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DEGIRO vs Trading 212

Find out what we thought of these low-fee trading platforms.


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warning iconWarning: CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

DEGIRO as an online broker

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Compare up to 4 providers

DEGIRO is a low-cost broker for share trading. It lets you purchase stocks, shares, investment trusts, bonds and ETFs. Trading 212 offers the opportunity to trade stocks without paying any fees. Free and low-cost share trading have become pretty popular recently with other companies such as Stake, Freetrade and eToro offering the chance to invest fee-free.

Find out what we thought when we compared them below.

DEGIRO vs Trading 212: costs

Trading 212 does not charge for anything but comes with restrictions on withdrawal and deposit amounts. DEGIRO is known to be a lower cost option.

You’d usually expect to spend upwards of €10 per transaction, which can minimise your potential returns. This is a good opportunity to try out share trading without spending a whole lot of money.

DEGIRO vs Trading 212: demo account

Trading 212 has a demo account available, meaning you can practise trading without using real money. Once you’ve got the hang of it, you can try it out for real! It lets you have a go without even giving up an email address. Of course, if you want to keep an eye on your imaginary stocks for days, weeks or months, you’ll have to sign up.

This is something that DEGIRO does not offer, so if you want to try before you buy, you’ll have to do so with a different platform.

DEGIRO vs Trading 212: Reddit users’ verdict

Reddit users like the low costs of using Trading 212, while DEGIRO charges fees, but tend to be a little hesitant as it’s newer to the game than DEGIRO. As Trading 212 only makes money from its CFD account, it is possible for the regular investment account and ISA to be free.

A really popular feature of Trading 212 is that you can trade fractional shares. Seemingly, Reddit users who prefer DEGIRO do so because they like that it is more widely established than Trading 212.

Our verdict: Is DEGIRO better than Trading 212?

These are both great options for low-cost trading, but, overall, Trading 212 probably comes out on top. There are benefits of using each one over the other, such as that you can open a stocks and shares individual savings account (ISA) with Trading 212 and that DEGIRO has been around for longer. DEGIRO is regulated by the AFM in the Netherlands and passports through the European union. They have introduced a new way of holding money in partnership with flatex Bank, a Germany based regulated bank. By the end of 2020, most DEGIRO clients will be able to have a personal Cash Account connected to their DEGIRO investment account while being guaranteed up to €100,000. Additionally, Trading 212 has a demo account, which means you can give it a go before you commit but DEGIRO currently doesn’t offer a free demo account.

All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest. Past performance is no guarantee of future results. If you’re not sure which investments are right for you, please seek out a financial adviser. Capital at risk.

Disclaimer: This information should not be interpreted as an endorsement of futures, stocks, ETFs, CFDs, options or any specific provider, service or offering. It should not be relied upon as investment advice or construed as providing recommendations of any kind. Futures, stocks, ETFs and options trading involves substantial risk of loss and therefore are not appropriate for all investors. Trading CFDs and forex on leverage comes with a higher risk of losing money rapidly. Past performance is not an indication of future results. Consider your own circumstances, and obtain your own advice, before making any trades.

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