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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The only Stocks ISA giving you

  • Zero-commission investing

  • No account fees

  • 4.35% AER on your cash, paid daily

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Open account

Other fees may apply. See our terms and fees.

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4.1

AER

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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.

Learn more

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.

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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

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  • 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

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  • 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

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  • 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

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  • 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.

  1. 0-9 = £11.95 per trade, 10-19 = £8.95 per trade, 20+ = £5.95 per trade.

  2. UK and US trades cost £3.99 across all Stocks & Shares ISA and Trading Account plans.

  3. Annual subscription prices vary from £5.99 to £11.99 per month.

  4. 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.

  5. The foreign exchange fees presented in the comparison table are applied on a per-trade basis.

  6. 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.

  7. £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!

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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.

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:
  • 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.

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.

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:
  • 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.