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
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All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 95,757 reviews on
Trustpilot
Rated 4.6 / 5 based on 95,757 reviews on
Trustpilot
Invited
Simple and easy to use
Simple and easy to use. Nice to see the daily interest added on as well.
Invited
Best platform for ISAs of all kinds
I have both stock and share and cash ISA with T212. The platform is a breeze to use, transactions within the accounts and between internal and external accounts are a breeze.
Invited
Very good app
Very good app. Easy to see the status of my savings and interest. Feel like they’re responsible well run company
Invited
Great starting interest rate making this a fantastic way to save coupled with an intuitive and easy to use app interface making saving easy to understand
Great starting interest rate making this a fantastic way to save
Invited
Great from start to finish
My account was set up and the funds transferred seamlessly.
Invited
They offer a slick service although I…
They offer a slick service although I could have done with some instructions on how to navigate their app but maybe that’s just me.
Invited
Easy to track my cash ISA
Easy to track my cash ISA - daily updates on interest. Great intro deal on ISA interest.
Invited
Competitive interest rates easy to…
Competitive interest rates easy to access website and pay out efficient and quick. All in all convenient company to deal with. Very satisfied.
Invited
The Cash ISA is easy to use
The Cash ISA is easy to use, simple to add and withdraw funds any time and I haven't had any issues since opening the account.
Invited
Just love it
Just love it, have done from day one ! Wish I had this forty years ago, might be a millionaire by now,😂😂
Invited
Very prompt and helpful advice from…
Very prompt and helpful advice from online staff with any issues.
Invited
Great user experience
Great interface, love the detail shown about where you money is invested and very easy to add funds or move funds
Invited
Prudence facilitation. Thanks
Great app. Encouraging money management and genral financial wisdom and knowledge. Thanks
Invited
Be smart with money
Great interest rates, reliable access which is amazing
Invited
Easy to deposit
Easy to deposit, acct updates quickly, monthly interest, easy access
Invited
Convenient and responsive App and great…
Convenient and responsive App and great interest ratea
Invited
Very easy to track what is happening…
Very easy to track what is happening with your investment. Website easy to negotiate on initial set up and the app has all the info you need. Interest rate good for 1st year, I’ll see what is available after that.
Invited
Really easy and simple to use and quick…
Really easy and simple to use and quick transfers when needed
Invited
Seamless performance and user-friendly…
Seamless performance and user-friendly interface. Would definitely recommend to those who are planning to start their investing journey.
Invited
Simple & Easy
I find the app very easy to use. Very simple. Would reccomend this way of saving to others.
Showing some of our positive client reviews
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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.