Updated October 18, 2026 · SumCue Editorial Team
ii vs Trading 212
ii
Trading 212
Higher score in this comparison
ii vs Trading 212: the differences
| Compare | iiReviewSee alternativesSee alternatives | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £1 |
| Stock trade fee | £3.99 | £0Lower |
| Account fee | £71.88 | £0Lower |
| Markets | Stocks, ETFs, Funds, Bonds | Stocks, ETFs, Forex, CFDs |
| Regulators | Financial Conduct Authority | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC)Covers more |
| Platforms | Mobile app | Trading 212 App, Web Platform |
| Account types | ISA, SIPP, Jisa, JointCovers more | ISA, SIPP, Joint |
| Inactivity fee | Not confirmed | £0 |
| Currency conversion fee | 0.75% | Not confirmed |
| Deposit and withdrawal fees | Free transfers in/out; free next-day withdrawals, GBP15 same-day | Not confirmed |
| Interest on cash | 0.8% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- Trading 212 scores higher overall: 9.3 vs 8.6.
- Regulators: only Trading 212 offers Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Trading 212 is licensed in 1 more country.
- Minimum deposit is lower at ii: £0 vs £1.
- Stock trade fee is lower at Trading 212: £0 vs £3.99.
- Account fee is lower at Trading 212: £0 vs £71.88.
- Markets: only ii offers Funds, Bonds.
- Markets: only Trading 212 offers Forex, CFDs.
- Platforms: only ii offers Mobile app.
- Platforms: only Trading 212 offers Trading 212 App, Web Platform.
Our verdict on each
ii
ii suits investors who want tax efficient and family accounts with ISA, SIPP and jisa alongside stocks, ETFs and funds through Mobile app. Stock trades cost £3.99 and the account fee is £71.88, so active traders should balance dealing charges against portfolio growth.
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 | ii | Trading 212 |
|---|---|---|
| Cost | 8.6Low entry hurdle with minimum deposit of £0 balanced by dealing charges | 9.3HigherStock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 8.9Choice across stocks, ETFs and funds held within ISA, SIPP and jisa via Mobile app | 8.9 |
| Trust | 8.5Oversight from Financial Conduct Authority with cover of FSCS up to GBP 85,000 | 9.4Higher |
What each covers
| Markets | ii | Trading 212 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
| Account types | ii | Trading 212 |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Joint | Yes | Yes |
| Jisa | Yes | No |
What it costs in practice
A year: 5,000 invested, 4 US stock trades a month
ii
£263.40
48 × £3.99 + 1 × £71.88
Trading 212
£0
48 × £0 + 1 × £0
Trading 212 costs £263.40 less.
Excludes currency conversion fee (not stated by Trading 212). Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 28, 2026.
Where they rank in our lists
| Ranking | ii | Trading 212 |
|---|---|---|
| Investing | 322 of 654 | 110 of 654 |
| Stock and ETF brokers | 234 of 358 | 75 of 358 |
| Stocks and shares ISAs | 17 of 25 | 4 of 25 |
| Pensions and SIPPs | 13 of 23 | 2 of 23 |
Every fact side by side
| Fact | ii | Trading 212 |
|---|---|---|
| Features | Mobile app | Fractional shares, Demo account, Mobile appCovers more |
| Pricing model | Low fees | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Interactive Investor Services Limited | Trading 212 Markets Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2006 |
| Support channels | Phone, Help centreCovers more | Help centre |
Savings
| Fact | ii | Trading 212 |
|---|---|---|
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Account kind | Not confirmed | ISA |
Where each stands against the rest
| Fact | ii | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £1below the median | £15 |
| Stock trade fee | £3.99highest quarter | £0at the median | £0 |
| Account fee | £71.88highest quarter | £0at the median | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 0.4% |
| Interest on cash | 0.8%lowest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
ii
Pros
- Begin with £0 and invest across stocks, ETFs and funds without funding pressure
- Hold ISA, SIPP and family accounts through ISA, SIPP and jisa in a single provider
- Cover of FSCS up to GBP 85,000 under Financial Conduct Authority for added assurance
Cons
- Account fee of £71.88 applies whether you trade or leave holdings untouched
- Stock trades cost £3.99 versus $0 at ActivTrades
- Foreign trades carry conversion costs of 0.75% on top of dealing charges
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
ii
Who it suits
- Investors building ISA and SIPP holdings with junior and joint accounts included
- Buy and hold investors focused on shares, funds and bonds with mobile access
Who should look elsewhere
- Traders sensitive to per order costs may prefer ActivTrades where stock trade fee is $0 rather than £3.99
- Investors comparing entry levels may consider XTB with minimum deposit of €0 or eToro with minimum deposit of $50
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
Country by country
| Country | ii | Trading 212 |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
ii
What does ii charge for share dealing and account holding?+
Stock trades cost £3.99 and the account fee is £71.88. The account fee covers holding of investments across wrappers and applies on top of dealing charges. Check how often you expect to trade before judging value against infrequent use.
Is ii regulated and is money protected?+
ii is provided by Interactive Investor Services Limited and regulated by Financial Conduct Authority. Client cover is FSCS up to GBP 85,000. Protection applies within scheme limits and does not remove market risk, so holdings can still fall in value.
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.
Other options to compare
Other matchups
Trading 212