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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Earn daily interest on your portfolio

Boost your investment returns with Trading 212’s share lending

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Your earnings

Last month

£5.28

All-time

£76.23

Interest rate

4%

Daily interest

£0.23

Lent shares

Amazon

£1,034.23

AMZN

1.231323 shares

GameStop

£424.73

GME

23.341234 shares

Canon

£20.73

CAJ

235.341234 shares

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

How it works mobile graph

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.

$138.85
+3.56 (+2.63%)

Today

Sell

Buy

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)

4%

Daily interest

£0.21

Disable lending

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

voting-rights image

Loss of voting rights

When your shares are lent, you lose your right to vote with those shares

shares-usage image

Lent shares may be used for shorting

Traders may borrow shares for shorting, which could affect the value of the stock

taxation image

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

1.66%

aer

Main Street Capital

0.92%

aer

AST SpaceMobile

0.44%

aer

Amundi STOXX Europe 600 DR (Acc)

0.32%

aer

iShares MSCI ACWI (Acc)

0.32%

aer

SoundHound AI

0.15%

aer

Rigetti Computing

0.88%

aer

D-Wave Quantum

0.34%

aer

Medical Properties Trust

0.10%

aer

MARA Holdings

0.09%

aer

Gladstone Investment

19.09%

aer

Super Micro Computer

0.05%

aer

Stellantis

0.06%

aer

IonQ

0.10%

aer

Prospect Capital

0.61%

aer

Rivian Automotive

0.10%

aer

Vanguard FTSE Emerging Markets (Acc)

0.50%

aer

KULR Technology

0.61%

aer

ZIM Integrated Shipping Services

0.20%

aer

Agree Realty

0.04%

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.

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Frequently asked questions

What's share lending?

Share lending is the process of a lender transferring their shares to a borrower. In return, the lender receives daily interest and collateral.

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.

How are my lent shares protected?

You will receive collateral of at least 102% of the value of the lent shares. The collateral will be in the form of US treasuries and will be adjusted daily to match the value of the shares. The collateral will follow the same regulatory rules as your other investments.

Does FSCS still cover me?

Yes. If Trading 212 fails, the value of your assets is protected up to £85,000 by the FSCS.

Am I eligible for share lending?

Everyone with an Invest account with Trading 212 UK is eligible for share lending. ISA accounts can't enrol due to HMRC regulations.

Can I disable share lending?

Yes. You can disable it anytime and it takes 2 trading days for the program to wind down. However, you will lose the opportunity to earn interest on your shares.

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.

Are all shares eligible for share lending?

Yes.

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.

Will I receive dividends from lent shares?

You will still receive the entire dividend as a manufactured dividend payment.

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.

Can I exercise my voting rights while my shares are lent?

When your shares are lent, you lose your right to vote with those shares.

Why are shares usually borrowed?

Shares are typically borrowed for short selling.

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.

Do I still own the shares that have been lent?

You remain the beneficial owner of the shares. This means that you still benefit from any rise in the value of the shares or lose when the share price falls.

Where can I learn more about share lending?

The International Securities Lending Association (ISLA) has an excellent video on the basics of share lending.

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

Excellent

Rated 4.6 / 5 based on 54,174 reviews on

Trustpilot

Rated 4.6 / 5 based on 54,174 reviews on

Trustpilot

Invited

Simple, secure and easy to use

I was (and still am) a rookie when it comes to investing. I didn't have a clue where to even buy stocks. I found out about 212, did some research and decided to begin my journey. The UI is really easy to use. Everything is clearly laid out. I have a simple stock ISA and invest regularly. I totally recommend this app..

D Brown

2 days ago

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Really easy to use and great company

Really easy to use and great company. I was sceptical about opening an ISA with an app and not a bank, and with closing my existing ISA and transferring it but it has been seamless. I feel my money is safe.

Emily K

2 days ago

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Easy to use platform

Easy to use platform, FAQs are helpful to help with occasionally used functionality like transferring money between accounts within your T212 main account. Super easy to get started with predefined investment pies, rebalancing of the holdings with pies is simple one click process.

Robin Burgess

3 days ago

Invited

Great service love the app

Great service when I had a small issue initially the response and action was immediate and much appreciated

Julie Dolan

3 days ago

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Love this app and the communityl

Love this app and the community

GM

3 days ago

Invited

Very straightforward and intuitive.

Very straightforward and intuitive. This is my first dive into stock and share and with 212 it’s been a smooth journey so far.

A.H

3 days ago

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A great app and great flexible ISA

A great app. Easy to use and I really like the flexibility of the ISA so I can keep adding to the account through out the year. Wish I’d opened an account previously

Rob

3 days ago

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Love the ease of this app

Love the ease of this app, so easy to add funds and see how much interest my savings are earning on a daily basis. Also interest rates are really competitive too!

Sharon Taylor

3 days ago

Invited

Love the app

Love the app

Mr Terry Rose

4 days ago

Invited

Fantastic App…

Fantastic App with loads of options on Saving and investing. Really good layout and easy to use App.

Andrew Dare

4 days ago

Invited

All round great experience

All round great experience, no fees and top interest rate

David

4 days ago

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Money grows

It’s fab to see on daily basis how your money grows . Thank you for your info about investment and other options.

Gabriela Bhardwaj

10 days ago

Invited

Easy to use app

Easy to use app. One of the best I’ve ever used. Great products. The proactive alerts are very useful as is their competitive interest rates!

Colin Meakin

10 days ago

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So easy to use and navigate

So easy to use and navigate, amazing features and love the high interest savings account + 20k tax free ISA

Nick Howarth

10 days ago

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Very easy to use

Very easy to use. Deposit into cash ISA in seconds, and withdrawals are received in your bank account in minutes - 2-4 days. I’d recommend this app to those who want to get a better interest return than at most banks, but want the flexibility of easy access.

Frances Dutton

10 days ago

Invited

Great app!

Very clear to understand what’s happening on my account with the app. Very clear information and easy to access.

R Meadows

10 days ago

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Simple to set up ISA account

Simple to set up ISA account and to transfer existing ISA funds from another Bank. Good clear app where there is a summary on the front page and you can drill down to all the details

Richard Robinson

10 days ago

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Great app

Great app! Easy to navigate and explore. Most affordable for regular income investor

ST

11 days ago

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Great interest rates & notifications

Great interest rates, good notifications and easy to use the cash ISA

Jessica

11 days ago

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Modern app

Sleek, fast, modern and continually improved app and UI. Customer focus, low rates

customer

11 days ago

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