Updated September 29, 2026 · SumCue Editorial Team
Raisin vs Trading 212
Raisin
Trading 212
Higher score in this comparison
Where Raisin and Trading 212 differ
| Compare | RaisinReviewSee alternativesSee alternatives | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £100 | £1Lower |
| Regulators | Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76) | 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 |
| Stock trade fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Markets | Not confirmed | Stocks, ETFs, Forex, CFDs |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
Same on both: Account fee (£0).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Trading 212 scores higher overall: 9.3 vs 8.8.
- Regulators: only Raisin offers Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76).
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Founded is lower at Trading 212: 2006 vs 2012.
- Minimum deposit is lower at Trading 212: £1 vs £100.
- Account types: only Trading 212 offers SIPP, Joint.
- Support channels: only Raisin offers Phone, Email.
- Pricing model: only Raisin offers No monthly fee.
- Pricing model: only Trading 212 offers Commission free.
Our verdict on each
Raisin
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
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 | Raisin | Trading 212 |
|---|---|---|
| Cost | 8.8Account fee and monthly fee are £0 and £0, and the headline rate of 4.15% sits above the site median of 3%. | 9.3HigherStock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 8.9 | 8.9 |
| Trust | 8.7 | 9.4Higher |
Where each is licensed and available
| Country | Raisin | Trading 212 |
|---|---|---|
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
| United Kingdom | Not confirmed |
Feature by feature
| Account types | Raisin | Trading 212 |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | No | Yes |
| Joint | No | Yes |
If neither fits
Hargreaves Lansdown has minimum deposit at £0, against £100 for Raisin and £1 for Trading 212.
Hargreaves Lansdown reviewHow they place
| Ranking | Raisin | Trading 212 |
|---|---|---|
| Savings | 641 of 1492 | 241 of 1492 |
| Savings accounts | 425 of 658 | 166 of 658 |
| Investing | 280 of 654 | 110 of 654 |
| Stocks and shares ISAs | 12 of 25 | 4 of 25 |
Every fact side by side
| Fact | Raisin | Trading 212 |
|---|---|---|
| Features | Not confirmed | Fractional shares, Demo account, Mobile app |
| Pricing model | No monthly fee | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Raisin SE | Trading 212 Markets Ltd |
| Headquarters | Germany | Cyprus |
| Founded | 2012 | 2006Lower |
| Support channels | Phone, Email, Help centreCovers more | Help centre |
Savings
| Fact | Raisin | Trading 212 |
|---|---|---|
| Headline rate | 4.15% | Not confirmed |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Access terms | Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Monthly fee | £0 | Not confirmed |
| Account kind | Easy access | ISA |
Robo-advisors
| Fact | Raisin | Trading 212 |
|---|---|---|
| Management fee | 0% | Not confirmed |
| Minimum investment | $1 | Not confirmed |
| Portfolio types | Cash | Not confirmed |
Where each stands against the rest
| Fact | Raisin | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | £1below the median | £15 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | £0at the median | £0at the median | £0 |
Median across 24 listed providers.
Pros and cons
Raisin
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
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
Raisin
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
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
Current offers
Raisin
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
New customers only, qualifying balances, code STACK
Source, checked September 26, 2026
Country by country
| Country | Raisin | Trading 212 |
|---|---|---|
| Austria | Yes | No |
| Finland | Yes | No |
| France | Yes | No |
| Germany | Yes | No |
| Ireland | Yes | No |
| Netherlands | Yes | No |
| Poland | Yes | No |
| Spain | Yes | No |
8 of 10 countries where either is available.
Questions about each
Raisin
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
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
Raisin
Trading 212