Trading 212 Invest vs ISA Account

logomark Luca Puddu calendar Last Updated: November 2021 timer 4 min read
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In this trading 212 review we will be looking into the differences between two trading 212 account types.

The Invest account and ISA account.

Both have their pros and cons and their suitability towards different investors will be highlighted in this review.

Table of contents

Trading 212 Invest vs ISA: Differences

First of all, the Trading 212 Invest account and the Trading 212 ISA account are very similar, however there is only one major difference, which is very important when you are considering opening an account. The ISA account is tax-free! This is great news, as the money that you earn on that account is completely tax free and you don’t have to pay anything. The ISA account is available for U.K. traders, whilst the Invest account is available in every location that Trading 212 operates. Visit Trading 212 for information on both accounts.

Trading 212 Invest vs ISA: Which one is the best choice for you?

With the Invest account, if you are planning on speculating and waiting for the right moment to execute a particular trade, even in the long-term you can withdraw the money whenever you want. The ISA account is more tailored towards people who are planning for retirement. Below is a table outlining the different factors for each of the accounts.

Invest Account ISA Account
Commissions $0* $0
Tax-free No Yes
Assets Stocks and ETFs Stocks and ETFs
AutoInvest Yes Yes
Available for all traders Yes Only UK traders
  • * On certain assets

Trading 212 Invest Overview

For more information on the Trading 212 invest account, please read our Trading 212 Invest Review. The Trading 212 Invest Account allows traders, whether they be experienced or new, to take full advantage of trading real stocks and ETFs. There are over 3000 stocks and over 400 different ETFs on the platform to invest in. One of the best things that people rave about on Trading 212 is that there are no withdrawal or deposit fees. The only fee that you might incur would be a 0.7% fee for deposits that are higher than $2000, but that depends on the method that you used to deposit the money.

I think one of the lesser known benefits of Trading 212 is the fact that you can trade fractional shares. Whereas most people think that they have to buy full shares, but this is not true. You don’t need a large amount of capital to start investing in stocks, since you can buy fractional shares.

The use of a demo account is very important in the trading world as it can be used to practice and hone your skills and strategies. Some platforms give you 30 days to try their demo accounts, and some platforms don’t actually have a demo account forcing you to open a live account with little or no experience. However, with Trading 212, you can enjoy an unlimited demo account. There is no pressure for you to open a live account after a certain amount of time.

When you are investing in stocks, Trading 212 has what is called an Autoinvest feature, which allows you to create an investing portfolio, and it also allows you to diversificate it and then let the system automatically invest for you.

Learn more on the Trading 212 Invest Account

Trading 212 ISA Overview

With the ISA (Individual Saving Account) you can trade every single instrument that appears on the invest account (stocks and ETFs) with the same minimum deposit of $1, but there’s a difference.

When you invest in stocks with the ISA account, you are investing in stocks with zero commission as well as in a tax-free environment. This account is also only available for UK traders. The limit on the ISA tax free allowance differs from country to country, but for the UK up to £20,000 is tax free. There are also no administration charges per year, and no commissions per trade, and to top it off there are no dividend reinvestment fees. The Trading 212 autoinvest feature is also available on this account.

Learn more on the Trading 212 ISA Account

Trading 212 Invest vs ISA – FAQ

Should I use Trading 212 Invest or ISA Account?

If you don’t have an ISA account, then you should think about opening one with Trading 212 for the tax benefits that are associated with it. However, if you already have an ISA account, then you will have to open the Trading 212 Invest account, because you’re not allowed to pay into more than one ISA per year.


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About the Author

Luca Puddu

Broker Expert

Always full of different interests, Luca started to get interested in the field of personal finance in 2014.

His self-taught studies led him year by year to become increasingly interested in the investment field.

To date, Luca actively invests in the stock market and cryptocurrencies, focusing on rising markets and the industries of the future.

His main role at InvestinGoal.com is to analyze and study in the smallest detail the brokers and their platforms, while checking carefully that the information shown by them is genuine.

In this way, he provides readers with a complete and truthful overview of the broker they might be interested in.


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