Trading212 Review 2026

Trading 212 is an online broker that offers real stocks, ETFs, and CFDs across a variety of asset classes. The company is based in London and is regulated by two international organizations.

With a modern cross-platform experience, Trading 212 operates trading accounts on a zero-commission model and continues to be a leading trading app in the UK since 2016.

In this review, we cover the range of trading products, the quality of the mobile and desktop platforms, and step-by-step guides to sign up and start trading with Trading 212.

Read on to find out if Trading 212 is available in and how you can get started.

Trading 212 at a Glance

Pros and Cons of Trading With This Broker

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Can You Trust Trading 212?

Where Does Trading 212 Operate?

Trading 212 runs under two registered companies, one in England and Wales, and one in Bulgaria. The company is authorized to operate as an online broker by two regulatory bodies:

• Financial Conduct Authority (FCA) – Registration no. 609146
• Financial Supervision Commission (FSC) – Registration no. RG-03-0237

Trading 212 accepts traders from over 100 countries worldwide, including Australia, Japan, Singapore, the UK, Spain, Germany, Netherlands, Poland, Romania, and the UAE.

The broker does NOT accept customers from some countries like Canada, the US, or China. (see which brokers & trading apps are available in your country)

Website and Platform Languages

The Trading 212 website and platform are available in 11 languages. These are:

• English
• German
• Dutch
• French
• Italian
• Espanol
• Polish
• Russian
• Romanian
• Chinese
• Arabic

Customer service, however, is only available in English and is based in the UK.

Client Fund Protection

Traders funds are kept in separate bank accounts and are protected under the:

• Financial Services Compensation Scheme (FSCS) – Compensation up to £85,000
• Investors Compensation Fund (ICF) – 90% compensation up to €20,000

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How To Open A Trading 212 Account

Trading 212 offers three retail account types: CFD, Invest, and ISA.

Traders can open an account with Trading 212 in a few simple steps. After clicking the ‘Open Account’ button on the website or application:

1. Select your country of residence (and the country where you pay taxes).
2. Fill in name, phone number, and date of birth.
3. Provide your National Tax Identifier (NTI).
4. Fill in your residential address.
5. Select your account type(s).
6. Select your preferred currency to trade with.
7. Provide financial details of your:
   • Annual salary and estimated savings
   • Source of your income for the deposit
   • Occupation.
8. Provide details of your trading experience:
   • Trade volume in the past 12 months
   • Professional experience in financial sectors.
9. Verify your account by providing:
   • A valid ID (photo or scan)
   • An up-to-date selfie
   • Proof of address (bank statement or utility bill from the past 3 months).

Professional Account Requirements

Trading 212 offers a professional trading account, though the benefits and features of the upgrade are not stated on the website.

Requirements to open a ‘Pro’ account with Trading 212 are:

• An average of at least 10 trades in each of the last four quarters of the past year (min. 40 trades for the year)
• An investment portfolio (cash and financial instruments) of at least €500,000
• At least 1 year of professional experience in a financial sector

What About a Demo Account?

To open a demo account, traders provide their e-mail address with a password and are given immediate access to a fully functional demo platform.

The account comes with £50,000 practice credits. It must be noted that not all products are listed on the demo account. Clients can switch to a real trading account from the demo dashboard.

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Guide To Trading CFDs With Trading 212

Trading 212 clients can choose from three retail variations of the platform:

• Trading 212 CFD: Contracts-for-difference on forex, commodities, stocks, and indices
• Trading 212 Invest: Real stocks and exchange-traded-funds (ETFs) from as little as £1
• Trading 212 ISA: Tax-free, zero commission stocks from £1

With the CFD account, traders have access to the following asset classes: forex, commodities, indices, and stocks. These markets open at 21:01 on Sundays and close at 20:59 on Fridays (GMT).

Forex

There are over 200 forex pairs to trade.

Commodities

Here are the commodity CFDs offered by Trading 212:

Traders can also speculate on commodity/forex pairs, primarily with major currencies and precious metals.

Indices

There are over 40 index CFDs offered by Trading 212:

Stocks (CFDs & Real Shares)

Traders have over 3,000 global stocks and ETFs to choose from. Popular real stock equities on the Trading 212 market include:

• Barclays PLC
• Vodafone Group PLC
• Bayerische Motoren Werke AG
• Deutsche Bank AG
• Tesla, Inc.
• Lloyds Banking Group PLC
• China Railway Group Ltd.
• Xiaomi Corp
• Apple Inc

Real stocks and ETFs can be traded on the Trading 212 Invest and ISA platforms, while stock CFDs are available on the CFD platform.

How to Start Trading CFDs Step-by-Step

In a few steps, traders can begin to trade CFDs and manage their positions.

Here is how you do it:

1. First, ensure that Trading 212 is available in
2. Log in to your verified trading account and select ‘Trading 212 CFD’
3. Deposit funds by clicking the blue ‘Deposit’ button
4. Select an instrument of interest (after ample research)
5. Click the ‘Buy’ or ‘Sell’ indicator for your chosen instrument
6. Set the quantity and any profit/loss limits
7. Click ‘Confirm’ to open the trade

Once you’ve executed your first trade, you can manage your open positions at the bottom center of your screen.

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Deposits & Withdrawals

The available deposit and withdrawal methods are:

• Apple Pay
• Bank Transfers
• Carte Bleue
• Credit/Debit Card
• Direct eBanking
• Dotpay
• Giropay
• Google Pay
• iDEAL
• PayPal
• Skrill

There are no deposit fees until you deposit GBP 2,000 in total, then an 0.7% fee applies. There are no withdrawal fees.

Trading 212 Fees and Spreads

Trading 212 fees depend on your account type. Here’s a summary of fees based on which Trading 212 account you hold.

Trading 212 Invest Account Fees

Fees for real stocks and ETFs:

Trading 212 CFD Account Fees

Fees for CFDs and forex:

Trading 212 ISA Account Fees

Fees for tax-free stock trades:

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Platforms

We tried Trading 212’s desktop and mobile applications, then reviewed them side-by-side.

Asset Browsing and Dashboard

• On Desktop: All assets are accessible through the sidebar alongside customizable watchlists. The side-bar toggle can be set to close automatically when the cursor is elsewhere. The rest of the dashboard consists of the position manager and chart in the center of the screen, and the trading stats bar.
• On Mobile: Traders use a slider to navigate between asset classes and scroll to browse products. The top bar presents the available balance and the option to switch between account types.

Executing Trades

• On Desktop: Traders can choose between a trade at the market level, a stop/loss trade, and a multi-order trade. The trade execution window also shows the active margin and SWAP trading fee.
• On Mobile: The mobile trading screen is more feature-rich than its desktop counterpart with a built-in charting tool. More, trading stats can be viewed in the live trade window by scrolling down.

Position Management

• On Desktop: An open tab at the bottom of the dashboard. It shows stats like the instrument quantity, current and traded price, direction of trade, margin, and a live profit/loss meter. Multiple positions can be closed at a time. The same tab gives access to pending orders and price alerts.
• On Mobile: The position management tabs resemble the trading tabs with the corresponding chart, trading data, and ability to close the trade, or even buy more of the same product.

Trading Tools and Resources

• On Desktop: The charting tool takes center stage on the desktop with chart templates and a multitude of indicators, both pre-set and custom. Video tutorials are available on-demand, even on charting.
• On Mobile: While the economic calendars, video tutorials, and reports are all accessible on mobile too, the charting tool is the most impressive. Traders can go as far as finger-drawing Elliot Waves and adding customized Bollinger Bands.

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Verdict

FAQs

Does Trading 212 offer trading on cryptocurrency?

No. As a result of the FCA’s new policy on cryptocurrencies, Trading 212 stopped offering crypto CFDs as of November 27, 2020. The company stated that removal of cryptocurrency products “was an internal business decision as it is becoming increasingly difficult, and almost impossible to hedge cryptocurrency exposure.”

Is Trading 212 good for beginners?

Trading is not good for beginners, period. Trading 212 has a modern, and clutter-free demo platform that allows traders to start trading with practice credits in minutes. The product range is impressive, and there is plenty of support material to help traders learn about the world of trading. Those new to trading may want to practice with demo credits before spending real money.

How do I withdraw money from Trading 212?

To withdraw your funds from your Trading 212 account, you need to use the same payment method as you did to fund the account. According to Trading 212, this is for security reasons. You can read more about Trading 212 deposits and withdrawals in our deposits overview.

Do Trading 212 pay dividends?

Yes, Trading 212 pays dividends to their eligible clients. The qualification criteria are different for Invest/ISA account holders versus CFD account holders. CFD dividends are paid if a position is held open through an ex-dividend date. The funds are sent or deducted from the trader’s account.

How does Trading 212 make money?

Since Trading 212 does not charge commissions, they make their money through spreads (both variable and fixed), as well as SWAP rates. SWAP rates are calculated on a per-product basis and are applied to the account balance at 21:00 GMT. To see Trading 212’s up to date spreads, visit their website.

Can you buy shares on Trading 212?

Yes, Trading 212 offers customers real shares of companies via its subsidiary platforms: Trading 212 Invest, and Trading 212 ISA. Alongside shares, traders can choose from thousands of stock CFDs. The full list of stocks can be seen on Trading212.com. You can also find a list of products here.

Credits: Written by Marko Csokasi with contributions from the Commodity.com editorial team. Updates in Feb 2021 by Natalie Mootz.

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