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 are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 103,927 reviews on
Trustpilot
Rated 4.6 / 5 based on 103,927 reviews on
Trustpilot
Invited
Easy and simple to use
Easy and clear to use interface. Good rates. Easy to drop in and withdraw money.
Invited
App so easy to use and understand
App so easy to use and understand. Can check daily, watch my savings grow
Invited
For savings
I currently only use this platform for steady interest growth. The software is rock solid. Retrieving cash is seamless and quick.
Invited
Really easy to use
Really easy to use. Great Offers on interest with lots of different options.
Invited
Nice to see how I am gaining money…
Nice to see how I am gaining money rather than loosing it. Easy to navigate my account
Invited
A nice graphical interface
A nice graphical interface, easy use, I have recommended this app to others for the simplicity of using the app
Invited
Very easy app to use.
Very easy app to use. Good customer service. Good layout. All different groups.
Invited
Easy to use and pays decent interest on…
Easy to use and pays decent interest on a daily basis. Safe and secure, whats not to like?
Invited
Excellent app
Excellent app. Great savings account interest rate.
Invited
So easy to use especially the pies.
So easy to use especially the pies. The information back makes doing tax returns easy. I also like the great rate of interest as well on the general account.
Invited
Easy to use app and I’m making money
Easy to use app and I’m making money ! What’s not like
Invited
Good experience
I like knowing that I am making interest daily. I like the easiness of the app. Thanks!
Invited
The experience it s one of the best.
The experience it s one of the best.The trading 212 app made me to improve my investment decisions
Invited
Easy investment
I take an interest in my investments and enjoy make decisions on how to use my spare money using Trading 212
Invited
I searched for best ISA interest rates…
I searched for best ISA interest rates and Trading 212 came up. After checking their website I was happy to go ahead and open an ISA. Very easy to do and a smooth process. Very happy with the outcome 😊
Invited
Really easy to use
Really easy to use, especially as someone just starting out with investing.
Invited
Great trading platform
Great trading platform. All the essential tools are available, and everything you need - from research and planning to taking action - is at your fingertips.
Invited
As a Fist time investor
As a Fist time investor, very helpful, very understanding and lots of help and a device
Invited
I have 7 different broker apps
I have 7 different broker apps, and Trading 212 is the best!
Invited
Very easy to use and navigate the…
Very easy to use and navigate the app,buy and sell is easy to use and a wealth of information and news.brilliant app and trading platform.
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.