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Interactive Investor vs Trading 212
Detailed comparison of fees, features and products
Feature Comparison
| Feature Comparison | Interactive Investor | Trading 212 |
|---|---|---|
| Wide Offering | ||
| Fractional Shares | ||
| Auto-Invest / DCA | ||
| Cash Interest (AER) | ||
| UK Support | ||
| Tax Certificate (CTC) | ||
| FSCS Protected (£85k) | ||
| Score | 6/7 | 7/7 |
Fee Comparison
| Fee Comparison | Interactive Investor | Trading 212 |
|---|---|---|
| Platform & Dealing Fees | From £4.99/month flat | £0 commission |
| Tax Wrappers (ISA/SIPP) | Free regular investing | £0 commission |
| Crypto Fee | N/A | N/A |
| FX Fee | 1.5% | 0.15% |
| Inactivity Fee | None | None |
| Deposit Fee | Free | Free |
| Withdrawal Fee | Free | Free |
| Min. Deposit | 0 | 1 |
Product Range
| Product Range | Interactive Investor | Trading 212 |
|---|---|---|
| Stocks | 40,000+ | 12,000+ |
| ETFs | 4,000+ | 6,000+ |
| Funds | 3,000+ | 0 |
| Bonds | 400+ | 0 |
| Crypto | 0 | 0 |
Pros & Cons
Pros
- ISA + SIPP + JISA available
- Flat fee (from £4.99/mo): great for large portfolios
- Regular investing: Free DCA
- FCA regulated + FSCS protected
- Excellent cash interest on large balances
- Best traditional flat-fee broker
Cons
- FX Fee: 1.5% (expensive for US stocks)
- Flat fees costly for small portfolios
- No fractional shares
- No crypto trading
Pros
- Stocks & Shares ISA: Free (no annual fee)
- £0 Platform Fee + £0 Dealing Fee
- FX Fee: 0.15% (lowest among UK neobrokers)
- FCA regulated + FSCS protected (£85k)
- Cash Interest: ~5% AER paid daily
- Pies & AutoInvest: Best auto-balancing feature
- Clear tax certificates for GIA
Cons
- No SIPP available
- No bonds or mutual funds
- Limited research tools
- Not suitable for complex trading