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 105,949 reviews on
Trustpilot
Rated 4.6 / 5 based on 105,949 reviews on
Trustpilot
Invited
Easy to use app
Easy to use app, simple processes, good rate of return and regular updates on interest earned.
Invited
Quick and easy
I found that it was quick and easy to open an account; transfer funds in and out, best of all, to sit back and watch the monies increase. I would recommend Trading 212
Invited
App is easy to use
The savings product i have has a good rate of return and I get daily updates. App is really easy to use
Invited
212 has been a good discovery 6 years ago
212 has been a good discovery. Excellent platform for investment, secure and user friendly. Very good interest rate and good ISA
Invited
Love it
Love it. Simple for a complete beginner to navigate. Perfect!
Invited
The best app around
The best app around, so easy to use and navigate… makes investing easy.
Invited
Easy access to transfer money.
Easy access to transfer money. Daily updates regarding interest.
Invited
Great platform
Great platform, easy to navigate and buy/sell. Good statements are available.
Invited
Trading 212 is very transparent
Trading 212 is very transparent, open and clear with their activities. No outrageous deductions or charges. I recommend it for everyone interested in investment
Invited
Good and efficient
Good and easy to use with lots of products and investment options
Invited
Really good once you understand
Really good after you "invest" time in learning how everything works. Love how it makes you take a test to understand. So that you are not that naive to trading
Fantastic app & UI
Trading 212 is my favourite trading app. The UI is very smooth, you can get detailed insights and everything is laid out simply to see your positions and profit/loss. Furthermore, they have a 24/7 support to help with anything and they release earnings reports quickly and informatively. I would reccomend using it whether you’re experienced or a beginner!
Invited
Excellent choice of broker
Great features and nonexistant fees. What else could you possibly ask for?
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The Trading &Information Hub of Choice
I’ve been using trading platforms such as 212 for a number of years and whilst I have tried others, I always come back to T212. It’s much more than just a trading platform and what it does, it does so well. Deposits and withdrawals are very quick and efficient, which is as pleasing as it is reassuring. Nothing seems to take very long at all. As an information hub is really where 212 scores and the amount of free information available is off the scale. I really appreciate the work they put into making this easy to access. I would certainly recommend anyone starting out to give 212 a go but be warned, you may find it quite hard to leave as you will probably always want to return.
Invited
GREAT APP
GREAT APP SUPER EASY TO USE HAVE USED IT FOR A YEAR AND HAVE ABSOLUTELY NO COMPLAINTS SO FAR
Invited
Quick and friendly service from support staff.
Email communications are answered quickly, accurately and politely. The support staff make me feel that they are keen to help. Their app is fast, packed with useful information and is easy to navigate.
Invited
It took me a while to get into buying…
It took me a while to get into buying stocks and shares but Trading 212 makes it much easier.
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I like the way they make setting up…
I like the way they make setting up simple to understand and get on with trading
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Very easy app to get around
Very easy app to get around. Fast process to open an account, excellent overall experience.
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The app is easy to use and you can…
The app is easy to use and you can transfer money in or out with ease.
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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.