Trading 212 Review
4.6
Trading 212 es una fintech de Londres famosa por "Pies" y "AutoInvest". En 2025 mantienen una tarifa de FX baja del 0.15%, pagan altos intereses sobre el efectivo y ofrecen una tarjeta multidivisa con hasta un 1.5% de cashback.
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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
¿Cuál es la tarifa de cambio (FX)?
La tarifa FX es del 0.15% en cuentas Invest e ISA. Se aplica al convertir monedas.
¿Las acciones son propiedad real?
Sí, en cuentas Invest e ISA usted es el propietario. En CFD, opera derivados.
¿Qué es un "Pie"?
Un Pie es una colección de acciones/ETF. Puede invertir en todo el Pie con un clic.
¿Hay una tarjeta?
Sí, la "Tarjeta 212" es una tarjeta de débito multidivisa que ofrece hasta 1.5% de cashback.
¿Soporta MT4?
No, usa su propia app. No soporta MetaTrader.
Regulatory Risk Warning
Investments can fall and rise. You may get back less than you invested.