What does Trading 212 cost?

On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Trading 212 works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.

It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the Cyprus ICF up to €20,000, or German EdW 90% up to €20,000 (depends on your country's entity). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.

The broker guide

Trading 212.

What Trading 212 really costs a monthly index buyer, what protects your money, who does your tax paperwork, and what leaving costs. From its own price sheet, dated, with no affiliate link anywhere on the page.

Every figure verified against the brokers’ own price sheets: July 2026. Fee schedules reprice mid-year. If that date looks old, check the price sheet before acting.

What Trading 212 costs, on the example

The bill this year

€0

Twenty years of it

≈ €0

The example pattern: €300 a month, no pot, a euro-listed fund. Your pattern is different: run yours through The Broker Bill

where that sits among the nine

The facts

Available in30 countries, on its published list; the UK too, via its UK entity
The monthly buy€0 · savings plan
Recurring€0/yr
Conversion0.15%
Savings planautomatic · fractions
ProtectionCyprus ICF up to €20,000, or German EdW 90% up to €20,000 (depends on your country's entity)
The cashClient money held at major EU/UK banks; opting into interest sweeps cash into money market funds: “treated as an investment and not as money held with a bank”, its own words.
Does your taxes inGermany
The exitIn-kind transfers out are free, whole shares only (fractions are sold). But not from its German-entity accounts: there, leaving means selling.

The honest note

The widest-available of the free apps (nearly all of the EEA) and the fullest automation: zero commission, a small conversion fee as its main visible charge, and “Pies” that auto-invest and rebalance with fractions. The fine print is where your attention should go. Which entity you contract with depends on your country, and with it the compensation scheme behind you; share lending can be on unless you turn it off (and isn't offered at all under its German entity); interest on cash comes via money-market funds, which are investments, not insured deposits. And the leveraged side of the house lives one tab away. Free, genuinely — it just asks five minutes of you: turn off share lending, know what the cash interest really is, and stay out of the CFD side.

the fine print

Who you deal with

Trading 212 Markets Ltd (Cyprus, CySEC) or Trading 212 EU GmbH (Germany, BaFin); your country decides

The route

Any buy is commission-free (a Pie/AutoInvest or a manual order); the one account fee is the 0.15% currency conversion.

The plan

Pies & AutoInvest: scheduled buys on your rhythm that self-rebalance, fractional; each Pie's minimum derives from its smallest slice.

The cash

Client money held at major EU/UK banks; opting into interest sweeps cash into money market funds: “treated as an investment and not as money held with a bank”, its own words.

The taxes

German residents (under its German entity) get capital-gains tax withheld automatically since January 2026; everyone else self-reports with its Capital Income Statement.

The exit

In-kind transfers out are free, whole shares only (fractions are sold). But not from its German-entity accounts: there, leaving means selling.

Where it operates

It advertises accounts in these countries, on its published list:

all 30 countries

Bulgaria
Croatia
Cyprus
Czechia
Estonia
Greece
Hungary
Italy
Latvia
Lithuania
Malta
Poland
Portugal
Romania
Slovakia
Slovenia
Germany
Austria
Denmark
Spain
Finland
France
Ireland
Iceland
Liechtenstein
Luxembourg
Netherlands
Norway
Sweden
Switzerland

The UK runs through a separate entity, with its own protection scheme.

Tax-sheltered accounts it documents: ISA (United Kingdom).

Compare Trading 212 head to head

The same bill and the same facts, next to another broker:

Compare any two, side by side

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Sources: check it yourself

Keep it honest

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Common questions

What does Trading 212 cost?: On the example I use everywhere on this site, €300 a month into one euro-listed ETF, Trading 212 works out at €0 a year. That's the free or near-free savings-plan route. Your own pattern changes the number: the Broker Bill prices your buy, your pot and your country.
Is Trading 212 safe?: It's a regulated firm you can verify in its regulator's public register. If it failed, the backstop is the Cyprus ICF up to €20,000, or German EdW 90% up to €20,000 (depends on your country's entity). That protects against the firm failing, not against your funds falling in value. The fine print above names the exact entity you'd contract with.
Does Trading 212 do my tax paperwork?: Partly. German residents (under its German entity) get capital-gains tax withheld automatically since January 2026; everyone else self-reports with its Capital Income Statement. Rare on this list: most of the nine leave the filing entirely to you.
Can I set up automatic monthly investing with Trading 212?: Yes. Pies & AutoInvest: scheduled buys on your rhythm that self-rebalance, fractional; each Pie's minimum derives from its smallest slice.

What to hold in it

The broker is half the decision. Which fund to hold in it is the other half, and the gap between two ETFs on the same index is real money: The Tracking Gap

The broker guide: all nine, and your bank The Broker Bill: price your own pattern

No affiliate links: no broker pays me, and none of them knows it's on this page. The order is arithmetic, not sponsorship.

Education, not advice. Fee schedules change and brokers reprice. Check the current price sheet before you open anything. Which broker suits you also depends on your country and your tax situation; I'm not a licensed adviser, happily.

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