When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.

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Revolutionary low exchange rates

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Coming this summer. Available with a Trading 212 Invest account.

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4.2%

APY on your euro

0.5%

cashback on your spending

0.15%

FX fee, true interbank rate

13

major currencies

Free

No monthly subscription

Interest applies on the uninvested cash in your account. ATM withdrawals are free up to €400 per month, 1% ATM fee applies thereafter.

GBP

5.2%

EUR

4.2%

USD

5.1%

CHF

1.5%

HUF

7%

PLN

6%

CZK

6%

RON

5%

DKK

2.5%

NOK

3%

SEK

3%

CAD

3.5%

BGN

2.5%

Earn 5.2% on your pounds

Interest paid daily. Spend and withdraw anytime.

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Annual rate applied on the uninvested cash in your account.

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0.5% cashback on your purchases

Get up to €23 per month back on your spending

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Exchange with only 0.15% FX fee

With Trading 212 you convert funds at the live interbank rate, the same rate banks use to convert currencies with each other.

We charge only 0.15% FX fee on currency conversions!

No extra FX costs. You'll never pay more than 0.15%, even on weekends.

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Multi-currency account

Earn high interest on 13 currencies

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No subscription fee

Our card is free - no sneaky fees or plans. See the difference.

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Subscription fee

€0

€0

€0

FX fee

0.15%

1%

after the free exchange limit of £1,000 per mo. is exceeded

From 0.42%

Fee varies by currency

FX rate

True interbank

No mark-up

Custom “Revolut” rate

Interbank + variable mark-up

Mid-market

Weekend FX fee

None

1%

None

ATM withdrawal fees

Free up to €400
per month

1% thereafter

Free up to €200
per month

2% thereafter

Free up to €200
per month

1.75% + €0.50 per withdrawal thereafter

Interest on EUR cash

4.2% APY

on uninvested cash

1.19% APY

2.28% APY

Cashback

0.5%

Capped at €23 per month

0%

0%

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  • Subscription fee

    €0

  • FX fee

    0.15%

  • FX rate

    True interbank

    No mark-up

  • Weekend FX fee

    None

  • ATM withdrawal fees

    Free up to €400
    per month

    1% thereafter

  • Interest on EUR cash

    4.2% APY

    on uninvested cash

  • Cashback

    0.5%

    Capped at €23 per month

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  • Subscription fee

    €0

  • FX fee

    1%

    after the free exchange limit of £1,000 per mo. is exceeded

  • FX rate

    Custom “Revolut” rate

    Interbank + variable mark-up

  • Weekend FX fee

    1%

  • ATM withdrawal fees

    Free up to €200
    per month

    2% thereafter

  • Interest on EUR cash

    1.19% APY

  • Cashback

    0%

header image
  • Subscription fee

    €0

  • FX fee

    From 0.42%

    Fee varies by currency

  • FX rate

    Mid-market

  • Weekend FX fee

    None

  • ATM withdrawal fees

    Free up to €200
    per month

    1.75% + €0.50 per withdrawal thereafter

  • Interest on EUR cash

    2.28% APY

  • Cashback

    0%

Comparisons to other service providers are made by Trading 212 and are based on published costs on their websites as of 12 February 2024.
One time cost applies when ordering physical card. Issuing a virtual card is free.

Move money instantly between saving, investing, and spending

Frequently asked questions

What rate do I get from Trading 212?

You always get the live interbank rate with no additional spreads or markups.
If you're converting during the weekend, you get the last available interbank rate from the weekday, as there is no live interbank rate during the weekend.
In case we don't have an interbank rate, we'll use Mastercard's exchange rate without adding additional spreads or markup.

What is the interbank rate?

The interbank rate is the rate at which banks exchange currencies with each other. This rate is not a single rate but rather a range defined by the buy and sell prices.
The sell price is the highest price a buyer is willing to pay for a currency, and the buy price is the lowest price at which a seller is willing to sell. The difference between these two prices is known as the spread.

For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, that is the interbank rate range.
The interbank rate for buying USD with EUR is 1.07750.
The interbank rate for selling EUR for USD is 1.07700.

What is the mid-market rate?

The mid-market rate is the midpoint between the buy and sell prices of the currencies on the global currency markets.

For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, mid-market rate is 1.07725, the value that's in the middle of 1.07700 / 1.07750.

The same rate of 1.07725 will apply whether you're buying or selling.

What is the difference between interbank rate and mid-market rate?

Тhe difference between the interbank rate and the mid-market rate is the position within the buy and sell price range.
The interbank rate varies depending on if you are buying or selling currency - it's the specific rate you get at that moment.
The mid-market rate is the average of the buy and sell rates and is the same whether you are buying or selling. It's like the halfway point between what buyers are willing to pay and what sellers are willing to accept.

The card that helps you save and invest

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Coming this summer