When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
5.07%* AER (variable)
Flexible - withdraw anytime
Completely free - no account fees
*Promo rate for new clients including bonus of 0.72% for the first 12 months. See the FAQ, and the Promo rate terms
AER
Individual Saving Accounts (ISAs) let you save tax-free. Deposit up to £20,000 each tax year and earn tax-free interest.
Earn 5.07%* AER variable
Earn every day. Withdraw anytime.
*Promo rate for new clients including bonus of 0.72% for the first 12 months. See the FAQ, and the Promo rate terms
5.07
GBP
Simple terms
No minimums
Earn interest on your entire cash balance, big or small. One rate for all.
Unlimited access
Your cash is always free to use. Withdraw anytime without any impact on your interest rates.
Earn daily, paid monthly
Your interest accumulates daily and is paid monthly, maximising your earnings
The 212 difference
Completely free. No account minimums. No lockup periods.
Interest rate (variable)
Promo rate for new clients including bonus of 0.72% for the first 12 months
Includes 0.62% bonus1
Includes 1.27% bonus2
Through Vida Savings
Includes 0.68% bonus3
includes 1.21% bonus4
Interest payment frequency
Monthly
Yearly
Monthly
Monthly
Monthly
Monthly
Withdrawal limit
None
Interest drops to 0.75% if you make 3+ withdrawals per year.
Interest drops to 2.5% if you make 4+ withdrawals per year.
None
None
None
Minimum deposit
£1
£500
£1
£1
£1
£1
Account fees
£0
£0
£0
£0
£0
£0
Includes 0.62% bonus1
Includes 1.27% bonus2
Through Vida Savings
Includes 0.68% bonus3
includes 1.21% bonus4
Yearly
Monthly
Monthly
Monthly
Monthly
Interest drops to 0.75% if you make 3+ withdrawals per year.
Interest drops to 2.5% if you make 4+ withdrawals per year.
None
None
None
£500
£1
£1
£1
£1
£0
£0
£0
£0
£0
Comparisons to other ISA providers are made by Trading 212 and are based on published costs on their websites as of 17.03.2025.
1. Promo rate for new clients for the first 12 months.
2. Promo rate for new clients for the first 12 months.
3. Promo rate for new clients for the first 6 months.
4. Promo rate for new clients for the first 3 months.
The 212 difference
Completely free. No account minimums. No lockup periods.
Promo rate for new clients including bonus of 0.72% for the first 12 months
Monthly
None
£1
£0
Includes 0.62% bonus1
Yearly
Interest drops to 0.75% if you make 3+ withdrawals per year.
£500
£0
Includes 1.27% bonus2
Monthly
Interest drops to 2.5% if you make 4+ withdrawals per year.
£1
£0
Through Vida Savings
Monthly
None
£1
£0
Includes 0.68% bonus3
Monthly
None
£1
£0
includes 1.21% bonus4
Monthly
None
£1
£0
Comparisons to other ISA providers are made by Trading 212 and are based on published costs on their websites as of 17.03.2025.
1. Promo rate for new clients for the first 12 months.
2. Promo rate for new clients for the first 12 months.
3. Promo rate for new clients for the first 6 months.
4. Promo rate for new clients for the first 3 months.
Start building wealth now
Join over 4 million clients
All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 51,346 reviews on
Trustpilot
Rated 4.6 / 5 based on 51,346 reviews on
Trustpilot
Invited
Great features
Great features. Easy to use. Never crashes. I love this app! I wish they had zoom view feature for the tiny numbers.
Invited
Excellent platform 5 Star
Excellent platform for all individual stocks and ETF’s. Easy to use. Great interest rate on cash. 5 Star customer support.
Invited
New beginnings
I am new to trading however have partial knowledge to this subject but trading 212 has made it very easy to understand markets and how they are moving and also how to invest my money and keep my portfolio right.
Invited
Good ISA rate and easy to use
Easy to use, quick and a good solid mobile app. Pretty frictionless set up for a financial app. Good rate on cash ISA.
Great app very easy to use...
Great app very easy to use.... Never had any issues adding money or taking money out of my stocks and shares or cash accounts very happy
Invited
This mobile application offers a…
This mobile application offers a seamless and intuitive user experience. Navigating through the app's features is remarkably straightforward. The interface is clean and well-organized, making it a pleasure to use
Invited
If you’re looking for a simple and…
If you’re looking for a simple and user-friendly way to start investing and saving money, Trading 212 is a solid option I’d recommend. I’ve been using it and really appreciate how accessible it is, especially for beginners. The app offers commission-free trading, which means you can buy and sell stocks, ETFs, and even fractional shares without extra costs eating into your savings. That makes it easier to grow your money over time, even if you start with small amounts.
Invited
Absolutely love Trading 212
Absolutely love Trading 212! The app is user-friendly, with zero-commission trades and a wide range of stocks and ETFs. Great for beginners and experienced investors alike. Fast execution, helpful insights, and smooth interface—highly recommend!
Invited
The Best Long-Term Investing App
Among investment applications evaluated over the past five years, this platform stands out as the best for long-term strategies. Its innovative approach is highly impactful. Users can construct personalized portfolio "pies" or easily replicate those designed by experienced investors. A truly unique and game-changing feature is the auto-rebalancing capability for automated investments, a critical advantage not commonly found elsewhere, ensuring portfolio alignment effortlessly. Reflecting on its capabilities, the efficiency and intelligence it brings to long-term investing are clear. The value is so significant that I regret not having utilized it since 2020. This platform is a powerful tool highly recommended for serious long-term investors.
Invited
Great app
Great app. Easy to use. Easy to navigate. Recommend.
Invited
I had a problem with my 212 account…
I had a problem with my 212 account emailed them they got back to me very quickly & was given a date & time when it would be put right.
Invited
Does what it says on the tin
This is now my bank account, better interest rates, card cashback and opportunity to invest if anything arrises. :)
Invited
Easy to set up and very intuitive app
Very easy to set up and transfer funds into. The app is good and intuitive with lots of insight. Just slightly annoying that the very competitive interest rate offered upon opening has already been cut twice (although I appreciate that a lot of this is market conditions).
Invited
Really easy to use app
Really easy to use app. I used my cash as the kind of a monthly pay out. That makes it easy to see the interest and so that you can then take that as a kind of monthly dividend
Invited
Great app and lots of great info/help…
Great app and lots of great info/help available for newbies. I have greatly enjoyed learning more about self investing. Also love the community section😊
Invited
Complete confidence in company
Complete confidence in company. Website is very informative, helping me make informed choices. Easy to set up account, with all relevant security verification checks. App keeps me updated on my account.
Invited
New customer
I’m quite new to Trading 212. But the whole process from creating an account and transferring funds was extremely easy. Only time will tell if I end up being totally happy. But a great start.
Invited
Modern platform with low fees
Modern platform with low fees, great app, excellent interest on uninvested funds, flexible ISA and partial shares.
Invited
Cash ISA.
Cash ISA. Easy to open with app, deposit funds and check on balance. New this year so no experience of withdrawal yet but chose this one as no charges. Interest added daily so nice to see accruing. So far so good
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