That is an excellent choice if you are looking for a top broker that is very well-trusted in the industry and a very popular choice among traders. You can read all about the broker with our trading 212 review. Your next decision will be the account type.
The Trading 212 CFD vs Invest accounts offer several key differences that you will want to consider before making your choice.
Here we help you by highlighting these differences and providing a more detailed look at who may be best suited to each account type.
Table of Content
Trading 212 CFD vs Invest: which one is the best choice for you?
If you are searching for help on which account type is the best for you, then our chart below will certainly be helpful in highlighting some of the key differences between the two.
For a summary, the CFD account offers you the ability to speculate on many markets without ever owning the underlying asset. This can be considered something of a higher risk though it is certainly flexible in providing you access to forex, stocks, and other markets. This account type is often selected by day traders and those preferring to trade on leverage.
The Invest account is ideal for traders looking at more long-term investing. The fees are also kept lower since you don’t have to worry about overnight fees when holding your positions as you do on a CFD account. Fractional shares trading is also available with the Invest account.
Features
CFD Account
Invest Account
Minimum deposit
$10
$1
Leverage
1:30 for EU traders
1:1
Real assets
No
Yes
Instruments
CFD Forex, Index, Commodities, Stocks, Futures
Real Stock and ETFs
Platform
Proprietary
Proprietary
Trading 212 CFD vs Invest: Differences
Below are some of the key differences in more detail on both of these account types.
If you are looking for more in-depth information, you should absolutely check out our full Trading 212 account types guide for much more.
Trading Instruments Available
As mentioned above, one of the key differences between these two account types is that with the Invest Account you are trading the real asset. This is not the case on a CFD account where you never actually own the underlying asset. With the CFD account though, you can use leverage. This is not available on the Invest account.
The assets offered also differ slightly, though both accounts offer an exceptional range of selection. With the CFD account, you will find more than 3,500 assets in total. Included here are more than 2,000 stocks, over 220 forex pairs, 30+ indices, 158+ commodities, and in excess of 80 futures markets to choose from. The Invest account meanwhile, offers over 3,000 stocks, and 400+ ETFs to trade in, all as real assets.
A Trading 212 demo account gives you a completely risk-free environment to try out both accounts and what they have to offer. The account is unlimited and comes with no obligation.
Another point of note that we referred to above in the differences is the availability of leverage. The CFD account will allow you to use leveragewhile the Invest account will not. As an EU trader, the maximum available leverage is up to 1:30. This can extend to as much as 1:500 if you qualify as a professional client.
If you are interested in learning more about leverage and how it works, our guide here on the high leverage forex brokers top ten is a must-read.
Trading 212 CFD vs Invest – FAQ
What is the main difference between CFD trading and Investing?
The main difference between CFD trading and investing is that with CFDs, you speculate on price movements without taking ownership, while investing lets you take direct ownership of the underlying asset. There are also other differences like overnight fees to take into account with CFDs. It is generally not suited to longer-term investing.
Does Trading 212 offer a demo account for both CFD and Invest mode?
Yes, it offers both versions and you can switch from one to another very quickly. Remember that with demo account you’ll trade in a risk-free way with virtual funds and no obligation to open a live trading account. The Trading 212 demo account is also completely unlimited.
Can you lose more than you invest in CFD trading 212?
No. It is not possible to lose more than you deposit with a Trading 212 CFD account. This is thanks to the negative balance policy that the broker has in place.
Filippo is the co-founder and CEO of InvestinGoal.com. He has 15 years of experience in the financial sector and forex in particular. He started his career as a forex trader in 2005 and then became interested in the whole fintech and crypto sector.
Over this time, he has developed an almost scientific approach to the analysis of brokers, their services, and offerings. In addition, he is an expert in Compliance and Security Policies for consumers protection in this sector.
With InvestinGoal, Filippo’s goal is to bring as much clarity as possible to help users navigate the world of online trading, forex, and cryptocurrencies.
Trading CFDs, FX, and cryptocurrencies involves a high degree of risk. All providers have a percentage of retail investor accounts that lose money when trading CFDs with their company. You should consider whether you can afford to take the high risk of losing your money and whether you understand how CFDs, FX, and cryptocurrencies work. Cryptocurrencies can widely fluctuate in prices and are not appropriate for all investors. Trading cryptocurrencies is not supervised by any EU regulatory framework. Your capital is at risk. The present page is intended for teaching purposes only. It shall not be intended as operational advice for investments, nor as an invitation to public savings raising. Any real or simulated result shall represent no warranty as to possible future performances. The speculative activity in forex market, as well as in other markets, implies considerable economic risks; anyone who carries out speculative activity does it on its own responsibility.
ADVERTISER DISCLOSURE: InvestinGoal is completely free to use for all. Though we may receive a commission from brokers we feature, this does not impact the results of our reviews or rankings which are conducted with complete independence and objectivity, following our own impartial methodology. Help us continue to provide the best free broker reviews by opening your account with our links. Please read our Advertiser Disclosure to learn more.
We use cookies to ensure you get the best experience on our website. By clicking “Accept”, you consent to the use of ALL the cookies. However you may visit Cookie Settings to provide a controlled consent.
This website uses cookies to improve your experience while you navigate through the website. Out of these cookies, the cookies that are categorized as necessary are stored on your browser as they are essential for the working of basic functionalities of the website. We also use third-party cookies that help us analyze and understand how you use this website. These cookies will be stored in your browser only with your consent. You also have the option to opt-out of these cookies. But opting out of some of these cookies may have an effect on your browsing experience.
Necessary cookies are absolutely essential for the website to function properly. These cookies ensure basic functionalities and security features of the website, anonymously.
Cookie
Duration
Description
cookielawinfo-checkbox-advertisement
1 year
Set by the GDPR Cookie Consent plugin, this cookie is used to record the user consent for the cookies in the "Advertisement" category .
cookielawinfo-checkbox-analytics
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Analytics".
cookielawinfo-checkbox-functional
11 months
The cookie is set by GDPR cookie consent to record the user consent for the cookies in the category "Functional".
cookielawinfo-checkbox-necessary
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookies is used to store the user consent for the cookies in the category "Necessary".
cookielawinfo-checkbox-others
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Other.
cookielawinfo-checkbox-performance
11 months
This cookie is set by GDPR Cookie Consent plugin. The cookie is used to store the user consent for the cookies in the category "Performance".
viewed_cookie_policy
11 months
The cookie is set by the GDPR Cookie Consent plugin and is used to store whether or not user has consented to the use of cookies. It does not store any personal data.
Functional cookies help to perform certain functionalities like sharing the content of the website on social media platforms, collect feedbacks, and other third-party features.
Performance cookies are used to understand and analyze the key performance indexes of the website which helps in delivering a better user experience for the visitors.
Cookie
Duration
Description
_gat
1 minute
This cookie is installed by Google Universal Analytics to restrain request rate and thus limit the collection of data on high traffic sites.
Analytical cookies are used to understand how visitors interact with the website. These cookies help provide information on metrics the number of visitors, bounce rate, traffic source, etc.
Cookie
Duration
Description
_ga
2 years
The _ga cookie, installed by Google Analytics, calculates visitor, session and campaign data and also keeps track of site usage for the site's analytics report. The cookie stores information anonymously and assigns a randomly generated number to recognize unique visitors.
_gid
1 day
Installed by Google Analytics, _gid cookie stores information on how visitors use a website, while also creating an analytics report of the website's performance. Some of the data that are collected include the number of visitors, their source, and the pages they visit anonymously.
Advertisement cookies are used to provide visitors with relevant ads and marketing campaigns. These cookies track visitors across websites and collect information to provide customized ads.