Trading212 vs Remitano: Fees, Security, Features & Which to Choose (2025)

Trying to choose between Trading212 and Remitano This side-by-side comparison reveals total cost (fees + spreads), security & licenses, coins/derivatives, deposits/withdrawals, and app quality. In 2 minutes you’ll see who wins for beginners, active traders, and long-term holders. Clear pros/cons, a quick verdict, and safe links to get started.

Last updated on August 23, 2025

Trading212

Remitano

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Available Countries

United States

Europe

Yes

Latin America

Yes

India

China

Canada

United Kingdom

Yes

United States

Yes

Europe

Yes

Latin America

Yes

India

Yes

China

Canada

United Kingdom

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Trading212 is ideal if:

Great if you want hands-off investing – Trading 212 offers features like automated “Pies” portfolios and recurring contributions to simplify building a diversified portfolio.
Ideal for multi-currency flexibility – You can hold and invest in multiple currencies within a single account, which helps reduce foreign exchange friction.
Best suited for casual or beginner investors – The platform’s intuitive interface, fractional share access, and educational tools make it a friendly environment for those starting out or preferring simplicity.

Remitano is ideal if:

Great for beginners – user-friendly, peer-to-peer model with escrow protection makes crypto buying and selling straightforward for new users.
Strong regional access – wide support for local payment methods in developing markets, making it highly accessible in many countries.
Limited for pros – lacks advanced trading tools and deep liquidity, so experienced traders may find it too simple.

Trading212 isn’t ideal if:

Not for advanced traders seeking sophisticated tools – lacks algorithmic trading, advanced order types, and third-party platforms like MT4/MT5.
Limited asset variety available – missing options like bonds, mutual funds, options, and has a narrow selection of cryptocurrencies.
CFDs carry high risk and hidden costs – volatility-prone leveraged instruments, wider spreads, and FX conversion expenses may deter cautious or risk-averse investors.

Remitano isn’t ideal if:

Not for fee-sensitive traders – peer-to-peer pricing can include seller markups and less transparency, making it less cost-effective than alternatives.
Too basic for advanced strategies – lacks margin, leveraged trades, and sophisticated order types for power users.
Dependent on counterparties – trade delays or stalls may occur if the other party doesn’t act promptly, disrupting the experience.

Fees & Total Costs

Spot Maker/Take

Trading 212 doesn’t operate on a typical maker/taker fee model or tiered volumes, nor does it offer discounts using a native token—fees are built into spreads and FX conversions, keeping the pricing straightforward and flat across all users.

Remitano operates mainly as a P2P marketplace where maker fees typically apply (around 1 %) and takers often pay none; there are no published volume-based discounts or native token rebates.

Futures/Derivatives

Trading 212 does not provide traditional futures or derivatives with maker/taker pricing or funding rates; instead, it offers CFDs with dynamic spreads and overnight holding fees, avoiding explicit derivative-style fee structures.

Remitano currently does not provide futures or derivatives trading, so there are no maker, taker, or funding fees to report.

Average Spreads on Liquid Pairs

While specific BTC/USDT and ETH/USDT spreads aren’t published publicly, Trading 212’s CFD spreads are dynamic and vary based on market conditions—more liquid instruments tend to carry narrower spreads, visible directly in the app’s instrument details.

As a P2P platform, Remitano doesn’t publish formal spread data for these pairs—prices are negotiated individually, so spreads may vary by offer and are not standardized.

Fiat Deposits & Withdrawals

Trading 212 supports multiple deposit and withdrawal methods—bank transfers, cards, e-wallets, etc.—typically with no service charges, and withdrawals are often processed quickly by the platform, though third-party or bank processing fees may apply depending on your provider and location.

methods, fees, timing

On-chain Withdrawals

Trading 212 does not support on-chain crypto withdrawals (e.g., to external wallets on Bitcoin, Ethereum, TRX networks), so there are no network-based fees to report.

fixed vs dynamic fee by network (BTC, ETH, TRX, etc.)

Hidden Costs

While Trading 212 charges no inactivity or express KYC fees, the primary less-obvious cost comes from its currency conversion fee whenever you trade or fund in a currency different from your account base—this is the main “hidden” expense to watch.

currency conversion, inactivity, KYC express, etc.

Real-World Cost Example: “€500 BTC

Let’s say you purchase €500 worth of BTC via Trading 212’s CFD interface—your cost includes the dynamic spread embedded in the buying price plus a small FX conversion if your account isn’t denominated in euros, making up the total cost you’ll see reflected after execution.

“Buying €500 in BTC” (fee + spread + withdrawal)

Crypto Offering & Trading Features

Number of Coins & Pairs

Trading 212 no longer offers direct cryptocurrency trading; previously it provided a limited selection of major crypto CFDs (roughly 10–15), without extensive pair support or detailed volume rankings available to users.

Remitano supports around 30–40 cryptocurrencies overall, with the most active pairings centered on BTC, ETH, USDT, XRP, and LTC, reflecting the highest liquidity and trading frequency.

Product Range

Trading 212 currently offers only CFD-based cryptocurrency exposure—no spot crypto, margin, perpetuals, options, crypto ETFs, staking, lending, copy trading, grid bots, or automatic DCA are available.

Remitano focuses on P2P spot trading and instant crypto-to-crypto swaps. It does not offer futures, margin, perpetuals, options, ETFs, grid bots, copy trading, or automated DCA—but it does support staking and some lending/earn products.

Liquidity

As Trading 212 doesn’t support actual crypto spot markets, there’s no public data for liquidity, 24-hour volumes, or order-book depth for BTC or ETH—you’re instead trading over-the-counter CFDs.

24h volume & order-book depth

Tools

Trading 212 includes basic tools like limit and stop orders and charting on web/mobile, plus alerts and AutoInvest functionality, but lacks advanced features such as OCO orders, native TradingView integration, or a public API/WebSocket.

You can place basic order types like market and limit, with swap functionality. There are price alerts and a clean interface (including mobile), but no advanced charting, OCO orders, TradingView integration, or full API/WebSocket feed.

Geographic Restrictions by Product

Certain products—especially crypto and crypto-derivative CFDs—are restricted in some regions like the UK due to local regulation, although crypto CFD access is expanding in jurisdictions with CySEC oversight.

Derivatives are not offered anywhere, and traditional P2P trading is unavailable in select regions like Canada, the UK, Singapore, and others, depending on local regulation.

Innovation

Trading 212 doesn’t offer features like launchpads or launchpools nor differentiated earn products (flexible vs locked); innovation has focused instead on user-friendly automation tools like Pies and AutoInvest.

The platform includes staking and earn products (flexible vs. fixed terms may vary by asset), as well as token swap tools—but lacks launchpad, launchpool, or structured investment pools beyond basic staking.

Security, Regulation & Custody

Operating Entity & Jurisdiction

The platform operates through several legally registered entities—Trading 212 UK Ltd (UK, regulated by the FCA), Trading 212 Markets Ltd (Cyprus, regulated by CySEC), FXFlat Bank GmbH (Germany, regulated by BaFin), and a branch in Australia (ASIC oversight)—all under the umbrella of Trading 212 Group Limited, founded in 2004 with current headquarters in London.

Grasp who runs it

Licenses/Registration

Trading 212 is authorised under major financial regulators: FCA in the UK, CySEC in the EU (subject to MiFID II), BaFin in Germany, and ASIC in Australia; while it is not a VASP, its EU operations align with MiCA’s regulatory architecture.

Remitano adheres to anti-money laundering (AML) and know-your-customer (KYC) protocols based on FATF frameworks but does not hold formal VASP/VISA licenses under EU MiCA or equivalent regulatory regimes.

Custody

Client assets and cash are held in segregated accounts with trusted third-party custodians—such as Interactive Brokers and Bank of New York Mellon—with daily reconciliations and both internal and external audits by firms like Buzzacott; there’s no public Proof of Reserves or cold storage percentage disclosed.

User funds are held through in-house custodial systems with most crypto stored offline in cold storage; however, there’s no public proof-of-reserves or verified audit disclosures available.

Insurance & Protection Funds

Clients benefit from compensation schemes: up to £85,000 under the UK’s FSCS via FCA regulation, up to €20,000 under the ICF in Cyprus via CySEC, and coverage under Germany’s EdW scheme via BaFin; in addition, CySEC-covered clients may receive extra insurance up to €1M per client.

The platform does not advertise insurance or user asset protection funds beyond its standard custodial responsibilities and escrow mechanism.

Incident History

Trading 212 maintains a largely clean track record; there are no publicly reported major hacks, platform-wide freezes, or regulatory fines—a testament to its stable operations and longstanding regulatory compliance.

There have been no widely publicized hacks or regulatory penalties against Remitano; the exchange emphasizes asset protection and operational stability in its communications.

Risk Controls

The platform offers standard protections such as two-factor authentication, anti-phishing advice, and strong infrastructure defence (like WAFs, DDoS mitigation, and penetration testing), though it lacks sub-account segregation or granular API permission options for users.

Remitano enforces two-factor authentication, withdrawal whitelist options, phishing safeguards, escrow-backed P2P trades, and periodic security audits to protect user assets and enhance transactional safety.

Transparency

Trading 212 publishes annual financial statements and audit oversight but does not offer public wallet addresses or monthly reporting for users, nor a formal service-level agreement (SLA) publicly—though its regulatory disclosures offer a degree of transparency.

The exchange does not publish monthly transparency reports, SLAs, or public wallet addresses—its operational disclosures remain limited, focusing more on user security than open audit data.

Deposits, Withdrawals, KYC & Support

Fiat Deposit Methods

Users can fund accounts via a wide range of payment methods—including bank transfers, instant bank transfers, cards, Apple Pay, Google Pay, iDEAL, and regional options like Carte Bleue or Blik; minimum amounts depend on account type but generally must be whole numbers (with exceptions for specific formats like ISA), and deposits are credited swiftly depending on method and region.

Users can deposit fiat via linked bank transfers or “Fiat Wallet,” with minimums and maximums emerging from their KYC level; processing times vary by country and can be near-instant in some regions or take up to a few days depending on banking systems.

Supported Fiat Currencies & Conversion

KYC (Verification Levels)

The platform enforces mandatory verification procedures that align with AML regulation; while they don’t advertise tiered KYC levels (like Basic/Advanced) publicly, completing verification fully—including adding and verifying payment methods—lifts limitations on withdrawals and access to features.

KYC is mandatory and structured in tiers—from basic phone verification to advanced identity and peer certifications—each unlocks higher deposit, buy, and withdrawal thresholds and broader functionality.

Withdrawals

Withdrawals must respect the original deposit method and are subject to method-specific limits until verification is complete; typical processing takes up to three business days, followed by transfer times that vary by provider—there’s no crypto-on-chain withdrawal functionality, so network distinctions like ERC-20 or TRC-20 don’t apply.

Crypto withdrawals depend on your verification level and support major networks like ERC-20, TRC-20, and BEP-20, with typical processing done within the blockchain’s normal timeframes, though exact thresholds and durations vary by region and asset.

Customer Support

Support is accessible via the app’s “Contact us” button or official form, and also by email or community forums; live chat availability fluctuates based on load, response times can vary during high volume, but there’s an extensive self-help knowledge base with detailed guidance on common queries.

Remitano offers round-the-clock live chat and email support, backed by a robust help center and forum—response times are generally quick for chat, with slightly slower email replies, and an extensive FAQ base for self-service.

Languages & Localization

The app interface supports multiple languages—including native Spanish—so users can navigate in their preferred language, with fees and amounts displayed in their account’s currency (e.g., euros), and client services and regulation adapted to each user’s jurisdiction based on where they register.

The platform operates natively in English and many local languages, displays fees in local fiat (EUR, USD, etc.), and adapts interface and regulatory disclosures to your country for a localized experience.

App Quality & Stability

Trading 212’s apps are regularly updated across iOS and Android, with stability improved over time via interface enhancements like streamlined withdrawal flows; while there’s no public crash rate figure, development notes suggest a focus on reliability and responsiveness.

The mobile and web apps are praised for reliability and ease of use, with fast deposits/withdrawals and a solid user interface; user reviews (e.g. Google Play) rate performance around 4.3 stars, indicating overall stability and regular updates.

Experience, Performance & Ecosystem

UX/UI

Trading 212 delivers an intuitive interface that lets users switch effortlessly between Invest and CFD modes, with a low barrier to entry for beginners; while there’s no official “Lite/Pro” toggle yet, a community-proposed “Pro mode” aimed at power users is under review.

The interface prioritizes simplicity—ideal for beginners—with clear navigation and essential features; it recently introduced a lightweight “Remitano Lite” mini-app within Telegram, offering ultra-fast trades and onboarding.

Performance

Overall, Trading 212 offers consistent execution speeds and reliable uptime, though users sometimes note interface sluggishness during sharp market moves—and while onboarding may lag in surges, there’s no widespread record of platform crashes during volatility peaks.

Trades generally execute swiftly thanks to P2P matching and escrow, even during volatile periods, and the platform’s minimal infrastructure helps avoid downtime; though in high-demand bull markets, KYC approvals might slow down due to verification surges.

Education

The platform features an unlimited, fully functional demo that mirrors both Invest and CFD accounts, complete with virtual capital and integrated tutorials, making it excellent for learning; it also offers educational resources in multiple languages, including Spanish.

Remitano does not currently offer formal learning modules like academies or demo trading tools, and while its Help Center provides support, there’s limited dedicated educational content—especially lacking in Spanish-language tutorials.

Community

Trading 212 supports an active community via its official user forums where updates, feedback, and tips circulate; while there’s no public Discord or Telegram channel, a referral program enables users to invite peers—usually offering bonuses or perks in return.

Remitano maintains an active official Telegram channel and bot for updates and support, in addition to a user forum and a referral program that rewards members for inviting others.

Integrations

Although advanced chart layouts on mobile have improved, and web charting is robust, Trading 212 lacks built-in TradingView integration, external bot support, or direct tax/accounting tool integrations—so users manage analytics and reporting separately.

The platform offers a clean in-app trading experience but lacks integrations with advanced tools like TradingView, external trading bots, tax calculators, or accounting software—favoring a streamlined, standalone approach.

Who Each One Is Best For

Trading 212 is ideal for beginners and buy-and-hold investors focused on simplicity, fractional investing, and automated portfolio building; it may feel limiting to professional or algorithmic traders who require advanced customization, deep integrations, or high-speed execution.

Remitano shines for users seeking fast, intuitive P2P trading—particularly newcomers and regional traders in developing markets—while those needing advanced features, automation, or deep analytics may find it too pared-down for their needs.