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
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All stats are global. The clients figure refers to lifetime funded accounts.
Excellent
Rated 4.6 / 5 based on 100,414 reviews on
Trustpilot
Rated 4.6 / 5 based on 100,414 reviews on
Trustpilot
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Good platform
Good platform. Easy to use. Very happy
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Good platform to trade
Nice app .fast transaction and fast deposit and withdrawal done
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Easy to access and deposit money, very good interest rates.
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Easy and informative to use good live…
Easy and informative to use good live chat Great for people new to dealing in stocks and shares
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Easy to use
This app runs in the background reminding you how much interest you have made
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Simple, clear & valuable!
Easy to set up, great interest rate and great comms
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I absolutely love Trading212!!!
I absolutely love Trading212. I use multiple products on the one platform to make money. It does what it says on the tin. No frills investing. Some of the other apps (i.e. HL) take too much profit from you for no reason. This is a fair way to invest and the community can teach you things that would normally take years to learn. I will always be a loyal fan!
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Great app keeps me updated and easy to use for payments and information
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Safe, simple saving. So far everything has worked perfectly
So far everything has worked perfectly, the app always works as expected.
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Free money
Such an easy way to get a little extra money. So easy to use and understand.
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The fact that you can withdraw your money anytime you want without no delay make it a great one for me
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Out of all the investment platforms out…
Out of all the investment platforms out there, trading212 is the most immersive and diverse platform out there to help invest and diversify your portfolio
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Easy to use app. Good interest rate on my ISA
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Easy to use and rewarding to see how investment grows daily.
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Amazing interest and kept upto date all the time
Everything is so easy to see and watching the interest grow is fabulous
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Simple to use and great interest rate
Useful info provided. Encouraging updates about how much interest I’m making. Easy to deposit money
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The experience has been positive
The experience has been positive, I've made much more than if the money was in a bank.
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Layout easy to understand and plenty of information and help available.
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Seamless transfer of funds in and out of account. Easy to use app showing daily and weekly interest. 5*
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Trading212 is one of the best investing…
Trading212 is one of the best investing platforms I have found and would recommend to anyone
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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.