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Invest · Broker comparison
Trading 212 vs eToro
Trading 212 vs eToro for UK and European retail investors — FX fees, ISA availability, real shares vs CFDs, social trading, and which to choose.
Trading 212 charges 0.15% FX conversion vs eToro's 1.5% — 10x cheaper. Trading 212 also offers a Stocks & Shares ISA and gives UK users real shares (not CFDs). For cost-conscious UK/EU investors, Trading 212 is the better choice.
Trading 212
5
metrics won
$15
FX cost per $10k
✓ Winnervs
0 ties
eToro
2
metrics won
$150
FX cost per $10k
Trading 212 vs eToro: Full comparison
| Metric | Trading 212 | eToro | Better |
|---|---|---|---|
FX fee | 0.15% | 1.5% | Trading 212 |
FX cost per $10,000 | $15 | $150 | Trading 212 |
ISA (UK) | Yes | No | Trading 212 |
Real shares (UK/EU) | Yes | Mostly CFDs | Trading 212 |
Social/copy trading | No | CopyTrader | eToro |
Withdrawal fee | $0 | $5 | Trading 212 |
Crypto trading | Limited | Yes | eToro |
Our verdict
Trading 212 is the better pure investing platform for UK/EU users — lower FX fees, Stocks & Shares ISA, and real shares for all assets. eToro's CopyTrader social feature is genuinely useful for investors who want to follow professional traders or don't want to pick stocks themselves. If you're a DIY investor, Trading 212 wins clearly. If you want to copy strategies from top performers, eToro's social layer is worth the higher fees.
When to choose each
Choose Trading 212 if…
- UK investors who want an ISA wrapper
- DIY investors who pick their own stocks
- Cost-conscious investors making regular monthly investments
Choose eToro if…
- Investors who want to copy professional trader portfolios
- Social investors who enjoy community features
- Crypto + stock investors who want everything in one place
Frequently asked questions
Does Trading 212 have an ISA?
Yes. Trading 212 offers a Stocks & Shares ISA with a £20,000 annual allowance. All gains and dividends are tax-free. No ISA management fee. The 0.15% FX fee still applies for non-GBP investments within the ISA.
Does eToro give real shares to UK users?
eToro provides real shares for UK users on the 'Invest' account for most stocks. However, some assets (particularly those not available on UK-regulated exchanges) are CFDs. Always check the asset info before buying — eToro labels CFDs clearly.
Compare all brokers by FX cost
Full rankings by FX cost per $10,000 invested