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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Building wealth is a habit.
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Invest in ready-made pies, or build your own selecting from thousands of stocks and ETFs

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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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Join over 4.5 million clients

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All stats are global. The clients figure refers to lifetime funded accounts.

Excellent

Rated 4.6 / 5 based on 59,278 reviews on

Trustpilot

Rated 4.6 / 5 based on 59,278 reviews on

Trustpilot

Invited

Superb support

Superb support, absolutely professional, straight to the point and most importantly fast in response and solving the problems. Cheers

Invited

Very user friendly

Very user friendly, and intuitive. Excellent display of all parameters of account.

Invited

Positive initial experience

I have been a user for a shot while only but so far, my experience is positive. The app is straightforward and user friendly to use.

Invited

A Good Service

Good reaction times on purchases and sales. Easy to follow processes. Very happy with the ethos and the service provided.

Invited

Good investment service

Good service, clear communications and low fees. Overal a great experience.

Invited

Great app

Great app for investing and saving for beginners. I'm liking the new cash back card. Not had a problem with the app.

Invited

Very customer friendly app

Very customer friendly app, I tell everyone about it, highly recommend for anyone starting their stocks journey. Only thing I’m not a huge fan of, is that it doesn’t tell you your ROI it shows your rate of return which is normally a similar figure to the ROI but I want the actual ROI instead of constantly figuring it out. Also what’s great is that you can create pies and invest into the pie and equally split investments into everything within the pie which makes it easier to manage your ROI, however it would be beneficial if you could move everything you’ve already bought into a pie, instead of creating a new pie with everything you’ve already invested in again. Hope that makes sense.

Invited

Great investment platform

Great investment platform, easy to use and navigate. Good options for different types of investments quick and straightforward.

Invited

Brilliant app

The Trading 212 app is very easy to use. Stock prices are constantly updates and the information regarding your portfolio is superb.

Invited

Ease of doing transactions

The company has a user friendly interface that one can easily learn and transact with ease.

Invited

Trading 212 review feedback

Simple and great App. Clear option of investment and the interest available for withdrawal straightforward.

Invited

I'm really enjoying using the app and…

I'm really enjoying using the app and at the same time exploring everything it has to offer and maybe in the future will invest in stocks

Invited

I’ve been using Trading 212 since Feb…

I’ve been using Trading 212 since Feb 2025. It’s a great phone app, so easy to use and low cost trading for us novices! Much cheaper and more transparent than trading via my SIPP.

Invited

I’ve been investing for many years and…

I’ve been investing for many years and I honestly can not fault T212 it’s the best app I’ve used by miles

Invited

Very pleased so far

I love the fact that I can see how much interest I am getting on a daily basis, making me want to save more, the deposits are quick and easy to make.

Invited

Easy to get started and deposit funds

Easy to get started and deposit funds. Started earning interest right away and see my interest increase shown on a daily basis by amount and chart.

Invited

Saving made easy.

Saving made easy. Easy cash Isa with 212 trading has meant i can quickly and easily earn interest. See that interest daily , and see my savings growing before my eyes in real time. Fantastic app , I recommend it to every I know.

Invited

New to investing and trading 212 have…

New to investing and trading 212 have made my experience enjoyable and the team are very helpfull.

Invited

Easy to deposit money and to withdraw

Easy to deposit money and to withdraw. Daily updates on interest. Easy to use app.

Invited

Love the app

Love the app, very easy to use. I also like the interest notifications as they remind me to regularly top up the account.

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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.