Trading 212 vs InvestEngine: Features, Coverage and Pricing Compared (2026)
Updated November 10, 2026 · Reviewed by Benjamin Margolis
Trading 212 and InvestEngine both offer UK investors low-cost investing in ISAs and pensions. Trading 212 offers commission-free stocks and ETFs. InvestEngine focuses on ETFs, with zero platform fees on DIY and a managed option.
Our analysts compared the two on November 10, 2026, using each company's own product, pricing, and company pages and our full reviews of Trading 212 and InvestEngine.
Choose Trading 212 if
- you want individual shares
- you want a Cash ISA
- you want a multi-currency card
Choose InvestEngine if
- you only want ETFs
- you want a managed ETF portfolio
- you want a business account
Trading 212 scores 81 and InvestEngine scores 79 in our ratings. Trading 212 is broader. InvestEngine is the ETF specialist.
Key Features Compared
Trading 212 vs InvestEngine at a Glance, November 2026
| Feature |  Trading 212 |  InvestEngine |
|---|---|---|
| Ratings | ||
| Fintech Index score | 81 / 100Higher score | 79 / 100 |
| Overview | ||
| What it is | London online broker that offers commission-free stock and ETF investing, Stocks and Shares ISAs, a Cash ISA, a SIPP, and CFD trading to retail investors in the UK and Europe | London ETF investing platform that offers ISAs, pensions, and general accounts with zero platform fees on DIY investing |
| Who it suits | Retail investors in the UK and Europe; more than 5 million clients | UK individuals and businesses that invest through ETFs |
| Main products | Commission-free stocks and ETFs, Stocks and Shares ISA, Cash ISA, SIPP, multi-currency card, and CFDs | DIY and managed ETF portfolios in ISAs, pensions, general accounts, and business accounts |
| Where it operates | UK and Europe | United Kingdom |
| Products and features | ||
| Cost to trade | No commission | Zero on DIY ETFs |
| Tax-free wrappers | ISA, Cash ISA, and SIPP | ISA and pension |
| Pricing | ||
| How pricing works | No commission or custody fee; 0.15% currency conversion | Zero account and trading fees on DIY; ETF provider charges apply |
| Published prices | Fees posted | Fees posted |
| Technology and compliance | ||
| Regulation and protection | Regulated broker; CFDs carry a high risk of loss for most retail clients | InvestEngine (UK) Limited, FCA-regulated |
| App and platform | Mobile and web app | ETF-focused app |
| Integrations and partners | Multi-currency card | ETFs from Vanguard, Invesco, Xtrackers, and others |
| Onboarding and support | Self-directed; no advice | Standard retail and business terms |
| Company | ||
| Founded | 2004 | 2016 |
| Headquarters | London, United Kingdom | London, United Kingdom |
| Ownership | Private company | Private limited company (InvestEngine (UK) Limited) |
| Funding | Privately held and run by its co-founders; no outside venture rounds disclosed, with growth funded from profits | Privately held UK firm; Companies House records active fund-management activity for InvestEngine (UK) Limited (10438231), incorporated 20 October 2016 |
| Key leader | Ivan Ashminov | Not published |
| Scale | Revenue of $463.3M in 2025, up 70%; more than $33.5B of client assets | Incorporated in October 2016 |
Fintech Index Scores Compared
We rate every company on eight criteria from 0 to 100, four tied to what buyers in its sector need and four shared by every company, and the rating is their average. Trading 212 scores 81 and InvestEngine scores 79.
Criterion Scores Out of 100
Key Differences Between Trading 212 and InvestEngine
Products
Trading 212 offers stocks, ETFs, ISAs, a Cash ISA, a SIPP, a card, and CFDs. InvestEngine offers ETFs in ISAs, pensions, and business accounts.
Fees
Trading 212 charges no commission and 0.15% FX. InvestEngine charges zero platform fees on DIY.
Scale
Trading 212 has more than 5 million clients and $463.3M of 2025 revenue.
Pros and Cons
Trading 212
Pros
- No commission or custody fee
- ISAs and a SIPP
- Low 0.15% FX fee
- Large and profitable
Cons
- No advice
- Thin bond range
- CFDs carry high risk
InvestEngine
Pros
- Zero platform fees on DIY
- Managed option
- Business accounts
- ISA and pension
Cons
- ETFs only
- No individual US stocks
- No adviser tools
Who Each Is Best For
Trading 212
A UK or European retail investor who wants to buy stocks and ETFs without commission, inside a tax-free ISA or a pension if they choose.
InvestEngine
A UK investor who wants low-cost ETF portfolios or DIY ETF investing with zero platform fees on the DIY path.
Alternatives to Trading 212 and InvestEngine
These companies, all reviewed and rated on The Fintech Index, cover some of the same ground as Trading 212 and InvestEngine.
Other Card Issuing and Processing Companies
| Company | Score | Best for | Comparisons |
|---|---|---|---|
| Lightyear | 80 | European investors who want clear fees across markets | Lightyear vs Trading 212 |
| Interactive Brokers | 83 | Active investors who trade many markets | None yet |
Frequently Asked Questions
Does InvestEngine offer individual stocks?
It is built around ETFs.
Does Trading 212 offer a pension?
Yes, a SIPP.
Which offers managed portfolios?
Sources
- The Fintech Index analysis of Trading 212 and InvestEngine, conducted November 2026 (As of November 10, 2026)
- Trading 212 home page: https://www.trading212.com/ (As of November 10, 2026)
- Trading 212, leadership: https://www.trading212.com/leadership (As of November 10, 2026)
- Trading 212, fees: https://helpcentre.trading212.com/hc/en-us/articles/11471996799517-What-are-the-fees-in-the-Invest-ISAs-and-SIPP (As of November 10, 2026)
- FX Broker Trust, 2025 results: https://www.fxbrokertrust.com/insights/trading-212-group-revenue-rises-70-to-3458m-in-2025 (As of November 10, 2026)
- Finance Magnates, 2025 results: https://www.financemagnates.com/forex/trading-212-continues-to-grow-in-the-uk-2025-revenue-jumps-72-profit-doubles/ (As of November 10, 2026)
- The Independent, Ivan Ashminov: https://www.independent.co.uk/news/uk/trading-212-ivan-ashminov-savings-investment-b2756103.html (As of November 10, 2026)
- InvestEngine home page: https://www.investengine.com/ (As of November 10, 2026)
- Companies House, InvestEngine (UK) Limited: https://find-and-update.company-information.service.gov.uk/company/10438231 (As of November 10, 2026)