When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
The only Stocks ISA giving you
Zero-commission investing
No account fees
4.35% AER on your cash, paid daily
Other fees may apply. See our terms and fees.
4.1
AER
Building wealth is a habit.
Automate it with a Pie.
Invest in ready-made pies, or build your own selecting from thousands of stocks and ETFs
Invest tax-free
Individual Saving Accounts (ISAs) let you save and invest tax-free. Deposit up to £20,000 each tax year, and pay no tax on your profits.
Tax treatment depends on your individual circumstances and ISA regulations which may change
Tax treatment depends on your individual circumstances and ISA regulations which may change
Earn 4.35% AER on your cash
Get paid daily. Withdraw anytime.
4.35
GBP
If you enable interest, we will hold your cash in qualifying money market funds and banks. Otherwise, we will hold it only in banks. Interest applies on cash in an investment account. Terms apply. When investing, your capital is at risk.
See the difference
No commission on buying and selling shares. No account fees.
See how we compare to other ISA providers.
Commission fees
None
None
£5.95 - £11.951
depending on number of trades per month
£3.99 per UK/US trade2
international trades £9.99 or £5.99 with Super Investor plan
Account fees
None
£5.99 - £11.99 mo.3
0.45% p.a.
on the funds value (first £250,000) in your account
£4.99 - £19.99 mo.2
depending on the monthly subscription plan
Dividends reinvestment
Free
Free
Free4
£0.99 per share
Minimum £10 for re-investment
Foreign exchange fees5
0.15%
0.39% - 0.99%6
depending on the monthly subscription plan
1.00%
0.75% after £5,000, 0.50% after £10,000, 0.25% after £20,000
1.5%
1.25% after £25,000, 1.00% after £50,000, 0.50% after £100,000, 0.25% after £600,000
Fractional shares
Bank deposits
Free
Free
Free
Free
Card deposits
0,7%
(Free up to £2,000 cumulative)
Free
There’s a £2500 lifetime limit on these payment methods: Apple/Google Pay
Free
Free
Withdrawals
Free
Free
Free
Free7
- Commission fees
None
- Account fees
None
- Dividends reinvestment
Free
- Foreign exchange fees5
0.15%
- Fractional shares
- Bank deposits
Free
- Card deposits
0,7%
(Free up to £2,000 cumulative)
- Withdrawals
Free
- Commission fees
None
- Account fees
£5.99 - £11.99 mo.3
- Dividends reinvestment
Free
- Foreign exchange fees5
0.39% - 0.99%6
depending on the monthly subscription plan
- Fractional shares
- Bank deposits
Free
- Card deposits
Free
There’s a £2500 lifetime limit on these payment methods: Apple/Google Pay
- Withdrawals
Free
- Commission fees
£5.95 - £11.951
depending on number of trades per month
- Account fees
0.45% p.a.
on the funds value (first £250,000) in your account
- Dividends reinvestment
Free4
- Foreign exchange fees5
1.00%
0.75% after £5,000, 0.50% after £10,000, 0.25% after £20,000
- Fractional shares
- Bank deposits
Free
- Card deposits
Free
- Withdrawals
Free
- Commission fees
£3.99 per UK/US trade2
international trades £9.99 or £5.99 with Super Investor plan
- Account fees
£4.99 - £19.99 mo.2
depending on the monthly subscription plan
- Dividends reinvestment
£0.99 per share
Minimum £10 for re-investment
- Foreign exchange fees5
1.5%
1.25% after £25,000, 1.00% after £50,000, 0.50% after £100,000, 0.25% after £600,000
- Fractional shares
- Bank deposits
Free
- Card deposits
Free
- Withdrawals
Free7
Comparisons to other Stocks and Shares ISA providers are made by Trading 212 and are based on published costs on their websites as of 13.01.2025.
0-9 = £11.95 per trade, 10-19 = £8.95 per trade, 20+ = £5.95 per trade.
UK and US trades cost £3.99 across all Stocks & Shares ISA and Trading Account plans.
Annual subscription prices vary from £5.99 to £11.99 per month.
No fees are charged for reinvesting dividends. Overseas shares may be subject to foreign exchange charges. Dividends are automatically reinvested once they reach £10 per holding.
The foreign exchange fees presented in the comparison table are applied on a per-trade basis.
0.99% per trade on a £0.00 monthly subscription, 0.59% per trade on a £4.99 monthly subscription, 0.39% per trade on a £9.99 monthly subscription.
£15 withdrawal fee may be applied on some withdrawals.
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All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 56,239 reviews on
Trustpilot
Rated 4.6 / 5 based on 56,239 reviews on
Trustpilot
Invited
Easy app
Whether your a major investor or just a person looking to put a little away every month this is the app. You can make a watchlist of all the stocks and shares you're interested in. Linking up to make deposits couldn't be easier, wish I got onto trading 212 along time ago
Invited
Easy to use
Easy to use - no platform fees and lots of funds to choose from - what more could you want?
Invited
Recommended by my colleague and never…
Recommended by my colleague and never looked back. User friendly for me who has little experience in savings and shares. Satisfying to too accumulation of funds daily.
Invited
Good spreads
Good spreads, fast transfers between bank (literally seconds). The only limitation is not being able to change the colour of the candlesticks like you can on tradingview but that is just cosmetic, as far as hardware its flawless.
Invited
hidden gem
It’s mostly simplistic, easy to load up and withdrawl at any time. Great rates, lots of social support, brilliant app and interface. Don’t waste your money in high street banks
Invited
Easy to use
I’ve enjoyed using Trading 212 since I added the app. I’m experiencing good returns
Invited
Good so far
Only just opened an ISA with Trading 212. Seems very easy as straightforward to make transaction. So far so good.
Invited
Very fast login
Very fast login. Excellent notification of all changes on the site. I feel security and happy. Thank you very much.
Invited
The transactions are incredibly fast…
The transactions are incredibly fast even though they are bank transfers. The fx fee is rather minimal and the ease of use and minimalistic interface is very user friendly compared to other platforms.
Invited
Best place to save
Best place to save. Simple. Can withdraw and re top up to the limit again, not many allow this. Decent interest too. I recommend 212 strongly. Recommended by Martin Lewis also.
Invited
Excellent app
Excellent app. Never dabbled in shares before but this is very easy to use with plenty of help in navigating.
Invited
I’m glad that I choose this broker for…
I’m glad that I choose this broker for my investment. It’s easy and smooth experience with their app and overall business.
Invited
Highly recommended
Platform is very easy to understand, very beginner friendly. Minimal fees compare to others. Plus, customer support is very reliable and quick.
Invited
Very good app
Your app is simple to use. Everything is clearly. Instruments are enough. But I like to make options in a future. It is good to have to accounts. Normal/CFD. But it is not nessesary. I like graphs of my porfolio. Ease to subscribe. And very good experience with chat till now.
Invited
Very happy with the service provided
Very happy with the service provided. I do not trade on the platform but use this as a way to keep my saving
Invited
An excellent platform for young and…
An excellent platform for young and mature people to start there investing journey. I moved to trading 212 because the fees are almost none existent and gained so much more.
Invited
Best broker out there
I recently started using Trading212 for my investment portfolio, and I’ve been really impressed so far. The platform is incredibly user-friendly, and the zero-commission trading feature makes it very accessible, especially for beginners. What I found most helpful is the practice mode, which let me experiment with different strategies without risking real money. The real-time market data updates quickly, and the app’s interface is sleek and intuitive. Deposits and withdrawals have been straightforward, and I appreciate the range of stocks, ETFs, and other instruments available. Overall, Trading212 has made investing feel less intimidating, and I’m excited to continue growing my portfolio with it!
Invited
Easy process to open an account
Easy process to open an account. Easy process to transfer funds in from another provider. Regular updates on interest earned and status of transfer in.
Invited
Much easier to use than other platforms
Much easier to use than other platforms
Invited
Very trustworthy and a really brilliant…
Very trustworthy and a really brilliant company to invest your money in!
Showing some of our positive client reviews
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Frequently asked questions
What are ISAs?
Individual Saving Accounts (ISAs) let you save cash tax-free. Any income you make in an ISA is tax-free. There’s an annual limit on how much you can put in your ISA. This limit is called the ISA allowance.
How does the ISA allowance work?
£20,000 is the maximum amount you can contribute to your ISAs each tax year. This allowance is shared between all of your ISA accounts. If you have a Stocks ISA and a Cash ISA, you can’t contribute more than £20,000 to them combined. However, there are no restrictions on how you split the £20,000 allowance. You can put it all in one account or split it across multiple accounts with different providers.
Can I withdraw from ISAs?
Your 212 ISAs are flexible. This means you can withdraw any amount and deposit it back without impacting your allowance, as long as you do it within the same tax year. The UK tax year runs from 6 April to 5 April.
For example, if you deposit £20,000 on the 6th of April 2024, you can withdraw it on the same day and deposit it back anytime you want until the 5th of April 2025. Any amount you withdraw, including previous years contributions, you can deposit back within the same tax year.
For example, if you deposit £20,000 on the 6th of April 2024, you can withdraw it on the same day and deposit it back anytime you want until the 5th of April 2025. Any amount you withdraw, including previous years contributions, you can deposit back within the same tax year.
Can I open an ISA?
Any UK resident over 18 can have an ISA account.
What are the different types of ISAs?
There are five types of ISAs:
With Trading 212 you can have a Cash ISA and a Stocks ISA.
- Cash ISA
- Stocks and shares ISA
- Innovative finance ISA
- Lifetime ISA
- Junior ISA
With Trading 212 you can have a Cash ISA and a Stocks ISA.
Can I transfer an existing ISA?
You can transfer your ISAs in and out of Trading 212 without any restrictions or fees, although your other broker may charge you a fee.
To learn more about ISA transfers, visit our ISA & Portfolio transfers section.
To learn more about ISA transfers, visit our ISA & Portfolio transfers section.
Can I have multiple ISAs?
You can have multiple ISAs with multiple brokers. The only thing you need to make sure is that you don’t breach your £20,000 annual allowance if you have ISAs with multiple brokers.
If you think you may have contributed more than the annual allowance, please contact HMRC for more information.
If you think you may have contributed more than the annual allowance, please contact HMRC for more information.
What can I hold in an ISA?
Cash ISA
You can only hold cash in a Cash ISA. Investments and any other non-cash financial instruments are prohibited.
Stocks ISA
In your 212 Stocks ISA you can hold:
The UK’s HMRC defines which investments are eliglble. Most stocks and ETFs are eligible but their status can change if they get delisted from a certain exchange. A common example is a down listing from a US stock exchange, like NASDAQ or NYSE, to OTC Markets. Unlike NASDAQ and NYSE, OTC Markets is not a recognized exchanged by HMRC so most investments would be ineligible.
If you hold shares that no longer qualify for your Stocks ISA account, you’ll be notified of this change via email and in-app notification. You’ll usually be able to hold or sell your shares up to a specific deadline, after which they’ll be automatically sold. The proceeds from these sales can remain in your Stocks ISA.
You can only hold cash in a Cash ISA. Investments and any other non-cash financial instruments are prohibited.
Stocks ISA
In your 212 Stocks ISA you can hold:
- Stocks
- ETFs
- Cash
- Certain instruments resulting from corporate actions, learn more here
The UK’s HMRC defines which investments are eliglble. Most stocks and ETFs are eligible but their status can change if they get delisted from a certain exchange. A common example is a down listing from a US stock exchange, like NASDAQ or NYSE, to OTC Markets. Unlike NASDAQ and NYSE, OTC Markets is not a recognized exchanged by HMRC so most investments would be ineligible.
If you hold shares that no longer qualify for your Stocks ISA account, you’ll be notified of this change via email and in-app notification. You’ll usually be able to hold or sell your shares up to a specific deadline, after which they’ll be automatically sold. The proceeds from these sales can remain in your Stocks ISA.
Can I keep my ISA if I move abroad?
If you open an ISA in the UK then move abroad, you can’t put more money into it after the tax year that you move, unless you’re a Crown employee working overseas or their spouse or civil partner. It’s important to notify your ISA provider when you stop being a resident of the UK.
You can still maintain your ISA account and receive tax relief on the money and investments held within it. You just can’t contribute additional money.
If you return and become a UK resident again, you’ll again be able to contribute money to your ISAs.
You can still maintain your ISA account and receive tax relief on the money and investments held within it. You just can’t contribute additional money.
If you return and become a UK resident again, you’ll again be able to contribute money to your ISAs.