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
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All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 102,108 reviews on
Trustpilot
Rated 4.6 / 5 based on 102,108 reviews on
Trustpilot
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Much better for Sipps than the rest
Much better for Sipps than the rest, more choice, Lower commission. 👏
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Great easy to use app.
Great easy to use app.. well laid out
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Fabulous app to keep track of investment
Fabulous app to keep track of investment
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The app is simple to use,easy access to…
The app is simple to use,easy access to your money every time ,so easy to add or withdraw your funds
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Trading 212 is an amazing app to trade…
Trading 212 is an amazing app to trade with. The interface is effortlessly easy to navigate and understand. Thank you for all that you do, the services and security tips on how to keep our account safe and secured.
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Great app
Great app, all investments under 1 roof, app is super user friendly and helps beginners get into trading! Started 10 Years ago and haven’t moved off the app!
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Great app
Keeps me in control with easy access and a fantastic choice for building wealth
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Easy to set up an account online.
Easy to set up an account online. Daily updates on interest earned. Good rate for an ISA
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Intuitive app
Intuitive app, easy for beginner and more advanced
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So easy to use and navigate
So easy to use and navigate. Can put £1 a time in, doesn't have to be £1000's in one go.
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great for savings
great for savings, easy to use paying or payout good interest rate very stable android app too
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Easy to use and good guidance and…
Easy to use and good guidance and explanations of your options.
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Savings
Easy to use account and kept up to date with everything
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Excellent service
Excellent service, kept up to date daily.
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Awesome app that just works like magic.
Awesome app that just works like magic.
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I love the interest updates
I love the interest updates. Everything is transparent
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Very nice
Easy to use. Fast and transparent
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Great experience.
The app is very easy to use. I get updates every day on how much interest I have accrued. The interest rate I am receiving is excellent.
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Easy to manage your funds
Easy to manage your funds, and a real steady growth of your wealth.
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Easy to use
Easy to use, watching my interest grow daily
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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.