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Key differences at a glance
A side-by-side comparison of charges, ISA and SIPP availability, mutual funds, investment options within Stocks and Shares ISAs, key account features, and company ownership.
Commission fees
Free ISA
SIPP Availability
Mutual funds
Investment options available for stocks & shares ISA
Bank deposits
Debit card deposit
Minimum deposit
Fractional shares
Flexible ISA
Mobile app
Company ownership
Commission-free, other charges may apply
£0 for stocks and shares ISA
Yes, £0 for self-invested personal pension (SIPP)
Yes
- UK & international shares
- ETFs
- Investment trusts
- REITs
- Gilts & treasury bills
- Funds
Free
No minimum deposit required to open an ISA or a SIPP account.
Yes
Yes
Yes
Part of FTSE 250 listed IG Group
Commission-free, other charges may apply
£0 for stocks and shares ISA
Not available
Not available
- Shares
- ETFs
- ETPs & ETCs
- REITs
- Investment trusts
Free
0.7% after £2,000 cumulative
£1 minimum deposit to open an ISA account.
Yes
Yes
Yes
Private
Comparison Disclosure
Comparisons with Trading 212 are based on publicly available information on their website as at 16 January 2025. Fees, charges and features are shown for illustrative purposes only and may change over time. For the most up-to-date information, your should visit their website.
Investment options shown are limited to those available within Stocks and Shares ISAs for both platforms. Trading 212 card deposits are free up to £2,000 in cumulative deposits. Freetrade payment methods such as Apple Pay and Google Pay have a £2,500 lifetime limit.
When you invest, your capital is at risk. The value of your investments can go down as well as up and you may get back less than you invest. Always do your own research.
Account types compared
Freetrade offers a Stocks and Shares ISA, a General Investment Account (GIA), and a Self-Invested Personal Pension (SIPP), allowing investors to save and invest across different tax wrappers in one place.
Trading 212 provides a Stocks and Shares ISA and a General Investment Account, but does not currently offer a SIPP.
Reasons to open a Freetrade SIPP
Investing made simple. No jargon, no hidden fees.
1
£0 SIPP account fee
From 22 January 2026, there’s no SIPP account fee on the Freetrade Basic plan. Other charges may apply.
2
Commision-free dealing
Unlimited free trades and low FX fees across thousands of global stocks, ETFs, investment trusts and UK Treasury bills. Other charges may apply.
3
Part of a FTSE 250–listed group
Invest in your SIPP with confidence at Freetrade, part of IG Group, a FTSE 250–listed company.
4
Award-winning app and SIPP
Manage your portfolio from anywhere via our beautiful iOS and Android apps and web platform.
5
Priority support
Fast, friendly customer support when you need it.SIPP customers receive priority customer support as part of their Plus plan.
6
Automated tools
Set up automated investments, direct debits, limit orders, stop losses, and more. Regular investing made simple.
Investment options compared
Freetrade gives investors access to a wide range of investments, from shares and ETFs to funds, investment trusts, REITs, gilts and UK Treasury bills.
Trading 212 provides access to shares, ETFs, ETPs and ETCs, REITs and investment trusts within its Stocks and Shares ISA.
Choose from thousands of investments
Stocks
Invest in thousands of companies listed on the LSE, NYSE, NASDAQ, and across Europe.
Mutual funds
Mutual funds pool money from investors to buy a mix of assets like stocks or bonds, managed by professionals to match the fund’s goals.
ETFs
Choose from a wide range of exchange-traded funds including index, commodity, and bond ETFs from providers like Vanguard, iShares, Invesco, and more.
REITs
Add residential or commercial real estate assets to your portfolio without the hassle of buying and managing the properties yourself.
Investment trusts
Choose from hundreds of investment trusts across a wide range of sectors, geographical areas, and markets worldwide.
UK Treasury bills
Earn a fixed yield on your cash. Low-risk and backed by the UK government. Rate subject to success in tender.
5 star reviews
Join over 1.6 million users
Open a SIPP
Build your future today. Open a Freetrade SIPP in minutes with no account fee.
Transfer an ISA
Bring your ISA together in one place. Transfer to Freetrade for simple, tax-free control.
Open an ISA
Invest tax-free from day one with a Stocks and Shares ISA on Freetrade. £0 account fees.
Tax treatment depends on personal circumstances and current rules may change. Before transferring, check for any exit fees or loss of benefits from your current provider.
Freetrade vs Trading 212 FAQs
Here you'll find answers to the most frequently asked questions. If you have a question that's not listed, please contact support.
Can I transfer my ISA from Trading 212 to Freetrade?
Yes. You can transfer an existing Stocks and Shares ISA from Trading 212 to Freetrade. ISA transfers are designed to keep your investments within a tax-efficient wrapper.
How long does it take to transfer an ISA from Trading 212 to Freetrade?
ISA transfers typically take a few weeks. The exact timeframe depends on the type of transfer and how quickly your current provider completes the process, so timings can vary.
Are there any charges when transferring an ISA from Trading 212?
Freetrade does not charge a fee to receive ISA transfers. Your current provider may charge exit or transfer fees, so you should check their terms before starting a transfer.
Can I track the progress of my ISA transfer to Freetrade?
Yes. Once your transfer request has been submitted, you can track its progress through Freetrade’s app or via support updates.
Does Trading 212 have a SIPP?
No. Trading 212 does not currently offer a Self-Invested Personal Pension (SIPP). It offers a Stocks and Shares ISA, a Cash ISA and a CFD account. Freetrade offers a SIPP.
Can I invest in mutual funds on Trading 212
Trading 212 does not currently offer access to traditional mutual funds. Its investment options focus on shares, ETFs and other exchange-traded products. Mutual funds are available on Freetrade.
Regulation and protection
Freetrade is authorised and regulated by the Financial Conduct Authority (FCA) and investments are covered by the Financial Services Compensation Scheme (FSCS).
