Updated September 29, 2026 · BrokerCue Editorial Team
Trading 212 vs Wealthify
Where Trading 212 and Wealthify differ
| Compare | Trading 212 ReviewSee alternativesSee alternatives |  Wealthify |
|---|---|---|
| Minimum deposit | £1Lower | £1,000 |
| Markets | Stocks, ETFs, Forex, CFDs | Stocks, ETFs, Bonds, Funds |
| Regulators | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC)Covers more | Financial Conduct Authority |
| Platforms | Trading 212 App, Web Platform | Web, iOS app, Android app |
| Account types | ISA, SIPP, JointCovers more | ISA, SIPP |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Inactivity fee | £0 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | No fees for deposits, withdrawals or transfers |
Same on both: Investor protection (FSCS up to GBP 85,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Trading 212 scores higher overall: 9.3 vs 8.8.
- Regulators: only Trading 212 offers Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Founded is lower at Trading 212: 2006 vs 2016.
- Minimum deposit is lower at Trading 212: £1 vs £1,000.
- Markets: only Trading 212 offers Forex, CFDs.
- Markets: only Wealthify offers Bonds, Funds.
- Platforms: only Trading 212 offers Trading 212 App, Web Platform.
- Platforms: only Wealthify offers Web, iOS app, Android app.
- Account types: only Trading 212 offers Joint.
- Features: only Trading 212 offers Fractional shares, Demo account.
Our verdict on each
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | Trading 212 | Wealthify |
|---|---|---|
| Cost | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 9.2 | 9.4Higher |
| Trust | 9.5Higher | 8.7 |
How they place
| Ranking | Trading 212 | Wealthify |
|---|---|---|
| Stock and ETF brokers | 74 of 490 | 182 of 490 |
| Investment platforms and apps | 18 of 85 | 39 of 85 |
| Brokers for beginners | 28 of 88 | 54 of 88 |
| Stocks and shares ISA providers | 2 of 21 | 11 of 21 |
| SIPP providers | 2 of 22 | 10 of 22 |
If neither fits
Spreadex has minimum deposit at £0, against £1 for Trading 212 and £1,000 for Wealthify.
Spreadex reviewEvery fact side by side
| Fact | Trading 212 | Wealthify |
|---|---|---|
| Features | Fractional shares, Demo account, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Low fees |
| Audience | Beginners | Beginners |
| Legal entity | Trading 212 Markets Ltd | Wealthify Limited |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2006Lower | 2016 |
| Support channels | Not confirmed | Email, Chat, Phone, Help centre |
Where each stands against the rest
| Fact | Trading 212 | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £1lowest quarter | £1,000highest quarter | £25 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
Median across 16 listed brokers.
Pros and cons
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.
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
Who each suits
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.
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
Questions about each
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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.