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Oval badge with text: Which? Great Value, Stocks & Shares ISA, March 2026
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Boring Money award badge for Best Low Cost SIPP over £50K for 2026 with five stars
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Key differences at a glance

A side-by-side comparison of charges, account availability (ISA, SIPP, and Junior ISA), investment options, key features, and company ownership.
Commission fees
Free ISA
Free SIPP
Free Junior ISA
Funds
Investment choices available for stocks & shares ISA
Bank deposits
Debit card deposit
Minimum deposit
Fractional shares
Flexible ISA
Company ownership
Freetrade
None
Commission-free, other charges may apply
Yes
£0 for Junior ISA
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
Part of FTSE 100 listed IG Group
None
Commission-free, other charges may apply
Yes
£0 for stocks and shares ISA
Yes
£0 for self-invested personal pension (SIPP)
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 or a SIPP.
Yes
Yes
Private

Comparison Disclosure

Comparisons with Trading 212 are based on publicly available information on their website as at 12 August 2026. Fees, charges and features are shown for illustrative purposes only and may change over time. For the most up-to-date information, you should visit their website.

Investment choices shown are limited to those available within stocks and shares ISAs and SIPPs 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), a self-Invested personal pension (SIPP), and a Junior ISA, allowing investors to save and invest across different tax wrappers in one place.

Trading 212 provides a stocks and shares ISA, a SIPP, and a general investment account.

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I have been using Freetrade platform to invest my ISA for the last 5 years. They have made easy to buy and sell shares. Their fees are reasonable. In my opinion they are far better than any other platform.
MAHER
|
It's such a straightforward trading platform app, easy to use and navigate, the communication is almost instant if you want to query a problem or require assistance, I'm currently investing in my isa!
CLINTON JONES
|
Great app and service. Fantastic choice for SIPP and ISA investment.
IAN C.
|
I’ve been very impressed, a 10x improvement from Hargreaves Lansdown. The transfer of my SIPP was very well managed with excellent communication all the way. Then the actual platform is very good. My SIPP used to be with HL and that platform is ancient and expensive. I like the PM trading being available with zero fees except foreign exchange rates. Wish I’d moved earlier!
RUAN SMIT
|
I've used freetrade for a few years now. I'm using it to give me one of a variety of incomes as i head in to retirement,(mostly uk dividend shares in my modest portfolio). My basic isa account is free to use, what's not to like!
ROB MC
|

Reasons to join Freetrade

Investing made simple. No jargon, no hidden fees.
1
£0 account fee for ISA, JISA, SIPP, and GIA
There are no account fees and all account types are included with the Basic plan and up. 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 100 listed group
Invest in your SIPP with confidence at Freetrade, part of IG Group, a FTSE 100 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.

How to set up a Freetrade SIPP

Set up a Freetrade SIPP in minutes. Start by opening your Freetrade account, then follow the steps below.
Get Freetrade Now

Investment choices 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. Its SIPP offers shares and ETFs only.

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Choose from thousands of investments

Stocks

Invest in thousands of companies listed on the LSE, NYSE, NASDAQ, and across Europe.

Funds

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 300+ 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.

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.
As seen in

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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?

How long does it take to transfer an ISA from Trading 212 to Freetrade?

Are there any charges when transferring an ISA from Trading 212?

Can I track the progress of my ISA transfer to Freetrade?

Does Trading 212 have a Junior ISA?

Can I invest in mutual funds on Trading 212​

Learn more

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Guides

Easy-to-understand guides that break down key investing concepts, from beginner to advanced, so that you can invest more confidently.
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Market insights

Dive into the latest market news, views, IPOs, and more from the Freetrade team.
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Product updates

The latest product updates, improvements, and features, in one place so that you always know what’s new in your app.
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Tools & calculators

Do you know the impact fees have on your investments? Do you want to know what a gilt will be worth? Find out here.

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).

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