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Megan is a senior researcher and writer at Which?, with a background in data analysis and stats in the public and charity sectors.
On Trading 212, you can invest in a stocks and shares Isa or general investment account.
The minimum investment to get started on the platform is £1.
Please note that this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.
Trading 212's scores from its customers (79%) and from us for its near zero fees (100%) and wide asset choice (55%) were all far above average. But we can't endorse it because it continues to offer contracts for difference (CFDs), which we believe are harmful to consumers.
83%
Annual fees
of 23 providers
Annual platform charge:
Trading charges:
Find out how these fees compare to other stocks and shares Isas.
Megan Thomas, Which? investments writer, says:
Trading 212 is one of the cheapest platforms you can invest with, as it charges no account or transaction fees – only a low foreign exchange fee of 0.15%.
But – as you might be able to tell from the name – Trading 212 is geared towards regular trading and, if you turn notifications on, you'll receive very regular updates on the price changes of different stocks.
This might lead you to trade more regularly than would benefit you, and ultimately leave you worse off than if you had left your investment alone.
There are also social feeds on the platform in which users discuss investments, but you're likely better off ignoring this too.
Despite the high customer score and low fees of Trading 212, the platform is not a Which? Recommended provider because it offers a product called a CFD (contract for difference).
When trading CFDs on Trading 212, 72% of investors lose money. Unlike other providers, it does keep CFDs separate from your main account, but we do not want to endorse a provider with a product we consider to cause consumer harm.
If you opt for Trading 212, consider turning notifications off and avoiding the riskier assets available on the platform, such as CFDs and crypto, or you risk losing your fee savings on investment losses.
Trading 212 customers scored it 79%, the second-highest score of any platform in our survey.
Comments from Trading 212 customers that took part in our survey include:
Visit Trading 212 to find out more about its accounts, services and investment options.
| Aspect of service | Star rating |
| Customer service | |
| Ease of use | |
| Information on investments | |
| Value for money |
These results are based on a January 2026 online survey of 3,053 adults – members of the Which? Connect panel and members of the public – who told us about 4,146 experiences with stocks and shares Isas. Trading 212 results based on sample size of 270.
Trading 212 is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme (FSCS).
If Trading 212 went bust and its other arrangements to protect your money failed, the FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at fscs.org.uk: there's no reason to use a claims management company.