Trading 212 vs InvestEngine: Which Is Better in 2026?
Choosing between Trading 212 and InvestEngine? Here is the short answer, then the full breakdown on fees, features, and who each one is best for.
Reviewed by Yaniv Barshaf · Fees verified June 2026 · Our methodology
Disclosure: FeesWizard may earn a commission if you open an account through links on this page. This never affects our fee data or rankings — how we make money.
Best overall: Trading 212
The two cheapest mainstream UK platforms, split by scope. Trading 212 offers stocks and ETFs with 0% commission and a low 0.15% FX fee; InvestEngine is ETF-only but takes cost to zero — no platform fee, no dealing commission, and no FX fee at all since its ETFs are GBP-priced. Both include a free ISA; InvestEngine adds a free SIPP. Pure ETF investors save most with InvestEngine; anyone who also wants individual shares should take Trading 212.
- Best for beginners: Trading 212
- Best for low fees: Trading 212
- Best for advanced: InvestEngine
Capital at risk. This is not financial advice. Investing involves risk of loss.
Trading 212 vs InvestEngine at a glance
| Feature | Trading 212 | InvestEngine |
|---|---|---|
| Rating | 4.4 / 5 | 4.4 / 5 |
| Stock commission | 0% | £0 dealing commission on all ETFs (DIY portfolios); no platform fee |
| Withdrawal fee | Free | Free — no withdrawal fee |
| Inactivity fee | None | None |
| Min deposit | $1 | $100 |
| Fractional shares | Yes | Yes |
| Demo account | Yes | No |
| Regulators | FCA, CySEC | FCA |
Pros and cons
Trading 212
Pros
- +Truly commission-free, no withdrawal fee
- +Low 0.15% FX fee
- +Stocks & Shares ISA for UK investors
- +Fractional shares from £1
Cons
- −Fewer markets than Interactive Brokers
- −No advanced research tools
- −Account approval can be selective
InvestEngine
Pros
- +Zero platform fee and zero dealing commission on DIY portfolios
- +No FX fee — all ETFs are priced in GBP
- +Free ISA and free SIPP, plus fractional ETF investing and AutoInvest
- +No withdrawal or inactivity fees
Cons
- −ETFs only — no individual stocks
- −£100 minimum to open a portfolio
- −Managed Portfolios (0.25%/yr) are currently closed to new clients
Trading 212
Best for low fees and UK investors
Capital at risk. This is not financial advice. Investing involves risk of loss.
Frequently Asked Questions
Is Trading 212 or InvestEngine cheaper?
Trading 212 charges Free for withdrawals, while InvestEngine charges Free — no withdrawal fee. Stock commission is 0% on Trading 212 and £0 dealing commission on all ETFs (DIY portfolios); no platform fee on InvestEngine. Your real cost depends on how often you trade and withdraw.
Is Trading 212 safe?
Trading 212 is regulated by FCA, CySEC. Regulation does not remove investment risk, but it means client funds are subject to oversight in those jurisdictions.
Which is better for beginners, Trading 212 or InvestEngine?
Trading 212 is generally the more beginner-friendly option thanks to a simpler interface and lower barriers to entry.
Trading 212
Best for low fees and UK investors
Capital at risk. This is not financial advice. Investing involves risk of loss.