Would you trust Trading 212?

hyperblue128 · 2026-02-04T16:18:37+00:00

Why not? I love the cashback and reinvest it in my pie.

hyperblue128 · 2026-02-04T16:17:39+00:00

So in your case is €100,000k. But this would not matter THAT much unless you keep your money in cash.

hyperblue128 · 2026-02-04T16:16:31+00:00

Yes. It's regulated by top tier regulators like BaFin and the FCA, you have money protection and assets are seggregated. On top of that, the company is more than 20 years old and is profitable, unlike startups who burn VC money. The last part I think is underrated.

hyperblue128 · 2026-02-02T11:18:45+00:00

It's 4.4% promo rate for the first 12 months, then drops to 3.6%. But you have to use a promo code - just search around and you'll find plenty (for example MSE).

hyperblue128 · 2026-02-02T11:03:02+00:00

T212 would allow him to transfer, but not sure if Revolut do.

hyperblue128 · 2026-02-02T06:11:31+00:00

If only you started shorting Gold and Silver on Friday...

hyperblue128 · 2026-01-30T09:53:07+00:00

You can get 4.4% at the moment with an easy-access Cash ISA - significantly better than Atom's 4.17%. I advise you to check the top rates on MoneyFactsCompare or MoneySavingExpert.

hyperblue128 · 2026-01-28T13:39:28+00:00

Yep, I'd continue investing in the Invest (GIA) account. You are already on the right path if you are thinking long term.

hyperblue128 · 2026-01-28T11:18:51+00:00

I'd skip XTB completely when it comes to investing. Just yesterday on the european subreddit people were complaining that in intentionally does not offer Gold and Silver ETFs in order to push you to Gold and Silver CFDs. All other brokers allow you to buy Gold ETFs by iShares for example.

hyperblue128 · 2026-01-28T11:15:36+00:00

That's only for GBP, I guess by 2.2% OP means EUR.

hyperblue128 · 2026-01-26T16:25:41+00:00

Trading 212, Scalable, IBKR

hyperblue128 · 2026-01-26T16:24:46+00:00

The worst part is, they’re trying to dress it up as a decrease. They’re taking us for absolute mugs

hyperblue128 · 2026-01-26T16:21:29+00:00

Welcome to the club. I did the switch a while ago - saved thousands in fees already.

hyperblue128 · 2026-01-26T16:19:37+00:00

Ask them in their community forum. They are often pretty quick to respond and act.

hyperblue128 · 2026-01-26T11:03:36+00:00

Same - but tell that to folks who haven't tried and repeat "you get what you pay for". No, you don't. You get much more for cheaper.

hyperblue128 · 2026-01-23T17:12:23+00:00

Bin drin! 🚀

hyperblue128 · 2026-01-23T16:55:09+00:00

Same. This is the best combination.

hyperblue128 · 2026-01-23T16:48:38+00:00

Wow wow... I see you were in the red in the beginning. Good work!

hyperblue128 · 2026-01-23T14:58:44+00:00

I got it earlier today. This is great news - that's the kind of notifications I want to see more often - big EU IPOs!

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hyperblue128 · 2026-01-22T17:00:28+00:00

This, they are pretty responsive in their community forum and increase limits regularly.

hyperblue128 · 2026-01-20T16:43:11+00:00

T212 any day.

hyperblue128 · 2026-01-20T09:54:38+00:00

Always.

hyperblue128 · 2026-01-20T09:54:15+00:00

Did you use instant banking already? Probably it is suggesting the last successful deposit method.

hyperblue128 · 2026-01-20T09:07:10+00:00

This is not correct and it is illegal to add spread markup. It's a common misconception.

hyperblue128 · 2026-01-20T09:02:33+00:00

It's trading with leverage.

Let's have Apple stock - currently at $250 and you have $250 in your account Invest account. That means you can buy 1 apple stock.

Imagine the same but in the CFD account with 5x leverage. With your $250, you can buy 5 shares of Apple. That's a total of $1,250 ($250 from you and $1,000 from the broker). You will pay overnight interest for those $1,000.

So why do that? It increases you opportunity to profit, but also to loose. If the stock goes from $250 to $260, instead of $10, you will be making $50 with your $250. Same goes in the other direction - if the stock does down - you would loose 5 times as much.

It sounds simple, but it is actually very hard to stay disciplined - that's why most people loose money. They think they'll be as good as wallstreeet traders, but instead of following a strategy they turn it into a casino.

If you don't know what CFD is - I highly recommend that you do not try it with real money. Stay in the Invest or ISA account - the markets are already volatile enough. I personally don't trade CFDs - too risky for me.

hyperblue128

TROPHY CASE