What Are the Fees on Trading 212? (Invest, ISA & CFD Explained)
Quick Answer: What are Trading 212’s Fees?
Trading 212 charges no commissions on stocks and ETFs, making it popular for cost-conscious investors. However, you’ll pay small FX fees, possible deposit fees after £2,000, and government taxes on certain trades. It offers three account types: Invest, ISA, and CFD, each with different fee details.
Trading 212 Overview
- Minimum Deposit: £1 (via bank transfer or card)
- Invest in stocks, ETFs, and forex with zero commission
- FCA regulated and trusted by over 2 million users
- Intuitive mobile and web platforms with real-time data
- Perfect for self-directed investors looking to build confidence and portfolios without high barriers or complexity
Trading and investing involve risk. The value of your investments can go up or down, and you may lose all or part of your capital. These products may not be suitable for all investors. Please ensure you fully understand the risks involved.
Does Trading 212 Charge Any Fees at All?
While Trading 212 is commission-free for stocks and ETFs, it does have minor costs. You’ll pay FX fees on currency conversions, and a 0.7% deposit fee if you exceed the free limit. There are no custody, inactivity, or withdrawal fees, keeping overall costs low.
Trading 212 Core Fees Overview
| Fee Type | Invest & ISA Accounts | CFD Accounts |
|---|---|---|
| Trading Commission | Free | Free |
| FX Conversion Fee | 0.15% per trade | 0.5% per trade |
| Spreads | N/A | Dynamic |
| Overnight Fees | N/A | Applicable |
| Custody Fees | Free | Free |
| Inactivity Fee | None | None |
| Deposit Fees | Free via bank transfer, 0.7% on card deposits over £2,000 | Free via bank transfer, 0.7% on card deposits over £2,000 |
| Withdrawal Fees | Free | Free |
| Leverage Available | N/A (users cannot borrow funds to trade larger positions) | Up to 1:30* for retail clients / Higher for professional traders |
| Dividend Handling | Paid directly to users | Paid directly to users |
Trading 212 Core Fees Overview
Trading 212 is among the cheapest brokers for everyday investors. Unlike IG and eToro, it doesn’t charge trading commissions on stocks or ETFs. FX fees are lower, and it avoids inactivity fees, making it ideal for beginners or anyone wanting minimal ongoing costs.
Trading 212 vs IG vs eToro Fee Comparison
| Feature | Trading 212 | IG | eToro |
|---|---|---|---|
| Stock commission | Free | £3 (UK) / €5 (EU) | Free |
| FX conversion | 0.15% (Invest/ISA) | 0.50% | 0.50% |
| Custody fee | Free | Free | Free |
| Inactivity fee | None | £12/month after 24 months | $10/month after 12 months |
| Deposit fee | Free up to £2K, then 0.7% | Free | Free |
| Withdrawal fee | Free | Free | $5 |
What Are the Fees in Trading 212 Invest & Stocks and Shares ISA Accounts?
Trading 212 Invest and ISA accounts are built for simplicity and low costs. You’ll pay no commissions or custody fees when buying stocks or ETFs. The only regular charge comes from small FX fees if you trade in currencies different from your account’s base currency.
How Much Is the FX Fee on Trading 212 Invest & ISA?
Whenever you trade investments in a currency different from your account’s, Trading 212 charges a 0.15% FX fee. This is calculated on the live interbank rate, meaning you get a transparent, market-level conversion without extra hidden spreads or weekend markups.
Are There Any Trading or Custody Fees on Trading 212?
Trading 212 does not charge any trading commissions or custody fees for holding your investments. This applies equally to both Invest and ISA accounts, making it cost-effective for long-term investing without worrying about hidden platform charges.
What Government Taxes or Levies Apply When Using Trading 212?
When investing with Trading 212, certain taxes and regulatory fees may apply depending on where the stocks are listed. These are charged by governments or exchanges, not by Trading 212 itself. They’re always displayed on your order screen before you confirm any trade.
| Market | Tax / Fee Applied |
|---|---|
| UK (LSE) | 0.5% Stamp Duty on share purchases (excludes ETFs and AIM shares) |
| UK (PTM Levy) | £1.50 on trades over £10,000 (applies on both buys and sells) |
| France (Euronext) | 0.4% French FTT on purchases of large French companies |
| US (NYSE/NASDAQ) | $0.0000278 SEC fee on sales, plus $0.000166 FINRA fee × quantity sold |
What Are the Fees on Trading 212 CFD Accounts?
Trading 212’s CFD accounts don’t charge trading commissions or custody fees. Costs mainly come from spreads, overnight financing, and a currency fee on profits in another currency. It remains one of the more accessible platforms for leveraged trading, but carries significantly higher risk.
How Does Trading 212 Charge for CFD Trades?
Trading 212 makes money on CFDs through variable spreads and overnight swap interest. Spreads change with market conditions and can widen in volatile periods. If you hold positions past 22:00 GMT, overnight interest is applied, which can be either a cost or a credit.
What Is the FX Fee on Trading 212 CFDs?
For CFDs, Trading 212 charges a 0.5% FX fee on the result, meaning it’s only applied to profits or losses when you close a position in a currency different from your account’s base currency. This ensures you’re not paying it on the full trade size.
What Are the Margin Rates and Leverage on Trading 212 CFDs?
Margin requirements on Trading 212 CFDs depend on the asset. You’ll need less upfront capital for major FX pairs than for stocks. Maximum leverage ranges from 1:5 on stocks to 1:30 on top currency pairs, amplifying both potential gains and losses.
| Asset Class | Margin Rate | Leverage |
|---|---|---|
| Major FX pairs | 3.33% | 1:30 |
| Minor FX pairs | 5% | 1:20 |
| Gold | 5% | 1:20 |
| Other commodities | 10% | 1:10 |
| Stocks & ETFs | 20% | 1:5 |
| Major indices | 5% | 1:20 |
| Minor indices | 10% | 1:10 |
Are There Deposit or Withdrawal Fees on Trading 212 CFD Accounts?
Depositing or withdrawing funds from a Trading 212 CFD account is completely free. Unlike Invest and ISA accounts, there’s no deposit threshold—no matter how much you add or withdraw, you won’t pay deposit fees or bank processing charges from Trading 212 itself.
How Much Can I Deposit or Withdraw on Trading 212?
Trading 212 makes moving your money simple. You can start with as little as €1 on Invest or ISA, or €10 on CFDs. Withdrawals also have low minimums and remain free, making it flexible whether you’re investing a small sum or managing larger amounts.
What Are the Deposit Fees on Trading 212?
Deposits on Trading 212 are free up to a cumulative £2,000 or €2,000 if you use cards, Google Pay, Apple Pay, Sofort, or OnlineBankingPL. After that, a 0.7% fee applies. Deposits by bank transfer or instant bank transfer stay free without any limit.
| Payment Method | Fee |
|---|---|
| Cards / Google Pay / Apple Pay / Sofort / OnlineBankingPL | Free up to £2,000 / €2,000 total, then 0.7% fee |
| Bank Transfer & Instant Bank Transfer | Always free |
The free card deposit limit is cumulative and doesn’t reset. You can track your remaining free allowance anytime in your Trading 212 app.
Are Withdrawals on Trading 212 Free?
Yes, all withdrawals on Trading 212 are completely free. The platform doesn’t charge you to take your money out, though your bank or payment provider might apply separate processing fees outside of Trading 212’s control.
How Much Interest Does Trading 212 Pay on Uninvested Cash?
Trading 212 pays competitive daily interest on any uninvested cash you hold in your account. Rates vary by currency, helping offset inflation or idle periods. It’s automatically calculated and paid, so you earn without needing to lock up your funds or take extra steps.
| Currency | APY |
|---|---|
| USD | 4.1% |
| GBP | 4.1% |
| EUR | 2.4% |
| CAD | 3.5% |
| PLN | 6% |
| HUF | 7% |
| Others | Varies by market rates |
Does Trading 212 Charge an Inactivity Fee?
No, Trading 212 does not charge any inactivity fees on Invest, ISA, or CFD accounts. Whether you trade daily or let your portfolio sit untouched for months, you won’t pay a penalty simply for holding your account open without frequent transactions.
What Are the Minimum Deposit and Trade Amounts on Trading 212?
Trading 212 has low barriers to entry. You can start with just €1 on Invest or ISA accounts, or €10 for CFDs. Minimum trade sizes vary by asset, ensuring even small investors can participate while still maintaining sensible thresholds for leveraged products.
| Country / Region | Regulator | Entity |
|---|---|---|
| UK | FCA | Trading 212 UK Ltd |
| EU | CySEC | Trading 212 Markets Ltd |
| Germany | BaFin | FXFlat Bank GmbH |
| Australia | ASIC | Trading 212 AU PTY LTD |
What’s the Bottom Line on Trading 212 Fees?
Trading 212 keeps investing costs impressively low. With no trading commissions, no custody fees, and no inactivity charges, most users only ever pay small FX fees or minor deposit fees above £2,000. Combined with strong regulatory protection, it’s one of the most cost-effective platforms available.
Trade Smarter, not Harder
- Invest as little as £1
- Earn daily interest
- Earn 4.9% AER on GBP
Trading and investing involve risk. The value of your investments can go up or down, and you may lose all or part of your capital. These products may not be suitable for all investors. Please ensure you fully understand the risks involved.
FAQs
Does Trading 212 charge for ISA accounts?
No, Trading 212 does not charge you to open or maintain a Stocks and Shares ISA. Trading remains commission-free, and there are no custody or inactivity fees. The only cost is a 0.15% FX fee if you buy assets in another currency.
How does Trading 212 make money if they have no commissions?
Trading 212 primarily earns revenue through small FX conversion fees, interest on cash held, and the spread on CFD trades. By not charging traditional commissions or custody fees, it attracts more investors who then generate these indirect revenues.
Do I pay tax when withdrawing from Trading 212?
No, Trading 212 does not impose any tax when you withdraw funds. However, you may still have to pay capital gains tax or declare dividends depending on your local tax laws. Always check with a tax advisor for personal guidance.
No, Trading 212’s fee structure is transparent. You’ll see any FX fees or applicable deposit charges clearly displayed before you confirm transactions. Government taxes like stamp duty are also shown on the order screen, so there are no hidden surprises.
Is Trading 212 really free for stocks and ETFs?
Yes, Trading 212 offers zero trading commissions on stocks and ETFs, meaning you don’t pay to buy or sell. You only pay a 0.15% FX fee if you trade in a different currency. There are also external taxes like UK stamp duty where applicable.
References
- Trading 212 Official Terms and Conditions: Provides detailed information on account types, fees, and charges.
- Trading 212 Support – Fees in Invest and ISA Accounts: Outlines the specific fees associated with Invest and ISA accounts, including FX fees and trading commissions.
- Trading 212 Support – Fees for Funding Accounts:Details the fees related to various deposit methods and thresholds.
- Trading 212 Support – Fees in CFD Accounts: Explains the fee structure for CFD accounts, including spreads, overnight interest, and FX fees.
- Trading 212 Support – Applicable Stock Exchange Fees:Covers fees imposed by relevant exchanges and tax authorities for different markets.
- Trading 212 Multi-Currency Accounts:
