverage: Up to 1:30 (for retail traders under EU/UK regulations) and up to 1:500 (for professional traders)
- Execution Type: Market execution
This account offers access to a wide range of tradable instruments with leverage. However, traders should be aware of the risks involved in CFD trading, as losses can exceed deposits.
3. ISA Account (UK Only)
- Best for: UK residents looking for tax-free investments
- Assets: Stocks and ETFs
- Commissions: Zero commission
- Leverage: None
- Execution Type: Market execution
The Trading212 ISA account allows UK residents to invest tax-free, making it an attractive option for long-term investors who want to maximize their returns.
Which Trading212 Account Should You Choose?
- If you are a long-term investor, the Invest Account is the best choice.
- If you want to trade with leverage, the CFD Account is ideal.
- If you are a UK-based investor, the ISA Account offers tax advantages.
Regardless of the account type you choose, Trading212 provides an easy-to-use platform with commission-free trading for stocks and ETFs.
Deposit & Withdrawal Methods
Trading212 offers multiple deposit and withdrawal options, making it easy for traders to fund their accounts and access their money. Moreover, the platform ensures that all transactions are secure and processed efficiently. Below, we explore the available deposit and withdrawal methods, along with their key details.
Deposit Methods
Depositing funds into your Trading212 account is quick and straightforward. Additionally, most deposit methods are fee-free, allowing traders to fund their accounts without extra costs.
- Bank Transfers – A reliable option for larger deposits. However, processing times may take 2-5 business days.
- Credit/Debit Cards – Instant deposits using Visa and Mastercard, providing a fast and convenient funding method.
- E-Wallets – Supports PayPal, Skrill, and Neteller for quick, hassle-free transactions.
- Google Pay & Apple Pay – Seamless deposits directly from mobile wallets.
- Direct Debit (UK & EU) – Allows easy recurring funding for investors looking to automate their deposits.
While most deposits are instant, bank transfers may take longer, depending on your financial institution.
Withdrawal Methods
Similarly, withdrawing funds from Trading212 is a smooth process. However, withdrawal times may vary based on the payment method used.
- Bank Transfers – A secure method for large withdrawals, usually processed within 2-3 business days.
- Credit/Debit Cards – Withdraw funds back to the same card used for deposits, with transactions typically completing within a few business days.
- E-Wallets (PayPal, Skrill, Neteller) – Fast withdrawals, often processed within 24 hours.
- Google Pay & Apple Pay – Withdrawals can be sent back to the original payment source if supported.
Moreover, Trading212 does not charge fees for withdrawals. However, your bank or payment provider may apply additional processing fees, so it is advisable to check with them beforehand.
Key Considerations for Deposits & Withdrawals
- Most deposit methods are instant, except for bank transfers.
- Withdrawals to e-wallets are faster than bank transfers or card payments.
- Trading 212 does not charge deposit or withdrawal fees, but third-party providers may impose their own charges.
- Regulatory compliance ensures all transactions are processed securely.
By offering a variety of deposit and withdrawal options, Trading212 provides flexibility to traders, ensuring a seamless experience when funding or withdrawing from their accounts.
Is Trading212 Safe to Use?
FCA (UK)
The Financial Conduct Authority regulates Trading212 UK Ltd, ensuring compliance with UK financial standards.
CySEC (Cyprus)
The Cyprus Securities and Exchange Commission oversees Trading212 Markets Ltd, ensuring adherence to EU regulations.
FSC (Bulgaria)
The Financial Supervision Commission regulates Trading212 Ltd, maintaining regulatory standards in Bulgaria.
How Does Trading212 Handle Customer Support?
Trading212 offers multiple channels for customer support:
- Live Chat: Available for real-time assistance through the platform.
- Email Support: For detailed inquiries, with prompt response times.
- Comprehensive FAQ Section: Provides answers to common questions and platform guides.
Bonus & Promotions
Does Trading212 Offer Bonuses?
Unlike some other brokers, Trading212 does not offer traditional deposit bonuses or promotional incentives. This is primarily due to regulatory restrictions in the UK and EU, which limit financial promotions that could encourage excessive risk-taking. However, instead of offering bonuses, Trading212 focuses on providing commission-free trading, a user-friendly platform, and competitive trading conditions.
Trading212 Referral Program
Although there are no deposit bonuses, Trading212 does offer a Referral Program, which allows existing users to earn rewards by inviting new traders to the platform.
How It Works:
- Invite a Friend – Share your unique referral link with a friend.
- Your Friend Signs Up – The referred person must create an account and deposit funds.
- Both Receive a Free Share – Once the requirements are met, both you and your friend receive a free share (value varies).
This referral bonus provides an opportunity for traders to earn rewards without needing to deposit additional funds.
Are There Any Cashback or Trading Rewards?
Currently, Trading212 does not offer cashback programs or trading rebates. However, its commission-free structure already helps traders save on costs, making it an attractive choice for those who prefer low-cost investing over short-term promotional incentives.
Final Thoughts on Trading212 Promotions
Although Trading212 does not provide bonuses or cashback promotions, its commission-free model, referral program, and accessible trading features make it an excellent choice for cost-conscious traders. For those looking for long-term savings, Trading212’s zero-commission trading may be more valuable than short-term bonuses offered by other brokers.
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CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 77% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.