Is Trading 212 safe?
Trading 212 is regulated by FCA (609146) and 1 more authority, keeps client funds in segregated accounts, and clients are covered by FSCS (£85,000).
Verdict based on verified regulatory data below. We are not affiliated with regulators.
Who regulates Trading 212
Licenses held, with registry numbers where public
Why this broker scores 83/100
Full methodology →⚠ 1 axis accounts for 7 of 17 lost points
How safe is your money
Segregated client accounts
Client funds held separately from operating capital. Required by regulator.
Investor compensation: FSCS (£85,000)
If broker becomes insolvent, your covered assets are reimbursed up to the scheme's limit.
Not a publicly traded company
Private — financials are not disclosed publicly.
22 years of operations
Founded 2004. No major regulatory actions on record.
Negative balance protection
You cannot lose more than your account balance.
CFD/crypto exposure
Offers high-leverage products. 74–89% of retail CFD accounts lose money in the long run.
Independent reviews
What could go wrong
- Not available in CIS countries — UK and EU residents onlyTrading 212 does not accept clients from Kazakhstan, Ukraine, Georgia, Turkey, Belarus or Uzbekistan. CIS investors should consider eToro (broad CIS) or XTB (UA and GE available).
- 0.15% FX conversion on each trade when currencies mismatchIf your account is in GBP and you buy USD-denominated stocks, a 0.15% FX fee applies. At 10 × £500 US trades per month that's £7.50 — low, but not zero.
- CFD product exists alongside Invest — potential for confusionNew users might accidentally open a CFD account (leveraged derivatives) instead of the Invest account (real shares). UI separates them clearly, but the parallel product creates risk.
Frequently asked questions
Is Trading 212 regulated?
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What happens if Trading 212 goes bankrupt?
How we verified this review
Every fact below is verified against primary sources. We refresh on a schedule and on reader feedback.