Trading 212 Fee Calculator: Your Real Annual Cost
Use this free calculator to estimate what Trading 212 will actually cost you per year. Trading 212 charges no commission on stocks and ETFs, no withdrawal fee and no inactivity fee — its one recurring trading cost is the 0.15% currency-conversion fee on foreign-currency assets. Enter your trading pattern and compare it against rival platforms, using fee data verified 17 August 2026.
Reviewed by Yaniv Barshaf, CPA · Fees verified 17 August 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.
What will each broker actually cost you?
Enter the portfolio you actually hold. We calculate every charge — dealing commission, platform and custody fees, subscriptions, FX, dividend and withdrawal fees — and rank the brokers by what you would really pay.
On a £10,000 portfolio with 12 trades a year, the cheapest option is InvestEngine at £0.00/year. The most expensive charges £188/year.
Choosing the cheapest saves £188 a year — and £940 over five years, once you account for the growth those fees never earned.
Trading 212 would cost you £1.50/year on this portfolio — rank 4 of 15, £1.50 more than InvestEngine.
| Broker | Plan | Per year | Over 5 years | Actions |
|---|---|---|---|---|
| InvestEngineCheapest | DIY portfolio | £0.00 | £0.00 | |
| Robinhood | Robinhood UK | £1.00 | £5.52 | |
| Lightyear | UK GIA / ISA | £1.00 | £5.52 | |
| Trading 212 | Invest account | £1.50 | £8.29 | |
| Webull | Webull Go (UK) | £5.00 | £28 | |
| Revolut | Standard plan | £5.00 | £28 | |
| XTB | XTB account | £5.00 | £28 | |
| Freetrade | Basic (free) | £9.90 | £55 | |
| eToro | eToro account | £11 | £61 | |
| Interactive Brokers(we earn nothing from this platform) | IBKR Fixed pricing | £36 | £182 | |
| Vanguard UK(we earn nothing from this platform) | Vanguard account | £48 | £240 | |
| AJ Bell(we earn nothing from this platform) | AJ Bell account | £93 | £476 | |
| interactive investor(we earn nothing from this platform) | Core (£5.99/mo) | £127 | £639 | |
| Hargreaves Lansdown(we earn nothing from this platform) | HL account | £128 | £659 | |
| Fidelity(we earn nothing from this platform) | Fidelity account | £188 | £940 |
What five years of fees adds up to
Includes the growth those fees would have earned had they stayed invested.
- InvestEngine£0.00
- Robinhood£5.52
- Lightyear£5.52
- Trading 212£8.29
- Webull£28
Estimates only, based on each broker's published fee schedule as verified on 17 August 2026. Fund ongoing charges are shown separately because they are paid to the fund manager and are the same whichever broker you use. Fees quoted in another currency are converted at a fixed reference rate so that every figure on this site is reproducible. See our methodology. Capital at risk. This is not financial advice. Investing involves risk of loss.
How the Trading 212 calculation works
Trading 212's cost model is unusually simple, which is why it tops so many low-cost rankings. Stocks and ETFs trade commission-free, withdrawals are free, and there is no inactivity fee — so for a GBP investor buying UK assets, the estimated annual cost is close to zero. The one recurring charge the calculator applies is the 0.15% FX fee, triggered when you buy assets priced in another currency (most commonly US stocks) and again when you convert back. Tick the currency-conversion option if that describes you. One cost the calculator does not model: card and e-wallet deposits above a €2,000 lifetime threshold incur a 0.7% deposit fee — fund by bank transfer and it never applies. Figures verified 17 August 2026. Capital at risk.
What Trading 212's low fees don't tell you
On running costs, Trading 212 is at or near the bottom of the market — the calculator will show it winning most profiles. The trade-offs sit elsewhere: research and analytics are lighter than XTB's xStation, there is no copy trading like eToro, and market range is narrower than larger brokerages. For UK investors it adds a genuinely free Stocks and Shares ISA, which no rival in our comparison matches at this price, plus fractional shares from £1 and automated Pies. If the calculator shows only a small annual difference versus a platform whose features you prefer, the features may be worth it; if the gap is large and you mainly buy and hold, the maths favours Trading 212.
Frequently Asked Questions
What fees does Trading 212 actually charge?
As of 17 August 2026: zero commission on stocks and ETFs, a 0.15% currency-conversion fee on foreign-currency trades, free withdrawals, no inactivity fee, and a 0.7% deposit fee only on card/e-wallet deposits beyond a €2,000 lifetime threshold — bank transfers are always free.
Is Trading 212 really the cheapest broker?
For most everyday UK and EU profiles, yes — its 0.15% FX fee is among the lowest and everything else is free. Run your own numbers in the calculator: for US-only investors, commission-free US brokers with no FX fee can match or beat it.
Does the calculator include the ISA?
The Trading 212 Stocks and Shares ISA is free to open and hold, so it adds nothing to the annual cost shown. The same fee structure — 0% commission and the 0.15% FX fee — applies inside the ISA wrapper. Tax treatment depends on individual circumstances.