InvestEngine vs Trading 212

No. Trading 212 only offers accounts for personal (retail) use and doesn’t offer a business or corporate investment account. If you run a limited company, InvestEngine’s Business Account lets you invest surplus company cash in ETFs without taking the money out of the business.

Capital at risk. The value of investments can go down as well as up, and you may get back less than you invest. This information is for general purposes only and does not constitute financial advice.

Yes. Trading 212 has launched a Self‑Invested Personal Pension, but it’s being rolled out gradually through a waitlist, so not all customers have access yet. Please refer to Trading 212’s website for current availability and details.

Yes. Once you’ve submitted your transfer request, you can track its progress from your portfolio dashboard, where you’ll see your previous provider’s name, your reference number, and an estimated completion date. We’ll also email you to confirm when we receive your cash or in‑specie transfer, and we’ll keep you updated if there’s any delay.

Common reasons include:

• wanting a pension alongside an ISA, particularly while access to Trading 212’s pension is still being rolled out
• consolidating into an exchange‑traded fund‑only setup
• using InvestEngine’s £0 platform fee and £0 dealing fees for do‑it‑yourself ETF investing

ETF costs apply. Fees comparisons are based on publicly available information from Trading 212’s website as at 12/06/2026 and are for illustration only. They may not capture all charges or reflect individual circumstances. Please refer to the provider’s website for up‑to‑date fees and product details.

An ISA and a SIPP are different tax wrappers that do different jobs, so it isn’t necessarily an either/or choice — many people hold both.

• Individual Savings Account (ISA): accessible at any time, with no tax on gains and income within the account
• Self‑Invested Personal Pension (SIPP): designed for retirement, includes tax relief on contributions, and is generally not accessible until the normal minimum pension age

InvestEngine offers a SIPP with no account fees on its DIY service (you pay only the underlying ETF costs), alongside its ISA, so you can hold both in one place. Whether a SIPP is right for you depends on your goals and circumstances.

Capital at risk. Tax treatment depends on your individual circumstances and may change. This information is for general purposes only and does not constitute financial advice.

Trading 212’s Stocks & Shares ISA is generally marketed as having:

• £0 platform fee
• £0 dealing commission for shares and ETFs

Costs can still apply in common situations, including:

• foreign exchange fees when trading non‑GBP instruments (for example, buying US‑listed shares)
• taxes or levies where applicable (for example, UK stamp duty on UK shares)

ETF costs apply. Fees comparisons are based on publicly available information from Trading 212’s website as at 12/06/2026 and are for illustration only. They may not capture all charges or reflect individual circumstances. Please refer to the provider’s website for up‑to‑date fees and product details.

InvestEngine doesn’t charge you to transfer an ISA in. Trading 212 also states that portfolio transfers (in or out) are free of charge, so you shouldn’t pay a transfer or exit fee on either side. Fees and terms can change, so it’s worth checking Trading 212’s current terms before you start.

Fees comparisons are based on publicly available information from Trading 212’s website as at 12/06/2026 and are for illustration only. They may not capture all charges or reflect individual circumstances. Please refer to the provider’s website for up‑to‑date fees and product details.

Most ISA transfers complete within 30 days, in line with HMRC guidelines, and many are faster. The exact timing depends on Trading 212’s process and whether it’s a cash or in‑specie transfer. We handle the admin with Trading 212 and keep you updated throughout.

Yes. You can transfer an existing Stocks & Shares ISA (or Cash ISA) to InvestEngine without losing your tax benefits, and it won’t use up your annual ISA allowance. Sign up or log in, choose the ISA you want to transfer into, and complete our online transfer form with your Trading 212 account details — we’ll then handle the admin with Trading 212 for you.

Where possible, we transfer your holdings ‘in specie’ (without selling them), but this applies only to ETFs available on the InvestEngine platform and into DIY portfolios. Because Trading 212 also offers individual shares and a wider range of investments, anything we don’t support — including individual stocks and any ETFs not on our platform — would be sold by Trading 212 and transferred to us as cash, meaning you would be out of the market until that cash is sent over.

Always use the official ISA transfer process rather than withdrawing the money yourself, as withdrawing and re‑paying in could use up your ISA allowance. A current‑tax‑year ISA must be transferred in full; partial transfers are only available for previous tax years’ ISAs, and as cash.

Capital at risk. ISA transfers may have implications for your investments — please consider all factors before deciding to transfer.