Updated September 29, 2026 · BrokerCue Editorial Team
growney vs Trading 212
What sets them apart
| Compare |  growney | Trading 212 ReviewSee alternativesSee alternatives |
|---|---|---|
| Markets | ETFs, Funds | Stocks, ETFs, Forex, CFDs |
| Regulators | Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC) |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Joint, Corporate | ISA, SIPP, Joint |
| Minimum deposit | Not confirmed | £1 |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Deposit and withdrawal fees | Tages- und Festgeld kostenlos | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
| Interest on cash | 2.25% | Not confirmed |
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Key differences
- Regulators: only growney offers Bundesanstalt für Finanzdienstleistungsaufsicht (BaFin), Deutsche Bundesbank.
- Regulators: only Trading 212 offers Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Founded is lower at Trading 212: 2006 vs 2014.
- Trading 212 is licensed in 1 more country.
- Markets: only growney offers Funds.
- Markets: only Trading 212 offers Stocks, Forex, CFDs.
- Account types: only growney offers Corporate.
- Account types: only Trading 212 offers ISA, SIPP.
Our verdict on each
growney
growney suits beginners in Germany who want savings and a managed portfolio under one roof, with joint and corporate accounts offered alongside ETF, ESG and cash portfolios. Entry starts at €25, and cash is offered at 2.25%, so a saver can begin small.
Trading 212
Trading 212 suits UK and European beginners who want flat costs: a stock trade fee of £0, an account fee of £0 and an ISA, SIPP and joint account. Forex and CFDs share the same menu, so the easy entry is the reason to look closer, not to trade heavily.
Score breakdown
| Area | growney | Trading 212 |
|---|---|---|
| Cost | 8.9Management fee of 0.38% to 0.68% a year against a robo-advisor median of 0.35%, with deposits and withdrawals free. | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. |
| Offer | 9.6Higher | 9.2 |
| Trust | 9.4 | 9.5Higher |
Choosing between them
Pick growney if offer matter most.
Pick Trading 212 if cost matter most.
How they place
| Ranking | growney | Trading 212 |
|---|---|---|
| Stock and ETF brokers | 70 of 471 | 83 of 471 |
| Brokers for beginners | 22 of 88 | 28 of 88 |
Where these facts come from
growney
- growney.de: 11 facts, checked September 26, 2026
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | growney | Trading 212 |
|---|---|---|
| Features | Not confirmed | Fractional shares, Demo account, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | growney GmbH | Trading 212 Markets Ltd |
| Headquarters | Germany | Cyprus |
| Founded | 2014 | 2006Lower |
| Support channels | Phone, Chat, Email, Help centre | Not confirmed |
Where each stands against the rest
| Fact | growney | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £1below the median | £20 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
| Interest on cash | 2.25%below the median | Not confirmed | 3% |
Median across 43 listed brokers.
Pros and cons
growney
Pros
- Day and fixed-term deposits carry no deposit or withdrawal charge.
- German supervision through BaFin and the Deutsche Bundesbank, with protection at EU ICS up to EUR 20,000.
- Help runs on phone, chat and email, so a first-time investor has several routes to an answer.
Cons
- The management fee of 0.38% to 0.68% a year is the main ongoing cost, sitting above providers charging 0%.
- Instruments run to etfs and funds, so there is no direct share dealing here.
- Account types are limited to joint and corporate.
Trading 212
Pros
- Nothing to pay for holding or for going quiet: the account fee reads £0 and the inactivity fee reads £0.
- Trading shares costs £0, the same stock trade fee eToro lists at $0, so the trade price is not the reason to move.
- The entry of £1 sits under the $5 Vantage asks for, which matters for a first transfer.
Cons
- The market list pairs shares and ETFs with forex and CFDs in stocks, etfs and forex, so a platform aimed at beginners, beginners, also carries leveraged products.
- The fee sheet is the easy part: retail accounts lose money at 70.15% across the brokers compared, and a £0 trade cost does not remove that risk.
- The money side runs through Trading 212 Markets Ltd in Cyprus, registered with the Cyprus Securities and Exchange Commission as MiCA CASP 21380045KC28948FNE32, so a UK saver is dealing with a Cyprus entity alongside the UK one.
Who each suits
growney
Who it suits
- Beginners in Germany who want savings and a managed portfolio without choosing holdings themselves.
- Couples and companies, since joint and corporate accounts are supported.
- Anyone who wants day and fixed-term deposits alongside an invested plan.
Who should look elsewhere
- Not eToro, which charges 0% in management fees and suits people who place trades themselves.
- Not Axos Invest, whose minimum starts at $100 against €25 here.
- Not Vivid Standard, where plans run at 0.5% to 1.5% a year against 0.38% to 0.68% here.
Trading 212
Who it suits
- Beginners and small regular investors who want a low bar to entry, since the minimum deposit is £1 and the app and demo account in fractional shares, demo account and mobile app support a cautious start.
- UK and European savers who care about holding cost, because the account fee of £0 and the inactivity fee of £0 leave the account free to sit and free to open.
- Savers who want a tax-wrapped and shared holding together, since isa, sipp and joint covers an ISA, a SIPP and a joint account under one provider.
Who should look elsewhere
- Not for forex and CFD traders who want a deeper market list: Trading 212 stops at stocks, etfs and forex, while eToro and Vantage cover more of the leveraged side.
- Not for anyone who needs a no-cost opening: CFI takes a minimum deposit of $0 against the £1 asked here.
- Not for savers who want a bigger spread of wrappers: the account range is listed as isa, sipp and joint, which does not stretch to every tax-sheltered account type.
Country by country
| Country | growney | Trading 212 |
|---|---|---|
| Germany | Yes | No |
Questions about each
growney
What does growney charge to manage my money?+
growney takes a management fee of 0.38% to 0.68% a year on the portfolio it runs. That is the main ongoing cost, and it sits in the middle of the robo-advisor range, where the upper quartile reaches 0.6%. Day and fixed-term deposits add no deposit or withdrawal charge.
How much do I need to start with growney?+
The minimum investment is €25, below the robo-advisor median of €60.06. A low entry suits a beginner trying a managed approach, and it makes it easy to hold a small portfolio while the rest of the money sits in savings.
Trading 212
What is the minimum deposit to open a Trading 212 account?+
The published minimum deposit is £1, low enough to open and fund in one step. That entry sits under the €4.64 level seen across the brokers compared here, and under the $5 Vantage asks for, so a small first transfer is enough to get going.
Does Trading 212 charge for keeping an account open or leaving it idle?+
The account fee reads £0 and the inactivity fee reads £0, so neither holding the account nor letting it sit dormant is billed on the published sheet. The €10 inactivity level across the brokers compared sits well above that floor, which is where dormant-account charges usually show up.
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