When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
Earn daily interest on your portfolio
Boost your investment returns with Trading 212’s share lending
How it works
We lend shares from your portfolio to borrowers and receive interest in exchange. We split all interest equally with you. Share lending is fully automatic and will never cause delays when selling. You still get paid dividends in full.
Your portfolio
Borrowers
Secured by collateral
All lent shares are secured with US treasuries bonds
The collateral minimum is 102% of the shares' value
The collateral is adjusted daily
Your earnings
Last month
£5.28
All-time
£76.23
Fully automatic
We manage everything in the background. You get daily interest.
$208.85
+7.57 (+3.76%)
Today
No restrictions to your trading
Share lending will never cause delays or prevent you from selling shares. You still get paid dividends in full.
Amazon
AMZN
£1,034.23
1.231323Shares
GameStop
GME
£424.73
23.341234Shares
Canon
CAJ
£20.73
235.341234Shares
Complete transparency
See which stocks are lent out and how much interest you're earning
£3,576.23
£3,545.28
Interest rate (AER)
5.1%
Daily interest
£0.21
No commitments
Disable share lending with a single tap. It takes 2 trading days for the program to wind down.
Enable share lending in the Trading 212 app. You'll follow a brief series of steps that explain how share lending works and the associated risks.
Keep in mind
Loss of voting rights
When your shares are lent, you lose your right to vote with those shares
Lent shares may be used for shorting
Traders may borrow shares for shorting, which could affect the value of the stock
Dividend taxation
Typically, you will get dividends as normal. In rare situations, you may receive your dividend in the form of a manufactured payment of the same amount. In some countries, these payments may be taxed differently.
See how much you could earn
Today's most borrowed stocks on Trading 212
NIO
NIO
0.47%
aer
MAIN
Main Street Capital
2.57%
aer
ASTS
AST SpaceMobile
0.13%
aer
MPW
Medical Properties Trust
0.14%
aer
IUSQ
iShares MSCI ACWI (Acc)
0.31%
aer
GME
GameStop
0.07%
aer
P911
Porsche
0.10%
aer
ARM
ARM
0.06%
aer
EUNK
iShares Core MSCI Europe EUR Acc (Acc)
0.32%
aer
PLUG
Plug Power
1.35%
aer
MARA
MARA Holdings
0.04%
aer
SOUN
SoundHound AI
3.13%
aer
RIVN
Rivian Automotive
0.07%
aer
PSEC
Prospect Capital
3.95%
aer
PSNY
Polestar Automotive Holding UK
19.54%
aer
LCID
Lucid
1.02%
aer
LTC
LTC Properties
0.04%
aer
ABR
Arbor Realty Trust
1.19%
aer
SPPW
SPDR MSCI World (Acc)
0.40%
aer
15-year interest projection
The value projection will help you estimate the interests you will accumulate from your lent shares based on the assumption that all earned interests are reinvested and the return rate is constant over time. Results do not account for inflation, taxes, or government costs and charges. The value projection is intended as an illustration and is not a reliable indicator of future performance.
Frequently asked questions
How does it work?
We lend shares from your portfolio to borrowers and receive interest in exchange. We split all interest equally with you. Share lending is fully automatic and will never cause delays when selling.
Are there any risks?
Share lending is a complex product that comes with associated risks:
Risk: The borrower doesn't return your shares.
Safeguard: Your shares are secured by collateral in the form of US treasuries, protected as any other client investment.
Risk: Intraday price volatility. The value of your lent shares can increase, or the collateral value can decrease, leaving you insufficiently collateralised.
Safeguard: The collateral is minimum 102% of the value of your lent shares and is adjusted daily.
Risk: Trading 212 and all other parties simultaneously go bankrupt.
Safeguard: Up to £85,000 protection by the FSCS.
Does FSCS still cover me?
Yes. If Trading 212 fails, the value of your assets is protected up to £85,000 by the FSCS.
Will share lending affect my position?
Share lending won't impact your position. You can close, modify, and add to a position even if your shares are lent. Share lending will not affect your trading in any way.
Will all of my positions be lent?
Share lending is based on supply and demand. Shares with low availability and high demand are more likely to be borrowed. There is no minimum or maximum amount that can be lent.
How much interest will I receive?
Each day your shares are lent, Trading 212 will receive interest and pass you 50% of that interest.
The interest rate is variable and based on supply and demand.
What's a manufactured payment?
A manufactured payment is when cash is delivered by the borrower of the shares instead of the stock issuer.
In some countries, they are taxed differently from regular dividends.
We suggest speaking with a tax professional if you have specific questions about its taxation.
What is short selling?
If traders borrow shares to sell them short, they expect the share value to fall and aim to profit from a price drop.
Who usually lends securities?
Pension and insurance funds, ETF issuers, banks, and brokers.
Start investing now
Get the mobile app
Excellent
Rated 4.6 / 5 based on 34,315 reviews on
Trustpilot
Rated 4.6 / 5 based on 34,315 reviews on
Trustpilot
Invited
Great experience of this app
I opened a LifeTime ISA. It was so easy and the app is user friendly and allows easy access to make payments, withdraw money and check your balance.
Invited
Amazing company
Amazing company. Easy to use
Invited
Excellent app
Excellent app
Invited
Great place to have your money
Great place to have your money. I love how you get your interest daily. Just watch it grow.
Invited
Competitive and Transparent
Trading212 has a very competitive offering, which includes cost free transactions, fractional shares, investment pies and social trading. The interest on free cash is also very attractive. The app is fluid and feature-rich and the key information is presented in a transparent way, which helps build trust in the company.
Invited
The cash ISA is really great
The cash ISA is really great, flexibility to withdraw funds without impacting your allowance. Excellent interest rates, app is really good at showing exactly how much interest you earn each day.
Invited
A great way to buy and sell shares
A great way to buy and sell shares, easy to use and keep track of your stock. Lots of information on each company or ETF.
Invited
This is one amazingly loaded
This is one amazingly loaded app with Customers satisfaction in mind and introduces newbies to modern day trading and investment.
Invited
The customer services were very helpful…
The customer services were very helpful and nothing was too much trouble. They solved my issue with good communication and regular updates. I would definitely recommend Trading 212 for investments.
Invited
Good application with straightforward…
Good application with straightforward use. Being able to buy fractional shares is a very good feature.
Invited
App that makes investing simple
App that makes investing simple I started investing with very little experience, and for a beginner like me, it has really guided me so far.
Invited
Great app overall
Very easy to use! Can set auto invest with direct debit, see the market news and comments from fellow investors. Great app, highly recommend.
Invited
Had this for years and all the…
Had this for years and all the improvements are making my life so much better.
Invited
First time user
First time user, easy to understand and all functions are clear, most important high saving interest
First class cash Isa
First class cash Isa. Everything straightforward dealing with this Isa dealer. Can simply view how your Isa his doing. Very highly recommended.
Invited
Great all round
Great platform, Great company, with Great returns on investments. Have recommended and will continue to do so.
Invited
App working smoothly from the start
App working smoothly from the start. interest rate on cash currently fair, compared to others.
Invited
Excellent interest rate! Easy to set up account via App which is…
Easy to set up account via App which is easy to navigate. Excellent interest rate applied daily. So far so good!
Invited
Best investment platform
From my experience is the best app for investing. Good interest on uninvested funds. Great selection of stocks and ETFs Great charts and visuals.
Invited
10/10 easy to use
10/10 easy to use, best app out there!!!
Showing some of our positive client reviews
Our awards
