Trading 212 Minimum Deposit: What you need to know

How much do you need to start investing on Trading 212? If you're thinking about opening a Trading 212 account, and you’re wondering how much you need to get started, there’s good news. Trading 212 has some of the lowest minimum deposit requirements around. But there are a few things worth knowing about fees, base currencies and payment methods before you fund your account.

This guide covers the Trading 212 minimum deposit for every account type: Invest, Stocks ISA, Cash ISA and CFD. You’ll learn about deposit fees, withdrawal limits and how to actually get money into your account.

We’ll also share how with a Wise or Wise Business multi-currency account you can avoid losing money to high exchange rates when you send or withdraw money to and from Trading 212.

➡️ Learn more about the Wise personal account

💼 Learn more about Wise Business

The contents of this article is for informational purposes only and does not constitute legal or tax advice. Decisions related to tax should be made after thorough research, consultation and verification from a qualified financial and legal advisor.

Trading 212 minimum deposit by account type

Trading 212 offers four main account types, each with its own minimum deposit. Here's a quick summary:

For UK users with a GBP account, the Invest, Stocks ISA and Cash ISA minimum deposit works out to roughly £1. The CFD minimum is roughly £10. These are among the lowest in the industry — you don't need a large sum to start.

Trading 212 deposit fees: what you'll actually pay

Trading 212 doesn't charge deposit fees on everything, but it's not entirely free either. The fees depend on which payment method you use and which account type you have.⁵

For Invest, Stocks ISA and Cash ISA accounts:

A couple of things to note. The £2,000 free allowance for card and digital wallet deposits is cumulative. It doesn't reset.⁵ Once you've deposited a total of £2,000 via these methods across the lifetime of your Invest or ISA account, every subsequent card deposit will incur the 0.7% fee.

Bank transfers, on the other hand, are always free with no cap. That includes both standard bank transfers and instant bank transfers via Open Banking.⁵

How to avoid the 0.7% deposit fee on Trading 212

This is one of the most common questions people have about Trading 212. The 0.7% fee only kicks in when you've deposited more than £2,000 cumulatively using a debit card, Google Pay, Apple Pay or similar digital payment methods.⁵

The simplest way to avoid it is to use a bank transfer or an instant bank transfer instead. These remain free no matter how much you deposit.⁵

If you're in the UK, instant bank transfers through Open Banking are particularly convenient. They're processed within the Trading 212 app, and funds typically arrive in seconds.⁶ You just authenticate the payment through your banking app.

Standard bank transfers work too, though they may take 1-3 business days to arrive.⁷ Either way, no fee.

One more thing. The 0.7% fee covers the costs that payment processors and card companies charge Trading 212¹. It's not something they apply to CFD accounts, so if you're using a CFD account, all deposit methods remain free.⁴

Is Trading 212 truly fee-free?

Trading 212 offers commission-free stock and ETF trading. But "commission-free" doesn't mean there are no costs at all. Here's a breakdown of the fees you might encounter:

On top of these, there are government-imposed taxes and levies that apply regardless of which platform you use¹:

• UK stamp duty — 0.5% when buying UK shares
• PTM levy — £1.50 when buying or selling UK shares worth over £10,000
• French Financial Transactions Tax — 0.4% when buying certain French shares
• FINRA fee — $0.000195 per share when selling US shares

The FX fee is probably the one that catches people off guard. Every time you trade a stock denominated in a currency other than your account's base currency, Trading 212 charges 0.15%¹ (or 0.5% for CFD on results only)⁴ for the conversion. If you're a UK investor buying US stocks in USD, that fee applies on both the buy and the sell.

You could reduce or avoid FX fees by using Trading 212's own multi-currency feature, which lets you hold multiple currencies within your account.⁹

Trading 212 base currencies

When you create a Trading 212 account, you'll be asked to choose a base currency.¹⁰ This is the default currency your account operates in, and it affects the FX fees you'll pay when trading.

The available base currencies may vary depending on your region, but for UK and European users, Trading 212 typically offers¹⁰:

• GBP
• USD
• EUR
• CAD
• CHF
• DKK
• NOK
• PLN
• SEK
• CZK
• RON
• HUF

Choose carefully, you can't change your base currency after setting up your account without closing and reopening your account.¹⁰

The general rule of thumb: pick the currency you'll trade in most. If you're a UK investor who mainly buys US stocks, you might consider setting your base currency to USD to avoid the 0.15% FX fee on every trade. But if you deposit in GBP and your account is in USD, you'll pay the FX fee on the deposit instead.

There's no way to completely avoid FX fees if you're trading across multiple currencies. But you can minimise them by choosing the right base currency.

How to make a Trading 212 deposit

Here are the accepted payment methods to find your Trading 212 account ¹¹:

• Apple Pay
• Blik
• Bank transfer (standard)
• Carte Bleue
• Debit card
• Direct eBanking
• Google Pay
• iDEAL
• Instant bank transfer (Open Banking
• OnlineBankingPL

A few things to be aware of¹,¹⁰:

• Credit cards are not accepted by Trading 212 UK Ltd. If you attempt a credit card payment, the funds will be returned, though your card provider may still charge a fee for the attempted transaction.
• Cash ISA accounts only accept bank transfers and instant bank transfers. Card and digital wallet payments aren't available for this account type.
• Not all payment methods are available in every region. The options you see will depend on your country.

Processing times vary by method.⁷ Card payments and digital wallets are typically near-instant. Instant bank transfers via Open Banking are usually processed in seconds. Standard bank transfers may take 1–3 business days.

Trading 212 minimum withdrawal amount

Along with minimum deposits, Trading 212 sets minimum withdrawal amounts for each account type:

Trading 212 doesn't charge any fees for withdrawals.¹ However, third-party banks or payment processors may apply their own charges that are outside Trading 212's control.

Withdrawals are typically processed within 1-3 business days, depending on the method you use.

Why can't I take my money out of Trading 212?

If you're having trouble withdrawing funds from Trading 212, there are a few common reasons:

• Unsettled funds. After you sell shares, the proceeds may take 1-2 business days to settle (this is standard across the industry. It's called the settlement cycle). Until the funds settle, they may not be available for withdrawal.
• Pending deposits. If you've recently deposited money, there may be a short hold period before you can withdraw it. This is a security measure.
• Incomplete verification. If your identity or address hasn't been fully verified, Trading 212 may restrict withdrawals until the process is complete.
• Below the minimum. You need at least €1 (or €10 for CFD⁴) to make a withdrawal.¹
• Account under review. In rare cases, accounts may be temporarily restricted for compliance or security reasons.

If none of these apply and you're still unable to withdraw, your next step is to contact Trading 212's customer support. They offer live chat and email support through the app and website.

Manage your trading currencies with Wise

If you trade stocks in multiple currencies, say USD, EUR and GBP, you might find it useful to have a multi-currency account for managing your money outside of your brokerage.

The Wise account lets you hold and convert 40+ currencies. You get local account details in several countries, which could be handy for sending or receiving money internationally. Currency conversions use the mid-market exchange rate, plus a small, transparent fee.

Here's how it could work alongside Trading 212:

• Hold GBP, USD and EUR in one place
• Convert between currencies when the rate suits you
• Fund your Trading 212 account via bank transfer (free on both sides)
• Receive withdrawals from Trading 212 into your Wise account

It won't replace Trading 212's built-in multi-currency feature for trading, but it could be a useful companion for managing your money more broadly.

Sign up to Wise Personal ✅

Need business account capabilities? Wise Business features include:

• No monthly fees
• Connect and sync every business transaction to your favourite accounting software, including Xero, Quickbooks, and more
• Batch payments for up to 1,000 employees worldwide
• Business debit cards with 0.5% cashback
• Receive payments like a local with major currency account details
• Automate payouts with the powerful Wise Business API.
• Make your money work harder, with Wise Interest (capital at risk, growth not guaranteed)

Register with Wise Business 🚀

Investments can fluctuate, and your capital is at risk. Interest is offered by Wise Assets UK Ltd, a subsidiary of Wise Payments Ltd. Wise Assets UK Ltd is authorised and regulated by the Financial Conduct Authority with registration number 839689. When facilitating access to Wise investment products, Wise Payments Ltd acts as an Introducer Appointed Representative of Wise Assets UK Ltd. Please be aware that we do not offer investment advice, and you may be liable for taxes on any earnings. If you're uncertain, we urge you to seek professional advice. To find out more about the Funds, visit our website.

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*Disclaimer: The UK Wise Business pricing structure is changing with effect from 26/11/2025 date. Receiving money, direct debits and getting paid features are not available with the Essential Plan which you can open for free. Pay a one-time set up fee of £50 to unlock Advanced features including account details to receive payments in 22+ currencies or 8+ currencies for non-swift payments. You’ll also get access to our invoice generating tool, payment links, QuickPay QR codes and the ability to set up direct debits all within one account. Please check our website for the latest pricing information.

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Sources used:

1. Trading 212 — Terms and fees: Invest accounts
2. Trading 212 — Terms and fees: Stocks ISA accounts
3. Trading 212 — Terms and fees: Cash ISA accounts
4. Trading 212 — Terms and fees: CFD accounts
5. Trading 212 Help Centre — What are the fees for funding my account?
6. Trading 212 Help Centre — Instant Bank Transfer (Open Banking Deposits)
7. Trading 212 Help Centre — How long does it take to deposit?
8. Trading 212Help Centre – Is there an inactivity fee?
9. Trading 212 Help Centre — What is a multi-currency account?
10. Trading 212 Help Centre — How do I select my Trading 212 account currency?
11. Trading 212 Help Centre — What payment methods do you accept?

Sources checked 4 March 2026.