Trading 212 Review 2021

Trading 212 Review 2021
Davis J.
Robertson A.
March 2021


in rating

Trading terminals:

Web platform Mobile application for Android and iOS

Position in rating

Overall rating

Trading terminals:

Web platform Mobile application for Android and iOS


Due to the large number of negative reviews about this company and because it occupies the low position of number 20 on our Ratings List of Forex brokers, the Traders Union does not recommend cooperating with this broker.

Instead, our experts strongly advise you to select a brokerage from among the Top 5 on our objectively ranked list:

Summary of Trading 212 Trading Company

The Trading 212 brokerage company ( is registered to do business in London in 2006. Its specialization is the provision of services for investment and active trading in the foreign exchange and stock markets. The company is regulated and licensed by the UK Financial Conduct Authority (FCA). The broker does not provide data on awards received during the work.

💰 Account currency: USD, EUR
🚀 Minimum deposit: USD 1 / EUR 1
⚖️ Leverage: 1:30
💱 Spread: From 0 pips
🔧 Instruments: Currency pairs, CFDs on stocks, indices, futures, commodities, ETFs
💹 Margin call/Stop Out: Depends on the trading asset

We only work with accounts opened exclusively through the Traders Union website.

👍 Advantages of trading with Trading 212:

  • low level of the minimum deposit;
  • a large selection of trading assets;
  • multilingual site interface.

👎 Disadvantages of Trading 212:

  • lack of investment programs;
  • a small number of ways to contact support;
  • educational materials are not updated;
  • the company does not hold contests for traders;
  • strict requirements for participants in the referral program.


The broker is focused on cooperation with novice and experienced traders, but pays more attention to the development of service and trading conditions, rather than educational programs.

Visit Trading 212

Geographic Distribution of Trading 212 Traders

Trading 212 Latest Comments for 2020


Positive reviews increase standing and, of course, any negative reviews decrease its position in the ratings.

Just register and get authorized to submit a review of the broker’s activities and conditions on its platform. Everyone can and is invited to submit a review. All reviews of Trading 212 published on the website in 2021 are verified and confirmed by Traders Union as reliable comments by real traders.

I started trading with Trading 212 in December 2020. It delivers your hard-earned money timely. Also, the huge number of assets for trading is enticing. There are over 10,000 stocks and ETFs. However, some things are infuriating. The first one is the deposit fee (depending on the chosen method of deposit). Add to that the conversion fee from one currency to another. I believe that Trading 212 turns off many traders with these conditions. If you are ready to tolerate these drawbacks, you are welcome here.

I liked that Trading 212 is not just set to earn a profit by charging traders multiple commissions; it cares deeply for its customers. Take, for example, a bunch of educational features available on the broker’s website. Indeed, not everybody will like them, as they are mostly designed for beginners. Also, the broker does not seem to be willing to update the database and add new content. The support team operates quickly and effectively, settling all issues. However, it is not so easy to reach customer support, as the methods of communication are limited. There are, also, some screwups: they seem to check the verification documents a hundred times, which delays the process.

I believe that Trading 212 is a mediocre broker. There are some things to praise it for, but there are also drawbacks. The advantages include a possibility to trade real shares without commission, and also stock splits, which is rad for beginners with small deposits. I worked with this broker for several months, but I’m no good at active trading. I ended up closing a couple of unprofitable trades and lost all my deposit.
I wanted to switch to a PAMM account or advisory management to entrust my funds to professionals and then reap a profit, but Trading 212 does not offer this opportunity! For this reason, I had to abandon this company and seek another broker.

Well, I managed to earn some money with Trading 212. While everybody was partying during the New Year’s break and eating celebratory dinner leftovers, I worked hard and withdrew over $2,000 within two weeks. The market is growing and it would be a sin not to use it to your benefit.
Customer support is adequate, and they never ignored my questions, even though I continuously contacted them after I registered on this platform. In three years, I had only one conflict with the customer support operators. That was when I lost several hundred dollars due to the platform’s error. I tried to prove that they had to return the money, but they refused. In short, they just placed the blame on my shoulders. I didn’t want to sue, since I’m happy with the broker overall, but the unpleasant ‘aftertaste’ remains.

Let me pipe in and say a few words about Trading 212. The company is licensed and that’s great. For me, the fact that the company has its legal documents in order is a guarantee of its honesty.
This broker has not been involved in fraud, but there have been cases when Stop Loss did not work properly, and I got an ‘error’ message when trying to close orders manually. I was very upset then and argued with customer support operators. I sent several letters with a complaint to the support team and waited for the answer for a whole month. I’d like for Trading 212 to not only pay profits honestly but also change its attitude towards customers.

If you read the online reviews about Trading 212, you may get confused. Some people share the problems they had to face trading with this broker, while others sing its praises. In short, you won’t know until you try it.
Let me tell you about the pros and cons that I have observed. The biggest advantage of this broker is that it operates legally and complies with its agreements. The huge choice of stocks and ETFs are other advantages, although not everything is so cool with other markets.
There are not very many drawbacks, but they exist. In particular, I did not like the treatment I got from customer support. It is difficult to reach specialists, while I had to wait for a response to my question for several weeks sometimes. That’s not good, guys. Trading 212 needs to improve its customer service level and then everything will be just awesome!

I’m gonna make this short by pointing to the features that are worthy of attention. Given the many scams on the internet, it was important to me that Trading 212 was licensed and regulated by highly respected authorities. The funds of the customers are kept in segregated accounts, which is one more layer of security in case of a force majeure event. There is also a deposit guarantee up to EUR 20,000. Here’s what I didn’t like: a lackluster mobile app. Due to technical errors, I lost several hundred dollars on several occasions. As far as I can tell, this is a widespread issue, which many users are dealing with.

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Video Review of Trading 212

Expert Review of Trading 212

Trading 212 has been cooperating with the Traders Union for more than a year and during this period it has established itself as a reliable partner who regularly fulfills its obligations. Traders may choose from two types of accounts. One allows you to invest in stocks; the other one involves active trading. Both accounts have a demo version, which permits traders to test the trading conditions before moving on to real trading.

The broker is ready to cooperate with traders and investors, regardless of their level of experience, but upon registration, it warns potential clients about the increased risks associated with trading. During its activity, the company has received many positive and negative reviews. The Trading 212 support team distinguished themselves by providing qualified assistance to resolve pressing questions and problems. However, before opening an account with a broker, we strongly recommend that you read the reviews by the company's clients.

The broker's website is not visually overloaded and at the same time, it allows traders to learn all the information related to trading conditions and additional opportunities. The site interface has been translated into 11 languages, which is an advantage for the company's clients.

Antony Robertson

Traders Union
Financial Analyst

Analysis of the Main Features of the Forex Broker


Overall rating



Execution of orders



Investment instruments



Withdrawal speed



Customer Support work



Variety of instruments



Trading platform

Dynamics of the Popularity of Trading 212
in 2020 among the Users of the Traders Union

Logo TU
Top 3
Top 5
Top 10
Top 20
Top 40
Top 100
Top 100+

Investment Programs, Available Markets and Products of the Broker

Trading 212 positions itself as a company that cooperates not only with active traders but also with investors. Popular investment programs are not presented here. The only way to invest involves buying shares of various companies and receiving dividends or remuneration for the subsequent resale of shares. Another way to get a passive income is to partner with a broker. In this case, it is not necessary to actively trade yourself.


If you are a large investor and plan on investments over $ 10,000, contact us at [email protected] or by the feedback form on our website. Our professional team will take you through all the intricacies of thedeal and all the steps from signing up to withdrawal of profits.

Trading 212 affiliate program: 

  • Promo offer. It works according to the principle of a standard referral program. A client of the company becomes a partner of a broker, receives an individual referral link and attracts new users to the company. The referrer gets a bonus for each new active trader.

To become a participant in the promo offer, a trader must meet several requirements, which are described in detail in the relevant section on the broker's website.

Rebate and Discount Programs of the Traders Union for Trading 212

Cooperation with the Traders Union provides traders with additional benefits. Participation helps traders to reduce trading costs or even bring it to zero. Just register on the Traders Union website, link a trading account opened with the Trading 212 broker to your account, trade actively and receive bonuses in the form of a rebate for up to 100% of each spread, and the rebate will be deposited directly into your Traders Union personal account. The success of the trades does not affect the payouts, the rebate is accrued for both profitable and unprofitable trades.

Try it!  Try it!

Trading Conditions for Trading 212 Users

The broker aims to provide optimal conditions for both investing and trading. The company offers traders a low minimum deposit level - USD/EUR 1 at Trading 212 Invest and USD/EUR 10 at Trading 212 CFDs. Small leverage is offered (1:30), the margin level varies depending on the type of trading instruments. There is some information about each of them in the personal account.







Web platform Mobile application for Android and iOS
💻 Trading platform: Web platform, a mobile app for iOS and Android
📊 Accounts: Trading 212 Invest, Trading 212 CFD
💰 Account currency: USD, EUR
💵 Replenishment/Withdrawal: Bank cards: Visa, Visa Electron, MasterCard, Maestro; electronic payment systems: PayPal, ApplePay, GooglePay, Skrill; bank transfer via wire transfer
🚀 Minimum deposit: USD 1 / EUR 1
⚖️ Leverage: 1:30
💼 PAMM-accounts: No
📈️ Min Order: 0.1
💱 Spread: From 0 pips
🔧 Instruments: Currency pairs, CFDs on stocks, indices, futures, commodities, ETFs
💹 Margin call/Stop Out: Depends on the trading asset
🏛 Liquidity provider: n/a
📱 Mobile trading: Yes
➕ Affiliate program: Yes
📋 Orders execution: Instant execution
⭐ Trading features: Trading stocks, CFDs and ETFs
🎁 Contests and bonuses: No

Comparison of Trading 212 with other Brokers

Trading 212 FxPro XM Group Admiral Markets UK AvaTrade eToro
Web Trading platform, Mobile platforms MT4, MobileTrading, MT5, cTrader MT4, MT5, MobileTrading MT4, MT5, iPhone, iPad, Android, MT4 Supreme Edition MT4, MobileTrading, Zulu Trader, Mirror Trader, AvaTrader, AVA Option MobileTrading, WebTrader
Min deposit $1 $100 $5 $200 $100 $200
Leverage From 1:1
to 1:500
From 1:1
to 1:200
From 1:1
to 1:30
From 1:25
to 1:500
From 1:200
to 1:400
From 1:2
to 1:30
Trust management No No No No No No
Accrual of % on the balance No No No No No No
Spread From 0 points From 1 point From 1 point From 0 points From 0 points From 2 points
Level of margin call
/ stop out
No 50%  /  50% 100%  /  50% 100%  /  30% 25%  /  10% No
Execution of orders Market Execution Market Execution, Instant Execution Market Execution Market Execution Instant Execution Instant Execution
No deposit bonus No No $30 No No No
Cent accounts No No Yes No Yes No

Broker comparison table of trading instruments

Trading 212 FxPro XM Group Admiral Markets UK AvaTrade eToro
Forex Yes Yes Yes Yes Yes Yes
Metalls Yes Yes Yes Yes Yes Yes
Crypto Yes Yes No Yes Yes Yes
CFD Yes Yes Yes Yes Yes Yes
indexes Yes Yes Yes Yes Yes Yes
Stock Yes Yes Yes Yes Yes Yes
ETF Yes No No Yes No Yes
Options No Yes No No No Yes

Trading 212 Commissions & Fees


The Traders Union specialists have analyzed trading conditions at Trading 212 for trading and non-trading commissions. No hidden fees were found. The company does not charge a trading fee for the replenishment of the deposit and withdrawal of funds. A commission of 0.5% is charged for converting currencies on the Trading 212 CFD account.

Account type Spread (minimum value) Withdrawal commission
Trading 212 Invest From $1 No
Trading 212 CFD From $1 No

The transfer fee for the next day is only charged on the Trading 212 CFD accounts. The Trading 212 invest account allows you to transfer orders without fees. Trading 212 was also compared with leading companies in the market. According to the results of the analysis, brokers were divided according to the levels of commission they charge: from low to high.

Broker Average commission Level
Trading 212 $1 Low
FxPro $13.2 High
Admiral Markets UK $5 Medium
Trading 212
Admiral Markets UK

The Trading 212 broker offers clients a competitive level of commissions. The company's trading fees are lower than most of its competitors.

Detailed Review of Trading 212

Trading 212 is known as an investment company that gives traders the ability to trade and invest comfortably. The broker focuses on the use of new technologies in its work to make trading conditions optimal for both inexperienced market participants and professionals. Thus, this company sets a minimum deposit level, which opens up access to the stock markets for a larger number of customers. The development of its mobile application has made the broker popular in the UK and elsewhere.

A few numbers about the Trading 212 broker which will help a trader to choose a reliable broker:

  • more than 3000 trading instruments for active trading and investment;

  • it has more than 500 thousand clients;

  • the company's mobile app has been downloaded over 15 million times;

  • qualified support service is available 7 days a week, 24 hours a day.

Trading 212 has optimal trading conditions for investors and traders

The broker prioritizes the use of new technologies that make the trading process even faster, more comfortable, and more accessible. There are two types of accounts in Trading 212: one for investing, the other for active trading. In the first case, trading is carried out exclusively on the stock market; in the second, the trader has access to the foreign exchange and other markets.

Trading is carried out in two modes: through a browser and a mobile application for iOS and Android. Therefore, the user does not need to install additional programs. You only need a gadget with access to the internet.

Useful services of Trading 212:

  • News. The service allows traders to stay up to date with the latest news on the global economic arena;

  • Economic calendar. It gives traders more detailed information about the current market situation;

  • Analysis. These are daily analytical materials on the most popular trading instruments;

  • Help Center. It allows you to find answers to the most frequently asked questions from customers using the built-in search engine;

  • Autoinvest. An automated system simplifies the investment process.



having your own mobile application for comfortable trading;


support service provides professional assistance to clients at any time;


client funds are reliably protected by segregated accounts;


use of convenient payment systems available all over the world;


low level of the minimum deposit for investment and active trading.

How to Start Making Profits — Guide for Traders

The Trading 212 broker offers only two types of real accounts, which provide optimal conditions for active trading and investing, as well as two virtual accounts. Their differences are in the form of trading instruments, the amount of the minimum deposit, and the commission for currency conversion.

Account types:

Account Type
Trading 212 Invest
The account is intended for investing in shares of more than 3,000 world-famous companies. The minimum deposit is USD/EUR 1. Transferring an open position to the next day is free;
Trading 212 CFD
The account is suitable for traders who prefer active trading. More than 1800 trading instruments are available here, and the minimum deposit amount is USD/EUR 10. Transferring a position to the next day is chargeable.

Each of the presented accounts is available in a demo version, which allows you to test their trading conditions without financial risks.

Trading 212 is a broker aimed at cooperating with traders regardless of their trading experience, and with investors who prefer to work with stocks.

Bonuses Paid by the Broker

Trading 212 does not provide its clients with additional bonuses in the form of accruing funds when replenishing a deposit or performing other operations. Instead, the broker allows you to get additional earnings through participation in the referral program and promotions.

Bonus from Traders Union

Trading 212 clients who work with Traders Union have an advantage that helps them save on trading costs. Just go through a quick registration on the Traders Union website, link an existing trading account to the Traders Union and receive a bonus in the form of a rebate as a part of the spread for all trades without exception. You can find detailed instructions for linking a trading account in Trading 212 to an account in Traders Union here.

Investment Education Online


The brokerage company is focused not only on providing quality services but also on developing its clients. Therefore, Trading 212 offers traders of all levels training materials that will help novice traders to understand the basics and nuances of trading, and professionals to improve their skills.

Information available in the Education section
Information not available at the Trading 212 site
Educational videos on your own YouTube channel
Webinars and seminars
Trading modes
Analytical materials
How to use charts
Training courses for traders
Basic concepts and ideas
Economic indicators

We recommend testing the acquired knowledge without financial risk using a demo account.

Security (Protection for Investors)


Trading 212 UK Ltd. Is registered in the UK and licensed (registration number: 609146) to provide financial services from the FCA. The same authority regulates the broker's activities.

Also, Trading 212 participates in the Financial Services Compensation Scheme (FSCS) and the Investor Compensation Fund (ICF), which reliably protect client funds and allow investors to pay monetary compensation in the event of default up to EUR 20,000.

👍 Advantages

  • Availability of licenses and regulators
  • Documents confirming the existence of a license are provided on the broker's website in the open access
  • Customer funds are protected using segregated accounts
  • In case of liquidation of the company, clients receive financial compensation in the amount of up to 90%, but not more than EUR 20,000
  • The regulations governing the relationship between the broker and clients
  • Disputes between the company and the investor are resolved by independent experts

👎 Disadvantages

  • Consideration of a claim from a private client may take more than one month
  • The regulator does not consider small claims

Withdrawal Options and Fees

  • Trading 212 broker withdraws funds to the user's personal account on-demand and reserves the right to set limits on the minimum withdrawal amount. There is no commission for replenishing a trading account and for withdrawing funds.

  • To deposit and withdraw funds to a trading account, the company's client can use Visa, Visa Electron, MasterCard, Maestro bank cards, PayPal, Apple Pay, Google Play, Skrill, and bank wire transfers.

  • When withdrawing funds, the broker does not provide data on the time when funds are credited to a deposit account or a client's personal account. However, transactions using electronic payment systems are faster, while bank transfers take up to 5 business days.

  • You can withdraw funds in the following fiat currencies: USD and EUR.

  • To withdraw funds, the user needs to verify his account by providing the broker with the relevant documents in the personal account.

Customer Support Service


In case of questions or problems during the workflow, a trader may contact the support service, which works around the clock, 7 days a week.

👍 Advantages

  • 24/7 support
  • Prompt answers from specialists

👎 Disadvantages

  • Few communication methods

You can contact Trading 212 specialists in the following ways:

  • fill out the feedback form on the broker's website;

  • send an email;

  • send a message to the online chat in your personal account.

Online chat is available exclusively to registered clients of the broker.


Registration address 43-45 Dorset Street, London, W1U 7NA
Official site

Review of the Personal Cabinet of Trading 212

To start investing or actively trading with the Trading 212 broker, you need to register and open your personal account. To learn how to do this and what functions are in the trader's personal account, read the detailed instructions below.


 To receive a rebate from the Traders Union, you need to log into your account on the Union’s website and link your Trading 212 account to the TU. If you are not registered yet, use the referral link, go to the broker's main page and click on the "Open an account" button.

Trading 212 Review  - Opening an account
Trading 212 Review - Opening an account
Trading 212 Review  - Opening an account

In the dialog window, select the account you need — real or demo

Trading 212 Review  - Real account
Trading 212 Review - Real account

To open a demo account, enter your email address and a password. Then you can start virtual trading. For a real account, you must indicate the country of residence, citizenship, phone number and date of birth. The broker also requests information about the country you pay taxes to, identification code, internal passport number, residence address, desired account type (Invest or CFD), account currency, information about income, work and trading experience.

Trading 212 Review - Personal Data
Trading 212 Review - Personal Data

After filling out the form with all the necessary data, enter your email address and a password.

Trading 212 Review  - Authorization data
Trading 212 Review - Authorization data

The last step is to verify the account with document data (passport, identification code, and others).

After opening an account, you will automatically be taken to your personal account and the broker’s web platform. The following functions are available in the Personal Account:

  • funds management;

  • reports;

  • training;

  • client agreement;

  • help center;

  • switching a real account to a demo version.


Trading 212 trading212 trading212 com www trading212 com

The Oldest Reviews of the Trading 212

Positive reviews increase standing and, of course, any negative reviews decrease its position in the ratings.

Just register and get authorized to submit a review of the broker’s activities and conditions on its platform. Everyone can and is invited to submit a review. All reviews of Trading 212 published on the website in 2021 are verified and confirmed by Traders Union as reliable comments by real traders.

The British registration of Trading 212 speaks for itself. The broker is particular about verifying all application documents of the traders, and I was warned about it in the beginning. Taking into account that I got scammed in 2020 and lost almost $5,000, I did not want a repeat of that situation. I realized that thorough checking of documents is a normal practice for the respected brokers with a license
There are more benefits than drawbacks for me in working with Trading 212. Execution is on a high level, and I haven’t noticed any slippages. I even downloaded the mobile application to trade conveniently. All seems to be working fine, although I have seen that some people complain about it in reviews. I withdraw profit to a bank card and have no complaints about the timeframe for withdrawals. It would have been nice if the broker added access to cryptocurrency trading, as it is kinda relevant these days.

I started trading on the Trading 212 platform out of curiosity. I wanted to try trading stocks, but the majority of domestic brokers did not inspire trust. Many do not have even an offshore license. I spoke with an acquaintance of mine and it turned out that he had been working with Trading 212 for some time. He said the company had a British license, 10,000+ stocks and that it was even possible to trade stock splits without a commission. I read the reviews and there were negative ones, but not an overwhelming number of them.
In my case, I experienced an issue with funding the account. I got the impression that the broker suspects every trader of fraud or scams, thus requiring confirmation of the source of income. That, however, was only half of the problem, because later on, they refused to allow me to withdraw my profit! They claimed that my documents did not pass verification. Anyway, I decided to part ways with Trading 212. It didn’t work out with the broker, so I will be looking for a different one.

I began to trade with the broker in about October 2019. I didn’t know much at the time, such as what to look for in a broker. Now, however, I know I made the right choice with Trading 212. A good acquaintance of mine, who knows trading inside out, recommended the company to me.
The conditions here are average, but there are many perks, such as educational materials, a good level of support, and quick profit withdrawal. I would like for the broker to have some contests and tournaments among the traders. It’s the one thing that is missing for me. To be fair, I have considered other brokers, but the mediocre reputations of the candidates stopped me from going elsewhere. It is better to stay with a reliable company than to lose all your money on a scam.

The one thing lacking on Trading 212 for me was the cent account so that I could practice using minimum trading volumes. Well, it is possible to start with a demo account and test the platform and the conditions of the broker with no risks at all. The interface is not overloaded, I have not noticed any excessive features.
I liked the browser version of the platform. It operates like a clock. As for the mobile app, our relationship did not work out. Several times I stumbled on bugs and lost a couple of hundred dollars. Customer support considered my complaint but did not return the money. My verdict is: trade with Trading 212, but not via its mobile application. That incident is still raw. I hope the company listens to the opinions and requests of its customers.

Every user has their desires and requirements. Some need a low minimum deposit (here, it is only US$150), which is why even beginners can give it a try, while others require no deposit or withdrawal fees. For me, it was important that the broker pays, and not just make promises. There have been no issues with that; the company complies with the payment regulations. Sometimes, there may be delays due to the payment system itself. Once, it took three days for the withdrawal to Visa! The amount was big, so I almost turned gray from worry. Thankfully, it all worked out.

There are no issues regarding payments of profits on Trading 212. I’ve seen negative reviews with some users claiming they’ve had delays or rejections. Nothing of that kind ever happened to me. The most important thing is to provide all required documents for verification and pass verification successfully. The broker doesn’t offer a big choice of payment methods, but I managed to find a suitable option for the ones that are not available. The broker does not have PAMM investment, advisory management, or other interesting services for passive income, which is unfortunate. I thought I would be able to earn some good profits using the referral program, but that didn’t work. They offer good payments, but the conditions are too complicated.

Trading 212 positions itself as a well-promoted London company that deserves thousands of positive reviews. Based on my experience, it is quite standard for any broker to praise itself and try to stand out among its competitors. To be fair, this is not just another scam aimed at fleecing beginners. This broker failed me once. I remember that I sent an inquiry to customer support with an issue that I needed to be urgently solved (after all, they do promise 24/7 support). I had hoped they would help me. I waited for over a week and when I contacted them the second time and asked “WTF?”, I was told that they did not receive my first letter at all. How is that possible?

Author of this Review

Trading 212 broker’s review prepared by

John Davis

Traders Union Author and Analyst

John Davis is a Financial and Economic Analyst working with the Traders Union since 2016. During this time, he has written more than 100 analytical articles on technical and fundamental analysis, reviews of financial companies and has developed more than 10 proprietary trading systems. John's motto is to help everyone go from a novice to a professional trader.

All information posted on the Traders Union website is based on reliable and objective data. We have combined our 10 years’ experience in the financial sector and the feedback of our customers to provide you with a true picture of the best forex companies in the market. Detailed information about our methodology.

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Do reviews by traders influence the Trading 212 rating?

Any review can raise or lower the rating of any broker in the general list of brokers. To read reviews about Trading 212 you need to go to the broker's profile.

How to leave a review about Trading 212 on the Traders Union website?

To leave a review about Trading 212, register on the Traders Union website or you can also leave a review through Facebook.

Is it possible to leave a comment about Trading 212 on a non-Traders Union client?

Anyone can leave feedback about Trading 212 on multiple participating clients; however, Traders Union clients also receive additional payments later for working with any broker listed at the Forex market.

Why is it more profitable to work with Trading 212 through Traders Union?

Because you will receive additional payments from Traders Union every month while all other functions on your chosen trading platform remain the same.