Trading 212 (T212)

They have now opened and I finally got my account too.
Is anyone here using their Pies feature? Any thoughts on funding the pie “by targets” vs “self-balancing”?
(sorry for posting this here, but the T212 topic is closed)


I hope you don’t mind, but I’ve reopened the T212 topic and moved your post here.


Ye - I’ve got the daily dividend pie - It’s a really cool feature and safe to say the daily dividend pie is doing much better than the stocks I chose to invest in myself :joy: :sob: Metro bank will one day come back to life :crossed_fingers:

Not sure exactly what you mean by this but pretty sure I let it self-balance - I let dividends re-invest and I deposit more into the pie every now and then and it automatically splits it between the stock as per the %'s I’ve set. I did manually remove a couple of stocks at the start when i initially copied the pie because I didn’t like their environmental impact.

I’d definitely recommend their pie’s feature :slight_smile:


Thanks for the response mate!

Here’s what I meant by “by targets” vs “self-balancing”:

If I choose “By targets” it will distribute the funds according to their original targets.
If I choose “self-balancing” it will invest more in stocks that are below their targets, and less in stocks that are above their targets.

I joined T212 via a referral link, and received a free Mercedes share (worth about £60). So pretty chuffed! Interested to see whether anyone else received a good free share? Supposedly they can be worth anywhere up to £100.

As a side note, my referral link is here if anyone else wants to see what they get.

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Referrals in the referrals wiki please! :slight_smile:

My apologies for any poor etiquette on my part! I’ve just followed your link, but I think that post has been locked due to inactivity?

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No worries, it’s quite hidden away to be honest :slight_smile:

If you look at the very bottom of the original post, is there an ‘Edit’ option for you? I can still edit/add links

So does anyone use T212 for S&S ISA? Currently using Vanguard but I’d be interested in jumping ship.

I am using it. It’s ok. They only allow cash transfers in and out. And the range of investments is different. I.e. ETFs from Vanguard and others are available, plus stocks. But not mutual funds.

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To be fair I’d only really use it to invest in Vanguard ETFs anyway, I just wish Vanguard had a nice app so I don’t have to use the website.

Would you recommend switching to T212 for that alone?

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I’d compare them more broadly if you’re wanting to. I use T212 for S&S ISA exclusively, but as part of it, use the Pies features to track various other pies, as well as investing directly in other things. I have a dividend pie that I put £100 into every month & other things I invest in monthly.

T212 is pretty good, and I’d probably still use it even if other options were around - as I cba moving stuff around.


Vanguard ISA pays interest on cash (3.1% right now), is flexible (can withdraw and redeposit money), allows direct debit regular investing.

Trading212 has sometimes more ETF variants that are divided reinvesting, or one put income ETF into a Pie to automatically reinvest dividends.

Both have portfolio performance tracking - vanguard is accurate, trading212 misscalculates things a bit.

If the unique vanguard features are a deal-breaker don’t switch.


I assume you can invest in single stocks rather than just funds like Vanguard? Not sure it’s worth the effort even though the app looks really nice.

Yeah there’s about 12000 individual stocks you can invest in (about 8500 are categorised)

100s of ETFs too.

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Ahh nice, so I can buy Apple stock in my S&S ISA for example?

Can I open a general account or do I have to open a specific account? Like on Freetrade you can open a GIA then go in and open ISA etc after. Also is there any fee signing up?

Trying to figure out if I can open an account now then open the ISA in April or if I need to just wait until April.

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You can open a S&S ISA and a general.

Yeah you could buy Apple


You tap the icon in the top left to switch between

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For S&S ISA T212 is the way to go. From now on, I would consider using other brokers only if they have the Pie feature - it’s a dealbreaker for anyone serious about investing for the long term.
You can also have GIA with them if you want or if you exceed the £20,000 ISA deposit limit for the year.

As for Vanguard - I was a huge fan of Jack Bogle and the company as a whole. Unfortunately, they are not fit for post-2020 era as an investing platform (just my opinion). I would still use them for other types of accounts like SIPP.


I just put my money in VWRP in T212