The 0.7% fee on Trading 212 is a deposit charge applied to card payments (credit/debit), Google Pay, Apple Pay, and other instant methods once a total, lifetime deposit of £2,000/€2,000 has been exceeded. This fee does not apply to bank transfers, which remain free regardless of the amount.
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. The free card deposit limit is cumulative and doesn't reset.
The only fee Trading 212 can charge your Invest and ISAs is the FX Fee. Stamp Duty Reserve Tax is charged at 0.5% on share purchases made for stocks listed on the London Stock Exchange. There is no Stamp Duty charge applied to gilts, bonds or ETFs.
My £20,000 investment on Trading 212 (5-month return)
How does Trading 212 make money if they don't charge fees?
Here's T212s own answer: We have multiple revenue streams, depending on the service. On the Invest and Stocks ISA side, our main revenue streams are the 0.15% FX fee (0.4% for Trading 212 AU) and share lending proceeds, while on the CFD side, it's the overnight interest fees and CFD spread .
Trading 212 users in the UK must pay Capital Gains Tax (CGT) on profits from selling assets, with a £3,000 tax-free allowance for the 2024-2025 tax year. Dividends from Trading 212 investments are subject to Dividend Tax, with a £500 allowance and rates of 8.75%, 33.75%, or 39.35% depending on your income tax band.
Unlisted ETFs are subject to a commission. Trade orders placed through a broker will receive the negotiated broker-assisted rate. An exchange process fee applies to sell transactions. All ETFs are subject to management fees and expenses.
Trading 212 is a commission-free platform, meaning no commission is applied to your trades. However, an FX fee of 0.5% is charged on the results of closed positions if the currency of the traded instrument differs from your account currency.
Is this number correct? Our research suggests that about 70 to 90% of traders lose money. It is, of course, impossible to get an exact number, but as a rule of thumb, we believe 70-90% is close to the “correct” ballpark figure.
We run strict safety checks multiple times a day to keep your investments secure. This protects you in the event Trading 212 should fail - not where the value of your investments goes down due to market changes. You can learn more about how the FSCS operates here.
By strategy, discipline, and patience, an income of 1,000 rupees per day from the share market is possible. Don't trade on emotions, stick to your trading plan and utilize stop-losses. Stay current, you will over trade against yourself. Start small, learn from experience, refine techniques for beginners.
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75% (Trading 212 Markets Ltd; FXFlat Bank GmbH; Trading 212 Ltd.) & 72% (Trading 212 UK Ltd.) 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.
Interactive Investor is the cheapest Stocks and Shares ISA platform for most people who want to invest in mixed portfolios. This is because it charges fixed monthly fees, which become a smaller percentage of your portfolio as your portfolio grows in value.
