Updated September 29, 2026 · SumCue Editorial Team
eToro vs Trading 212
eToro
Trading 212
Higher score in this comparison
eToro vs Trading 212: the differences
| Compare | eToroReviewVisitVisit | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | $1 to $10,000 | £1 |
| Stock trade fee | $0 | £0 |
| Account fee | $0 | £0 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, FuturesCovers more | Stocks, ETFs, Forex, CFDs |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA | ISA, SIPP, JointCovers more |
| Inactivity fee | Not confirmed | £0 |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
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Key differences
- Trading 212 scores higher overall: 9.3 vs 9.2.
- Regulators: only eToro offers SIPC.
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission.
- Founded is lower at Trading 212: 2006 vs 2007.
- Markets: only eToro offers Crypto, Futures.
- Account types: only Trading 212 offers SIPP, Joint.
- Features: only eToro offers Crypto, Copy trading.
Our verdict on each
eToro
eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.
Trading 212
Trading 212 suits UK beginners who want to start small and pay nothing to hold or trade. Stock trades cost £0, the account fee is £0, deposits start at £1, and help runs through help centre only, with no phone or chat route for anyone who needs a person.
Score breakdown
| Area | eToro | Trading 212 |
|---|---|---|
| Cost | 9.3Account fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee. | 9.3Stock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 8.8 | 8.9Higher |
| Trust | 9.2 | 9.4Higher |
Side by side, item by item
| Markets | eToro | Trading 212 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | Yes |
| CFDs | Yes | Yes |
| Futures | Yes | No |
| Crypto | Yes | No |
| Account types | eToro | Trading 212 |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Joint | No | Yes |
What we checked
eToro
- etoro.com: 10 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- helpcentre.trading212.com: 1 fact, checked September 26, 2026
How they place
| Ranking | eToro | Trading 212 |
|---|---|---|
| Savings | 4 of 1492 | 241 of 1492 |
| Savings accounts | 3 of 658 | 166 of 658 |
| Investing | 5 of 654 | 110 of 654 |
| Stock and ETF brokers | 4 of 358 | 75 of 358 |
| Forex brokers | 4 of 147 | 33 of 147 |
| Stocks and shares ISAs | 1 of 25 | 4 of 25 |
Every fact side by side
| Fact | eToro | Trading 212 |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile appCovers more | Fractional shares, Demo account, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | eToro (Europe) Ltd | Trading 212 Markets Ltd |
| Headquarters | Cyprus | Cyprus |
| Founded | 2007 | 2006Lower |
| Support channels | Help centre | Help centre |
Crypto exchanges
| Fact | eToro | Trading 212 |
|---|---|---|
| Taker fee | 1% | Not confirmed |
| Coins listed | from 150 | Not confirmed |
| Fiat deposit methods | Card, Bank | Not confirmed |
| Withdrawal fee | $5 flat fee | Not confirmed |
| Derivatives | Yes | Not confirmed |
| Exchange type | Cex | Not confirmed |
Savings
| Fact | eToro | Trading 212 |
|---|---|---|
| Headline rate | 3.8% | Not confirmed |
| Rate type | Variable | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Interest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthly | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Monthly fee | $0 | Not confirmed |
| Account kind | Cash management | ISA |
Robo-advisors
| Fact | eToro | Trading 212 |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $500 | Not confirmed |
| Portfolio types | ETF, ESG, Cash, Crypto | Not confirmed |
Crypto wallets
| Fact | eToro | Trading 212 |
|---|---|---|
| Wallet type | Mobile | Not confirmed |
| Custody | Custodial | Not confirmed |
Pros and cons
eToro
Pros
- Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
- Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
- Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.
Cons
- Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
- Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
- Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.
Trading 212
Pros
- Stock trades cost £0 and the account fee is £0, so holding a portfolio costs nothing
- The inactivity fee is £0, so a dormant account is not quietly charged
- The minimum deposit is £1, far below the €10 bunq asks
Cons
- Support runs on help centre only, so there is no live phone or chat route
- Trading 212 Markets Ltd is authorised by the Cyprus Securities and Exchange Commission on MiCA CASP 21380045KC28948FNE32, so the Financial Conduct Authority is not the only supervisor involved
- Markets cover stocks, etfs and forex, which leaves funds, bonds and options outside the range offered here
Who each suits
eToro
Who it suits
- New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
- Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
- UK savers who want a tax wrapper, since an ISA sits among the isa on offer.
Who should look elsewhere
- bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
- CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
- Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.
Trading 212
Who it suits
- Beginners opening a first UK investing account
- Savers who want tax-free cash in a flexible Cash ISA
- Small regular investors using fractional shares in small amounts
Who should look elsewhere
- Anyone who wants a phone line, since support runs on help centre only
- Readers wanting a lower entry amount than £1, since CFI asks $0
Questions about each
eToro
What does eToro charge to open and run an account?+
The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.
Is my money protected at eToro?+
eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.
Trading 212
How much does it cost to open and hold an account?+
The account fee is £0 and the stock trade fee is £0, so there is no charge to hold or to trade. It ranks 1 of 142 on account fee in our data. The only other cost line recorded is the inactivity fee at £0.
What is the smallest amount I can start with?+
The minimum deposit is £1, which puts the entry point low. That ranks 83 of 218 on our minimum deposit data. For comparison, bunq asks a minimum deposit of €10, so Trading 212 asks less of a first deposit than bunq does.
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eToro
Trading 212