BTC65420.0 2.40%
ETH3500.0 1.20%
EUR/USD1.0840 0.10%
GBP/USD1.2650 0.05%
GOLD2350.0 0.80%
OIL85.4000 0.50%
SPX5200.0 0.60%
NDX18100.0 0.90%
USD/JPY151.2 0.20%
TSLA175.4 1.20%
BTC65420.0 2.40%
ETH3500.0 1.20%
EUR/USD1.0840 0.10%
GBP/USD1.2650 0.05%
GOLD2350.0 0.80%
OIL85.4000 0.50%
SPX5200.0 0.60%
NDX18100.0 0.90%
USD/JPY151.2 0.20%
TSLA175.4 1.20%

Trading 212 Review

4.6

Trading 212 is a London-based fintech democratizing the financial markets. It is famous for "Pies" and "AutoInvest," allowing users to build passive portfolios easily. In 2025, they maintain a low 0.15% FX fee, pay high interest on uninvested cash, and offer a multi-currency card with up to 1.5% cashback.

Visit Trading 212
Trading 212 UK Ltd. is registered in England and Wales (Register no. 8590005). Regulated by the Financial Conduct Authority (Register no. 609146).

Pros

  • Zero commission on real Stocks & ETFs
  • AutoInvest Pies for passive investing
  • Lowest FX fee in class (0.15%)
  • Interest on uninvested cash (up to ~5%)

Cons

  • High FX fees on CFDs (0.5%)
  • No MetaTrader 4/5 support
  • Spread markup on CFD accounts

AutoInvest & Pies

Trading 212's signature feature is "Pies". You can build a diversified portfolio of up to 100 stocks/ETFs and treat them as a single asset. With "AutoInvest", you can set a recurring deposit (e.g., $200 monthly) that automatically splits across your Pie slices based on your target percentages.

Fees & The 212 Card

Stock trading is commission-free. The only major cost is the **0.15% FX fee** when trading assets in a different currency. The new **Trading 212 Card** allows you to spend your balance with low exchange rates and earn up to 1.5% cashback, which is automatically reinvested into your portfolio.

FAQs about Trading 212

What is the FX fee?

The FX fee is 0.15% on the Invest and ISA accounts. It applies when you trade assets in a currency different from your account currency.

Are shares real ownership?

Yes, on the Invest and ISA accounts, you are the beneficial owner of the shares. On the CFD account, you are trading derivatives.

What is a Pie?

A Pie is a collection of stocks/ETFs that you create (or copy). You can invest in the entire Pie with one click, and use AutoInvest to deposit regularly.

Is there a card?

Yes, the "212 Card" is a multi-currency debit card that offers up to 1.5% cashback on spending, which is reinvested into your portfolio.

Does it support MT4?

No, Trading 212 uses its own proprietary mobile app and web platform. It does not support MetaTrader.

Regulatory Risk Warning

Investments can fall and rise. You may get back less than you invested.