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Broker Comparison

M1 vs Trading 212

Compare M1 and Trading 212 side by side: fees, regulation, platforms.

M1

M1

Long-term investors using automated portfolios

M1 combines automated Pies for stocks, ETFs, funds and crypto with scheduled trade windows, cash accounts and…

VS
Trading 212

Trading 212

Cost-conscious stock and ETF investors

Trading 212 offers commission-free investing in stocks and ETFs, fractional shares from £1, multi-currency ac…

Head-to-head comparison

M1 vs Trading 212
Feature M1 Trading 212
Minimum deposit — £1, €1, $1
Stock trading fee Regulatory expenses occur when users sell a stock or ETF —
Regulators SEC, FINRA FCA, BaFin, CySEC, ASIC
Best for Long-term investors using automated portfolios Cost-conscious stock and ETF investors
Markets & account
Stocks
ETFs
CFDs
—
Crypto
—
Funds
—
Investment Plans
Margin
—
Fractional Shares
—
Ready Made Portfolios
—
Money Market Funds
—
Multi Currency
—
Isa
—
Sipp
—

Pros & cons

M1

M1

Pros

  • No commission, trading or management fees on self-directed brokerage accounts
  • Pies invest new deposits toward target allocations automatically
  • Dynamic rebalancing buys underweight Slices first
  • One-click rebalancing returns a Pie to preset targets
  • Cash accounts show 3.10% APY and FDIC insurance up to $4.75 million
  • Margin loans shown at 5.65% with no minimum payment or late fees
  • Crypto Pies use Bakkt custody and can trade 7 days a week

Cons

  • $3 platform fee applies below $10,000 in M1 assets unless waived
  • Trades execute during scheduled trade windows, not in real time
  • Crypto holdings are not FDIC or SIPC insured
  • Crypto on-demand trading is limited to 10 trades per calendar month
  • Margin loans require at least $2,000 invested in eligible accounts
  • Crypto can't be included in an IRA
  • Outgoing account transfers cost $100
Trading 212

Trading 212

Pros

  • Free trading commission reduces dealing costs
  • Free custody keeps ongoing account costs low
  • Fractional shares start from £1
  • 0.15% FX fee on currency conversions
  • Free bank transfer deposits
  • Trading 212 does not charge withdrawal fees
  • Portfolio transfers are automatic, paperless and free
  • ATM withdrawals are free up to £400 per month

Cons

  • Card and wallet deposits cost 0.7% after £2,000 cumulative
  • Physical card costs £4.95
  • ATM withdrawals above £400 per month cost 1%
  • UK stamp duty is 0.5% on UK share purchases
  • PTM levy is £1.5 on UK share trades over £10,000
  • ADR fees may be $0.01-$0.05 per share each year
  • FINRA fee is $0.000195 per share on US share sales
M1

M1

M1 combines automated Pies for stocks, ETFs, funds and crypto with scheduled trade windows, cash accounts and margin loans.

Visit M1 Read review

Your capital is at risk. Other fees apply.

Trading 212

Trading 212

Trading 212 offers commission-free investing in stocks and ETFs, fractional shares from £1, multi-currency accounts, cash interest, ISA, SIPP and CFD access.

Visit Trading 212 Read review

Your capital is at risk. Other fees apply.

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