Fees & Commissions · 2026
Trading 212 Fees & Commissions 2026
A full breakdown of Trading 212's spreads, commissions, swap rates, deposit/withdrawal fees, inactivity charges, and currency conversion costs.
ESMA Risk Warning
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Quick Answer
Trading 212 fees: EUR/USD spreads from 0.9 pips average; commissions None (spread-only on CFDs, zero commission on stocks/ETFs); withdrawal fees Free; minimum deposit €1. Fees score: 9.2/10.
Spreads at Trading 212
Per-account-type spreads on EUR/USD, verified April 2026.
EUR/USD: 0.9 pips average
Trading 212 offers 3 account types: Invest, CFD, ISA (UK only). Spreads on minor pairs, exotic pairs, and CFD instruments are wider than major-pair spreads shown here. Check the broker's live platform data for real-time pricing during your preferred trading session.
Commissions
Per-trade commissions charged on ECN/Raw accounts.
Commission: None (spread-only on CFDs, zero commission on stocks/ETFs)
Raw spread accounts typically charge per-lot commissions alongside tighter spreads, while Standard accounts embed all costs in a slightly wider spread. For active traders, the all-in cost (spread + commission) is what matters, not the headline spread alone.
Swap Rates & Overnight Financing
Interest charges applied to positions held past 5pm NY time.
Trading 212 applies standard overnight swap rates based on prevailing interbank interest rate differentials. Swap-free accounts are not offered. Swaps can be positive (credit) or negative (charge) depending on the direction of the trade and the interest rate differential between the two currencies in the pair. On Wednesdays, swap is typically charged at triple rate to cover the weekend.
Deposit & Withdrawal Fees
Funding and withdrawal costs at Trading 212.
Deposit Methods
Bank Transfer, Credit/Debit Card, Apple Pay, Google Pay, PayPal, Skrill, iDEAL, Sofort
Deposits are typically free; payment provider fees may apply at the provider's end.
Withdrawal Fees
Free
Intermediary bank fees may apply on international transfers.
Inactivity Fee
Most FCA-regulated brokers apply an inactivity fee after 6-12 months of no trading activity, typically 5-10 EUR per month. Check Trading 212's fee schedule during onboarding to confirm the exact trigger period and amount. If you do not plan to trade actively, a broker with no inactivity fee is worth considering.
Currency Conversion
Trading 212 supports account base currencies including EUR among others. Deposits in a currency different from your account base currency incur conversion fees, typically 0.5% to 1% above the interbank rate. EU traders should open an EUR-denominated account where possible to avoid ongoing conversion costs.
Cost Calculator Example
What 10 standard lots of EUR/USD per month costs at Trading 212.
Trading 10 lots of EUR/USD per month costs approximately $90.00 at Trading 212, based on the lowest published spread of 0.90 pips and commission of $0.00 per side. This translates to roughly $9.00 per standard lot round-turn at current pricing.
Calculation: (0.90 pips × $10 per pip + $0.00 commission round-trip) × 10 lots. Actual costs vary with session timing, volatility, and slippage.
Cheaper Alternatives to Trading 212
EU-regulated brokers with a better fees score than Trading 212.
Frequently Asked Questions
What fees does Trading 212 charge?
Does Trading 212 charge commission on trades?
What is the total cost of trading with Trading 212?
Does Trading 212 have an inactivity fee?
Are there withdrawal fees at Trading 212?
Is Trading 212 cheap for scalpers and active traders?
Ready to trade with Trading 212?
Read the full review or open a live account directly.
CFD Risk Warning
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
This website is for informational purposes only. The content does not constitute investment advice. Trading leveraged products carries a high level of risk and may not be suitable for all investors. Past performance is not indicative of future results. EU retail leverage limits apply (ESMA): up to 30:1 on major FX pairs, 20:1 on minor FX, 20:1 on major indices, 10:1 on commodities, 5:1 on equities, 2:1 on crypto.