Taxes, instant
and automated
Real‑time withholding. Full transparency. Less paperwork.
Clarity in real-time
We don’t wait until the end of the day. We calculate your taxes instantly after every trade. See your realised profits, taxes paid, and offsets used in one dedicated, transparent view.
Seamless exemption orders
Set up your single or joint tax-free allowance within seconds in the app. Benefit from a tax-free amount of up to 2k for couples or 1k for singles.
Fully transparent tax transactions
All tax transactions in a single view. Find what you are looking for using filters. Updated in real-time.
Tax documents on tap
Get notified when documents are ready and find them directly in the app. Need a loss certificate? Request it in-app with a single tap.
Clarity on tax handling
Check the tax treatment of each asset directly on the product page — no guesswork, no surprises.
The Trading 212 difference
We built our tax engine from scratch to be faster and more transparent
The industry standard
Tax calculations
Real-time
Overnight or end-of-day
Joint exemption
Instant in-app set-up
Paper forms, branch visits or emails
Transparency
Instant in-app overview and per transaction breakdown
Delayed PDF statements
Tax treatment overview
Directly on the product page
No information
- Tax calculations
Real-time
- Joint exemption
Instant in-app set-up
- Transparency
Instant in-app overview and per transaction breakdown
- Tax treatment overview
Directly on the product page
Coming soon features
Tax chart
Get an easy-to-scan overview how your tax payments developed
In-depth tax breakdown
Understand exactly how your taxes were calculated - for every transaction including loss pots and exemption usage
Pre-trade tax estimation
Know how many taxes you will pay on a sell before you decide
Start building wealth now
Join over 5 million clients
Get the mobile app
All stats shown are global. The number of clients represents clients who have funded at least one account, excluding clients whose accounts have been closed or deactivated.
Excellent
Rated 4.6 / 5 based on 108,102 reviews on
Trustpilot
Rated 4.6 / 5 based on 108,102 reviews on
Trustpilot
Invited
I’m very new to trading and found…
I’m very new to trading and found trading all a bit daunting. I tried a few various sites and apps before but this seems great so far.
Invited
So easy to check everything on the app
So easy to check everything on the app, you can see your total funds everyday and see your money grow.
Invited
The app is very good and user friendly.
The app is very good and user friendly. Execution of trades is also very good.
Invited
So easy to get up and running
Trading 212 just removed all the barriers I had to beginning to invest. It has such an intuitive interface.
Invited
I’ve always had a great experience…
I’ve always had a great experience whether depositing or withdrawing. I was a little nervous at first but because it is so easy to use I am very happy to continue.
Invited
Easy and safe to use
Easy and safe to use. Loads of good information on different ways to invest. In the process of transferring my ISA/funds from Revolut.
Invited
T212
Good reliable broker, small commissions or fees, 24h trading, good for a new starter
Invited
Simple to open account
Simple to open account and an immediate increase in interest payments following an increase in Bank of England rates. Great stuff!
Invited
Love it
Love it, makes investing easy and fun, great community too. Very low fees too.
Invited
Great interface.
Great interface. Easy to understand for a newbie like me.
Invited
Very great app
Very great app. Can do investing staying at home in your free time. Good platform.
Invited
Easy to navigate and the notifications…
Easy to navigate and the notifications / updates are consistent and noteworthy
Invited
Transparent and seamless
Great platform, simple to use and transparent low pricing
Invited
Interest added daily
Interest added daily. Decent interest rate. Good communication
Invited
Just everything about 212 is brilliant.
Just everything about 212 is brilliant. Everything is just so clear and easy to follow, even for a beginner like me. Thanks
Invited
The app is very simple to use
The app is very simple to use, I love that I can see my interest go up daily !
Invited
Excellent customer service
Excellent customer service and love having regular updates on my account
Invited
Great app and very impressed that my…
Great app and very impressed that my savings rate went up straight away after the Bank of England base rate change.
Invited
Clear easy site to navigate
Clear easy site to navigate. Pleasantly surprised that the savings interest rate was increased the same day the Bank of England announced that they were increasing it.
Invited
Happy with the app
I don’t hv tht much knowledge about the app but, so far, i am happy with its easy to use features. I haven’t tried other basic features yet; for example, partial money withdrawal when needed! Thank you.
Showing some of our positive client reviews
Our awards
Frequently asked questions
Who does automatic tax deduction apply to?
Automatic tax deduction applies only to German tax residents registered under Trading 212 EU.
Which accounts and transactions are covered by automatic tax deduction?
Automatic taxation covers all transactions in Invest and CFD accounts that generate capital gains. This includes:
- Selling stocks and ETFs
- Closing CFD positions
- Earning dividends
- Receiving interest on cash
- Credited overnight interest
Do I need to declare these taxes myself?
Generally, no. We automatically deduct all capital gains taxes and report them for you. However, individual tax situations vary. Please consult your tax advisor if you have questions.
What is an exemption order?
As a German tax resident, you have an annual tax-free allowance for capital gains (“Exemption Order”)
- Individuals: €1,000 per year
- Married couples / Registered civil partnerships: €2,000 per year
You can set up an exemption order directly in the tax overview. You can find more information here.
Which taxes apply to me?
If you are a German tax resident registered under Trading 212 EU, we automatically apply the following taxes:
- Capital gains tax: 25% of taxable gains
- Solidarity surcharge: 5.5% of the capital gains tax amount
- Church tax: 0%, 8% or 9% depending on your church membership and the state you live in
Will I receive an annual tax certificate?
Yes, you will find the annual tax certificate in the tax overview in the following year. We will let you know once it is ready.
How are my taxes calculated?
When you realise a profit from investing, we follow a specific order to determine your taxes.
- Calculate capital gains
We determine the profit using the FIFO method, considering any transaction fees and taxes.
- Apply partial exemptions (Teilfreistellung)
In some cases, a part of the profit is tax-exempt. This applies, for example, to ETFs that mainly invest in stocks. We apply these exemptions automatically.
- Offset with previous losses
We use the applicable losses in your loss pots to offset the remaining profits.
- Apply the exemption order
We use your remaining exemption order volume to reduce the taxable profit.
- Calculate the taxes
We apply the taxes (Capital Gains Tax, Solidarity Surcharge, and Church Tax if applicable) to the remaining taxable amount.
- Credit foreign withholding tax
We automatically apply the amount in your foreign withholding tax pot up to the legal limit to reduce your German capital gains tax.
Simplified example:
- You realise a profit of €100 from an ETF sell.
- This ETF has a 30% tax-exemption. €70 of profit remains.
- You have previously made a loss of €20 in the other offset pot. €50 of profit remains after offset.
- You have a €40 exemption order volume. €10 profit remains after applying the exemption order.
- We calculate the tax for the €10 profit and transfer it to the tax office.
We determine the profit using the FIFO method, considering any transaction fees and taxes.
In some cases, a part of the profit is tax-exempt. This applies, for example, to ETFs that mainly invest in stocks. We apply these exemptions automatically.
We use the applicable losses in your loss pots to offset the remaining profits.
We use your remaining exemption order volume to reduce the taxable profit.
We apply the taxes (Capital Gains Tax, Solidarity Surcharge, and Church Tax if applicable) to the remaining taxable amount.
We automatically apply the amount in your foreign withholding tax pot up to the legal limit to reduce your German capital gains tax.