Is Trading 212 safe?
Your account stays safe from unauthorised firms because Trading 212 UK Limited has Financial Conduct Authority authorisation under reference number 609146. Authorisation means the firm must meet UK standards and has permission to provide the services it offers you. If the firm goes bust, you have protection, but trading can still make you lose money.
Authorised by the FCAFRN 609146on the register since 1 Oct 20144 clone firms on the register
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. When retail investors trade CFDs with this provider, 75% of their accounts lose money. You should consider whether you understand the way CFDs work and whether you can afford the high risk of losing your money.
The wording on trading212.com comes from Trading 212 itself. Read date: 2 Nov 2026.
How Trading 212 compares on loss rate with the wider field
Firms on the register that copy Trading 212
The FCA register includes 4 clone firms that use this firm's name or details., and none of them is Trading 212 UK Limited.
- Added 19 Aug 2022: Trading212pro / Tradingpro212, a clone of an FCA authorised firm.on the register from 19 Aug 2022
- Added 23 Jul 2020: TRADING212, which is a clone of an authorised firm.on the register from 23 Jul 2020
- Added 01 Nov 2022: Win Traders / Win4Trader (Clone of FCA Authorised Firm).on the register from 01 Nov 2022
- Listed as a Clone of FCA authorised firm: 212 Europe Limited, 212 Europe Limited UK Ltd and 212 Europe Limited Ltd. Added 06 Mar 2025.on the register from 06 Mar 2025
Read 2 Nov 2026. Source: FCA Financial Services Register.
What protects your money
| FSCS | The Financial Services Compensation Scheme can provide coverage of up to £85,000 per person if Trading 212 UK Limited, an FCA authorised UK firm, fails owing you money. |
|---|---|
| Negative balance protection | Yes, as the broker states |
| Client money | The register shows permission to hold client money |
Read 2 Nov 2026: fscs.org.uk/what-we-cover/investments; trading212.com/cfd, read 2 Nov 2026.
If Trading 212 were to fail
On the Financial Services Register, Trading 212 UK Limited has FCA permission to handle your client money. Should the business fail, the Financial Services Compensation Scheme, or FSCS, may step in. You receive protection if a failed provider can't repay all the money or assets that it holds for you.
After 1 April 2019, if an investment provider fails, you can claim up to £85,000 for each eligible person, per firm. The FCA or the Prudential Regulation Authority must regulate both the firm and the work it does for you. Poor investment performance isn't something you can claim for. Investment values move down as well as up.
The Financial Ombudsman Service can review any complaint that the firm hasn't resolved. For an investment problem, it can help when the FCA regulates the business.
Check the firm and its website
- On register.fca.org.uk, open the register entry for FRN 609146.
- Confirm that Trading 212 UK Limited appears as the name and that Authorised is the status.
- Check the address in your browser against the website shown on the register, www.trading212.com.
- Calls or messages asking you to move money should make you wary, as should any name listed among the clones above.
Trading 212: review of costs, platforms, deposits and withdrawals
Other options besides Trading 212: other FCA authorised CFD brokers
Each firm sits in A to Z order, with none ranked above another.
Common questions answered
Is Trading 212 FCA regulated?
Trading 212 UK Limited received authorisation from the regulator on 1 October 2014, with www.trading212.com listed as its registered website. You can use the Trading 212 app and web platform to access over 13,000 global stocks and ETFs through an Invest or ISA account. A CFD account is also available, with more than 180 forex pairs. The firm's register record appears here, and any historic fines can be checked on the Financial Services Register.
With Trading 212, is my money protected?
Ask the firm before investing to confirm that the activity it carries out for you is regulated and protected by FSCS. Negative balance protection is included in retail accounts. Retail leverage is capped at 1:30 on major currency pairs, 1:20 on minor pairs, 1:10 on other commodities and 1:5 on stocks and ETFs. Even so, CFDs are complex instruments. With this provider, 75% of retail investor accounts lose money. Only invest if you're prepared for the possibility of losing your money and can afford that loss.
Is Trading 212 legitimate for UK investors?
It holds authorisation as a UK firm. It isn't merely registered or operating without permission. Because the FCA regulates it, you can complain to the Financial Ombudsman Service free of charge. Administrative errors, overcharging and misleading information are among the problems covered for CFDs, individual savings accounts and stocks and shares. You must first make a formal complaint to the firm. If they don't reply or their final response doesn't satisfy you, the ombudsman can tell them to correct the problem.
How do firms copying Trading 212 work?
Fraudsters use clone firms, which are unauthorised copies of genuine businesses, to con you. The FCA register identifies 4 clone firms connected with Trading 212 UK Limited. Scammers often imitate the firm by using its name, address or reference number. Fraudsters may contact you from different phone numbers or addresses using Outlook or Gmail while pointing you to www.trading212.com. They might even say the register is out of date, although on average the FCA updates it every 24 hours. Ensure the contact details you're given agree with those in the FCA Firm Checker. Call the FCA on 0800 111 6768 if you believe a fraudster has contacted you.