Trading 212 savings rates — compare every account, plus switch offers and guides

Who they are

Trading 212 is a European fintech brokerage group founded in Bulgaria in 2004 and headquartered in London. It launched commission-free share dealing in the UK in 2017 - a move that helped reshape the market and push older platforms to drop their per-trade fees. As of 2025 the group reported around 4.5 million funded customer accounts, 3 million of them in the UK, and roughly £25 billion in client assets under administration. It is not a bank. Trading 212 is primarily an investment platform, and that shapes everything about how its savings products work. Trading 212 UK Limited is authorised by the Financial Conduct Authority.

Savings accounts

Trading 212 offers two ISA products. The Cash ISA is the one most relevant to pure savers - it pays a variable rate on instant-access cash, with a minimum deposit of just £1. The rate shown on this page is the current figure and includes any bonus component, so check it carefully before you open the account. It is a flexible ISA, meaning you can withdraw and replace money in the same tax year without losing your allowance. Client funds are covered by the FSCS , and the DepositScout data shows Cash ISA deposits are protected up to £120,000 - higher than the standard £85,000 limit that applies to most bank deposits.

The Stocks and Shares ISA is a DIY investment account, not a savings product. It supports fractional share investing from as little as £1 and includes a portfolio-building tool called Pies and AutoInvest that lets you split a selection of stocks and ETFs into percentage-weighted slices. Investments are protected up to £85,000 by the FSCS, with any uninvested cash covered up to £120,000. One thing worth knowing: from April 2027, interest earned on cash sitting inside a Stocks and Shares ISA will be subject to a new 22% charge - so the Cash ISA is the cleaner home for money you genuinely want to keep in cash.

Is it right for you?

Trading 212 suits savers who are already comfortable with an app-based, non-bank platform and want a competitive easy-access Cash ISA rate without tying their money up. The user experience is slick, but the app is busy - UK clients can access a Stocks ISA, a Cash ISA, a SIPP and a multi-currency debit card all in one place, so it is worth making sure you open the Cash ISA specifically rather than accidentally landing in the investment account. There are no branch visits or phone lines in the traditional sense, so it is not the right fit if you prefer a high-street provider.

Rates are variable and move with the market. As always, the live figures on this page are the most up-to-date numbers - use them to compare before you apply.