Trading 212 Review 2025

Trust

Trading 212 Regulators

When reviewing brokers, we examine the licenses held by each of their entities to determine how effectively they protect clients. We use a simple three-tier system to rank regulatory bodies, with Tier 1 being the most trusted and offering the highest level of protection.

This is what I discovered about the five entities operating under the Trading 212 trade name:

• Trading 212 Markets Ltd is licensed and regulated by the Cyprus Securities and Exchange Commission (CySEC) under license number 398/21. We rate CySEC as a Tier-1 regulator.
• Trading 212 UK Ltd is licensed and regulated by the Financial Conduct Authority (FCA) of the UK under license number 609146. We rate the FCA as a Tier-1 regulator.
• Trading 212 Ltd is licensed and regulated by the Bulgaria Financial Services Commission (FSC) under license number RG-03-0237. We rate the FSC as a Tier-1 regulator.
• FXFlat Bank GmbH is licensed and regulated by the German Federal Financial Supervisory Authority (BaFin) under license number 10109603. We rate BaFin as a Tier-1 regulator.
• Trading 212 AU Pty Ltd is licensed and regulated by the Australian Securities and Investments Commission (ASIC) under license number 541122. We rate ASIC as a Tier-1 regulator.

How Trading 212 Protects You

Brokers operate multiple entities globally, but regulatory protections vary. Some regulators enforce stricter financial standards than others, so traders should understand the safety measures of the entity with which they choose to open an account.

Here is how Trading 212 protects you:

• Keeps client funds segregated.
• Guarantees negative balance protection.
• Participates in multiple compensation schemes.
• Has issued a ‘best execution policy’.

To learn more about the most important safety mechanisms and how they apply to you, click here.

Stability and Transparency

In our Trust category, we assess how stable and transparent a broker is. This includes how long they’ve been in business, the size of the company, and how openly they share important information.

In my research, I found that Trading 212 has been around for over 20 years. According to its LinkedIn page, the broker employs more than 1,200 professionals worldwide, which speaks to the strength of its business model.

I also reviewed the broker’s legal documents and found them clear and well-organized, with essential information easy to access. Another positive is that Trading 212 operates on a “best execution” basis, meaning it is legally required to offer clients the best available spreads under current market conditions.

That said, I did notice a minor transparency gap regarding fees. The average spreads published on the website—for example, a 0.0002-pip EUR/USD spread—were far from what I observed in testing of the CFD account, where the average EUR/USD spread was closer to 1.5 pips. I also noted that current swap rates aren’t published on the site, which could be improved.

Is Trading 212 Safe?

I concluded that Trading 212 is very safe due to the following factors:

• Regulated by five Tier-1 regulators..
• Client money is protected from the broker’s credit risk.
• Provides negative balance protection to prevent a complete account wipeout.
• Has organized and transparent legal documents.

Fees

Trading 212 Trading Fees

Trading 212 Spreads

I tested Trading 212’s spreads on 7 July 2025 during the London and New York opens. The results are shown in the table below:

Broken down by asset class and compared to the industry average, Trading 212 charges low share CFDs spreads, average-to-high spreads on commodities and indices, and high spreads on forex pairs and cryptocurrencies.

I determined that the combination of zero commissions and low spreads on share CFDs makes Trading 212 an ideal choice for stock traders.

Trading 212 Swaps

A swap fee is a trader’s cost for holding an open position overnight because of changing interest rates. Swap long refers to the charge deductible or credit receivable for holding a buy position open overnight. In turn, swap short relates to the charges/credits deductible or receivable for holding a selling position open overnight.

The values listed below are for one full base currency contract (100,000 units).

Live testing revealed that Trading 212 charges low swaps on EURUSD, but high swaps on GBPJPY and XAUUSD compared to the industry benchmark.

Trading 212 Non-Trading Fees

Trading 212 keeps things simple when it comes to funding. Deposits and withdrawals are free of charge; however, your bank or payment provider may charge additional fees. The broker also doesn’t impose an inactivity fee, so you won’t be penalized for taking a break from trading.

Are Trading 212’s Fees Competitive?

In my testing, I found that Trading 212’s spreads on popular instruments were noticeably higher than the industry average. On the positive side, the broker excels in stock trading, offering low spreads and zero commissions. Another plus is that Trading 212 charges no non-trading fees, making it cost-friendly for deposits, withdrawals, and account maintenance.

Platforms and Tools

Trading 212 Web Trader

I tested Trading 212’s Web Trader and found that it delivers a streamlined trading experience, providing traders with everything they may need at their fingertips. The layout is clean and easy to navigate, and even first-time traders can quickly learn their way around it. The platform is also integrated with multiple supporting content, like educational videos, allowing users to learn on the way.

Trading 212 Web Trader is available on Windows and Mac and supports 18 languages, including English, French, Spanish, German, Arabic, Chinese, and more.

Trading 212 Web Trader’s features include:

• Alerts-Setting Option: Traders can set alerts for when the price of a given instrument falls/rises to a predetermined level, which could potentially signal a viable entry opportunity.
• Watchlist Customization: Traders can populate their watchlists with their favorite instruments, making it easier to track market changes.
• One-click Trading: This feature enables instant market entries at the spot price and is invaluable for high-precision traders, such as scalpers.
• Trading from the Chart: Traders can place conventional trading orders directly from the chart, specifying the entry price, volume level, stop and take-profit levels, and more.

In my estimation, Trading 212 Web Trader is best suited for conducting probing technical analysis thanks to its advanced and easily scalable charts. The only drawback is that the platform does not support automated trading via Expert Advisors (EAs).

Charts

I have broken down the available analytical tools and chart configurations below:

• 96 technical indicators: Including trend-based and volume-based indicators, and oscillators to analyze price action and assess market sentiment, helping predict market movements.
• 84 drawing tools: Tools like Fibonacci retracement levels and Elliott waves help identify price patterns, support/resistance levels, and breakout points.
• 10 timeframes: For multi-timeframe analysis, enabling detailed price action analysis.
• 16 chart types: Price action can be displayed as line, bars, or candlesticks, offering diverse perspectives on trading opportunities.

Trading 212’s charts are fluid and easily scalable, allowing traders to quickly spot viable opportunities. However, the charts cannot be expanded to full screen.

Orders

Trading 212 Web Trader features three types of order execution: market, pending, and one-click trading, which support immediate entries at the spot price.

I have broken down the available order types on the platform below:

• Market Orders: Used for immediate entry at the best available price. They guarantee volume filling, though the entry price may differ from the requested price.
• Limit Orders: Guarantee exact price entries, but won’t be filled if the price doesn’t reach the trigger level.
• Stop Orders: They are used to support open positions by limiting the maximum loss that can be incurred if the market turns in the opposite direction. A stop-loss order is placed at a fixed price below or above the spot price. If the market does indeed turn and trigger the stop-loss, it will transform into a market order and get filled at the best possible price.

Trading 212 Web Trader: My Key Takeaways

Trading 212 Web Trader combines user-friendly design, advanced charting capabilities, and robust market research. I especially appreciated the integration of AI-powered trading signals, an advanced news screener, and integrated educational videos. My only gripe is that the platform does not accommodate algorithmic trading via expert advisors.

Trading 212 App

The Trading 212 mobile app is available on iOS and Android, enabling quick and easy access to the market on the go. It is very useful for opening, terminating, and adjusting open positions. The app also retains the flexibility of its web counterpart.

You can also use the app to place market, limit, and stop orders, as well as to adjust the exposure of your open trades.

Trading 212 App: My Key Takeaways

The Trading 212 app is all about convenience. It’s super handy for tweaking trades on the go, especially when markets get volatile. Additionally, it incorporates advanced analytics and keeps you informed about the latest market news and trends.

Trading 212 Execution Model

Trading 212 operates on a No-Dealing-Desk (NDD) basis. The broker obtains its liquidity from external providers. When you place a trading order, the broker routes it to its pool of liquidity providers, where it gets filled at the best possible price.

Tradable Instruments

Trading 212 offers one of the broadest product ranges in the industry, far exceeding the average across most asset classes. With 171 forex pairs, 43 commodities, and over 6,000 shares and ETFs, it provides significantly more choice than the typical broker. The lineup also includes 22 indices, 15 cryptocurrencies, and 5 bonds, giving traders access to both traditional markets and newer asset classes.

What Are CFDs?

CFDs (Contracts for Difference) let you trade on the price movements of assets—like gold—without actually owning them.

For example, if you go long on gold and the price rises, you profit; if it falls, you lose—without ever buying real gold.

The biggest perk? You can jump in or out of the market quickly to take advantage of even the smallest price changes.

What CFDs Can You Trade With Trading 212?

Trading 212 Instruments: My Key Takeaways

One of Trading 212’s biggest strengths is its extensive range of tradable and investing instruments. The broker covers both ends of the spectrum—low-risk securities like ETFs and bonds for cautious investors, and higher-risk assets such as shares and cryptocurrencies for those seeking bigger opportunities. Another standout is its rare selection of exotic currency pairs (e.g., CHF/MXN and CAD/CNH), which most brokers don’t offer.

Customer Support

Customer Support Channels

Customer Support Test

When we test a broker’s customer support, we evaluate the agent’s knowledge of their own website, the time it takes them to respond to questions, and the level of detail in their answers.

Since my last review, I was pleased to see that Trading 212 has added a chatbot, available exclusively through its mobile app. I tested it on 7 July at 14:07 CET and found it helpful but fairly basic.

The bot answered simple queries—like whether Trading 212 offers copy trading—without issue. But it struggled with more detailed questions, such as clarifications about the broker’s investing commissions.

Deposit and Withdrawal

How Do You Deposit Money With Trading 212

How Do You Withdraw Money With Trading 212

Account Types and Terms

Trading 212 Account Opening Process

To create an account with Trading 212, follow these simple steps:

1. Click ‘Open Account’ at the top-right corner of the main page.
2. Choose your country of residence.
3. Choose an account type.
4. Provide your email address.
5. Choose a password.
6. Accept Trading 212’s T&Cs.
7. Confirm your email address.
8. Provide your personal details.
9. Upload proof of ID and proof of address to verify your account.

Trading 212 Account Types

With EUR 10 minimum deposit and a variety of base currencies, Trading 212’s CFD account is quite affordable. I also appreciated the combination of a 45% margin call and 25% stop-out, which decreases the risk of a complete account wipeout. As regards Trading 212’s Investing account, you can find additional information here.

Demo Accounts

Trading 212 offers a demo account that lets traders explore the broker’s available platforms and test their strategies in a risk-free environment. Since markets are always changing, it’s important to keep your skills sharp without risking real money. You can open a demo account before or alongside your live CFD account.

Swap-Free (Islamic) Accounts

Trading 212 does not offer Islamic accounts for swap-free trading.

What is CFD Leverage?

Leverage determines a trader’s overall market exposure. When trading Contracts for Difference (CFDs), positions can be opened for a fraction of their value because of leverage. Essentially, the broker lends the trader money, allowing them to open larger positions. Leverage multiplies the profits a trader generates from winning positions, but also the losses incurred from failed trades.

What Leverage Does Trading 212 Offer?

In the table below, I have listed the maximum retail leverage available with Trading 212 Markets Ltd for instruments from different asset classes:

Trading 212 Restricted Countries

Trading 212 does not accept as clients residents of the United States of America, Canada, Belgium, or any other jurisdiction where trading with leveraged products is prohibited by law.

Research

Research Tools

Trading 212 equips traders with a solid set of research tools. The economic calendar highlights upcoming financial releases that could create trading opportunities, while the news screener keeps users up to date on the latest market developments. An additional sentiment gauge shows the buying and selling pressures behind each instrument.

I was also impressed by the AI-powered trading signals. These not only flag potential setups but also explain how traders might capitalize on them. A nice extra is that the signals are available in audio format, making it easy to stay informed hands-free.

Trading 212 Research: My Key Takeaways

Trading 212’s market research is decent and primarily delivered through its platform. In my view, the most valuable feature is the AI-powered trading signals, which are available in both written and audio formats. On the downside, the broker does not integrate third-party research tools like Autochartist or Trading Central, which could have added extra perspective and depth.

Education

Trading 212 delivers a solid range of educational resources. Its YouTube channel hosts 350+ videos covering everything from technical analysis (like how to read price charts) to fundamental analysis (understanding market drivers) and trading psychology (developing the right mindset). On top of that, another 60 videos are available directly through the platform.

Most of the broker’s written content focuses on investing, with beginner-friendly guides on topics like dividends and portfolio building. Overall, I found the education library practical and approachable, making it a strong starting point for newcomers while still offering useful material for more experienced traders.

The Bottom Line

After thoroughly testing Trading 212, I see it as a broker that excels in safety, accessibility, and product range, but comes with some trade-offs in pricing and functionality.

Being regulated only by Tier-1 authorities makes it one of the safest options in the industry, which gave me confidence during my review. I was especially impressed by its 10,000+ real stocks and ETFs, fractional shares, and PIEs portfolios, which go far beyond what most brokers offer.

On the flip side, my live testing revealed that spreads on forex, indices, and crypto are higher than the industry average, which limits its appeal for cost-sensitive day traders and scalpers. The lack of automated trading tools is another drawback for advanced users.

Overall, I consider Trading 212 an excellent choice for long-term investors and casual traders seeking a secure, beginner-friendly platform with a vast selection of assets. However, if your top priority is ultra-tight spreads or automated strategies, Trading 212 may not be the ideal fit compared to more specialized competitors.

FAQ