• Currency conversion is 0.15%, and the price list states it is never more than that, including at weekends. Mintos starts at 0.50% and publishes no pair table.
• You can avoid the conversion charge entirely by selecting the instrument’s own currency on the order from a multi-currency account.
• AutoInvest handles recurring contributions into ETFs you pick yourself, from €1 per slice — Mintos has no plan for self-selected ETFs.
• Market, limit, pending, stop and stop-limit orders on equities, against market orders only at Mintos.
• Uninvested cash held at a partner bank is protected up to €100,000 per person, per bank — a layer Mintos has no equivalent of.

The EU Invest account holds shares, fractional shares and ETFs only — no bonds, funds, options or futures. Share lending is not available on this entity at all.

• The rate: 0.15% on the live interbank rate. The price list states it is never more than 0.15%, and the weekend clause is explicit — no widening at weekends.
• It applies whenever funds are converted between currencies and on trades placed in a currency other than the account’s.
• It does not apply to dividends or to other corporate-action proceeds, which are credited after conversion at the interbank rate with no charge.
• You can avoid it entirely. The Invest account is multi-currency across twelve currencies, and each order lets you choose between your primary currency and the instrument’s own. Selecting the instrument currency removes the charge for that trade — but note there is no automatic top-up conversion, so an insufficient balance in the selected currency can leave an order partly or wholly unexecuted.
• Round trip: 0.15% in and 0.15% out works out to about 0.30% on a full round trip into and out of a foreign-currency instrument. That is arithmetic on the stated rate, not a quoted fee.

Source: Trading 212’s published Terms & Fees, EU Invest Terms of 6 August 2026 and multi-currency page, verified August 2026.

• Commission: €0 on stocks and ETFs in the Invest account, confirmed both on the price list and contractually. No custody fee.
• Account costs: withdrawals, statements, account closure and bank-transfer deposits are all stated €0. There is no account-opening, maintenance or inactivity row on the price list at all — not a zero line, simply absent. Do not read that as a zero.
• Funding: bank transfer is free with no limit, though the sending bank may charge. Cards, Google Pay, Apple Pay and other supported methods are free until €2,000 has been deposited cumulatively, after which 0.7% applies to the amount exceeding that threshold. The word on the price list is cumulative, not lifetime.
• Direct debit: SEPA Direct Debit is exempt from deposit fees, but it is available to German residents only and can be used solely to fund AutoInvest contributions — not as a general deposit method.
• Withdrawals: free from Trading 212 in all regions; the receiving bank may charge its own fee. Regular withdrawals take up to three business days, and withdrawals default to the original deposit method and source.
• Statutory levies: UK stamp duty, the PTM levy, French FTT, the FINRA fee and ADR charges apply where relevant and are passed through, with Trading 212 adding nothing.
• Still a cost: the bid-ask spread on every purchase.

Source: Trading 212’s published Terms & Fees, EU legal documentation and help centre, verified August 2026.

• Unless otherwise agreed, Mintos does not pay you any interest on funds kept in the Cash Account.
• Mintos may place those funds in money market funds, and its terms state the interest earned is retained by Mintos for its own benefit. There is no opt-in that changes this.
• Funds placed in money market funds are not held as client money under the client-fund safeguarding rules; the units are held as safe custody assets instead, segregated from Mintos’ own assets. If such a fund fails or falls in value, Mintos may decide to compensate you but states it is not obliged by law or contract to do so.
• Smart Cash is the only route to earning on cash, and it is a paid product: 0.19% a year to Mintos, deducted from interest payments, plus a separate 0.10% BlackRock management fee taken from the fund’s income before any payout. The underlying is the BlackRock ICS Euro Liquidity Fund, a short-term money market fund — not a deposit, and not covered by any deposit guarantee. Capital is at risk.

• Opt-in, requiring your express consent to the firm holding uninvested cash in qualifying money market funds. You can opt in or out at any time.
• If you do not enable it, cash sits in banks only, no interest is paid to you, and the firm keeps all the interest it receives. Where you do enable it, the firm retains all interest received and pays you a share of it.
• Paid daily on a 365.25-day basis, no minimum or maximum balance, and you can withdraw or invest at any time with no penalty. Rate cuts get at least one day’s notice; increases apply immediately.
• Money market fund holdings are client assets, not client money, and are not deposit-guaranteed. Trading 212 is not a bank. The firm’s own disclosure notes that if the fund holding your cash became insolvent you could lose some or all of those funds.
• Ten currencies pay interest — USD, EUR, GBP, SEK, NOK, DKK, PLN, HUF, CZK and RON. CAD and CHF pay none, despite both being available as multi-currency balances.

• The Investment Plan is contractually defined as a standing instruction to periodically increase the cash amount of a designated Portfolio, after which the cash is allocated per that Portfolio’s settings.
• That is why the Core ETFs portfolio has one — €50 minimum, automatic rebalancing and reinvestment — and why self-selected ETFs do not. There is no Portfolio for a plan to attach to, and the product page marks the Investment plan as coming soon.
• If the Cash Account balance is insufficient at execution, the increase is not executed at all for that period, except on a daily-frequency plan with partial allocation selected.
• Amount, frequency and schedule can be changed or cancelled at any time, effective from the next scheduled execution. Investments already made cannot be reversed. Pausing or temporary suspension is not offered for ETF Portfolios, unlike Mintos’ other portfolios.

• Two modes: across a Pie, where the contribution is split in proportion to each slice’s target weight, or into a single instrument with no Pie required. The single-instrument variant is shown on EU platforms as a Savings Plan.
• Execution-only. The firm exercises no discretion over timing, selection or allocation — enabling it is a specific instruction to place a buy order on each scheduled date.
• Minimum €1 per slice, and the total has to be large enough for the smallest slice to clear €1 — a 4% smallest slice therefore needs about €25. Minimum slice weight 0.1%, up to 50 holdings.
• If the amount is insufficient for a whole share, a fractional share is bought. If a scheduled investment cannot execute at all — insufficient balance, failed direct debit, market closed — you are notified and it simply does not run that date.
• Dividend reinvestment is on by default inside Pies, reinvesting only into the same holding, with sub-threshold dividends accumulating as Pie cash. Note that Pie cash is held in your primary currency, so conversions inside a Pie — including on dividend reinvestments — carry the 0.15% charge.

• Order types: market, limit, pending (buy limit, buy stop, sell limit, sell stop), stop and stop-limit on equities. A pending equity order cannot be amended once accepted — it has to be cancelled and replaced.
• Order mechanics: orders execute strictly in order of receipt. A reasonable buffer above market price, the Total Blocked Amount, is ring-fenced when you place the order and released after execution — it is not part of your available balance in the meantime. Order value is capped at 95% of available balance, and partial execution may be offered instead of outright rejection.
• Who executes: all EU equity orders are forwarded to Trading 212 Markets (Ireland) Limited, a separate group entity authorised by the Central Bank of Ireland on 1 December 2025. The Irish register records that it holds no client money and no safekeeping permission — it executes, it does not custody. It executes either on an external venue or through its own Systematic Internaliser.
• The firm’s own conflict disclosure: Trading 212 states that routing client orders to group entities rather than independent third-party brokers can create conflict-of-interest risks, such as prioritising the group’s commercial interest in retaining transaction volume or revenue. It states it remains fully responsible for best execution regardless, and selects the affiliated entity because it believes this delivers the best consistent result, particularly by eliminating third-party broker commissions.
• Off-venue execution: accepting the general terms constitutes consent to execution outside a regulated market. Off-exchange trades are executed at a price no worse than the prevailing best bid or ask on the reference exchange, though the firm discloses that this carries greater counterparty and settlement risk than on-exchange trading.

• The EU Invest account covers shares, fractional shares and ETFs. That is the complete list under this entity.
• No bonds. Bonds are a UK-entity product and are not available to EU clients. No funds, no options, no futures either.
• No stocks ISA and no SIPP — those are UK products and do not exist on this entity.
• No share lending. The programme is present on the UK and Cyprus entities and absent from the EU entity entirely, so accounts covering the Netherlands, Germany, France, Spain, Ireland, Austria, the Nordics and Switzerland cannot participate at all.
• Trading 212 does not publish an instrument or ETF count. The figures circulating online are not company-authored and should not be relied on.
• Multi-currency across twelve currencies on the Invest account: GBP, USD, EUR, CAD, CHF, DKK, NOK, PLN, SEK, CZK, RON and HUF. Your primary currency is fixed at signup and cannot be changed.

• All withdrawals are free from Trading 212; third parties, banks or processors may charge their own fees outside the firm’s control.
• Regular withdrawals take up to three business days. Non-card requests received in working hours are processed the same day, otherwise the next business day.
• Withdrawals default to the original deposit method and source. Exceptions need firm approval and proof the new method is in your name, and third-party deposits and withdrawals are not permitted at all.
• Withdrawals do not auto-convert on a multi-currency account: you select one currency balance, convert manually first if needed, and the destination bank account should match the currency or the receiving bank may charge FX and delay the payout.
• Sale proceeds may be unwithdrawable until settlement, usually T+2, though proceeds may be used to buy more shares before settlement.

• You contract with Trading 212 EU GmbH, BaFin ID 10109603, registered in Ratingen, Germany, and formerly FXFlat Bank GmbH. But an EU client with Invest, crypto and a card is served by more than one entity: the Irish entity executes every Invest order, the Cyprus entity supplies the crypto product and acts as intermediate custodian for a limited set of instruments, and the card is issued by a separate Bulgarian e-money firm.
• Investor compensation (EdW): up to 90% of the value of securities-transaction liabilities, but not more than €20,000 per creditor. The 90% applies first — it is not a flat €20,000. All accounts at the same firm are aggregated against that cap, and the payout term on a recognised claim is three months. There is no right to compensation to the extent funds are not denominated in the currency of an EU member state or in euros.
• Deposit protection: separately, uninvested cash held at a partner bank is protected up to €100,000 per person, per bank. For J.P. Morgan, the primary banking partner, the scheme is the EdB, with a seven-working-day repayment period. This layer has no Mintos equivalent.
• Custody is not the German norm, and Trading 212 says so itself. The standard German model gives investors direct co-ownership of a global note at the central securities depository. Trading 212 EU instead holds instruments in omnibus client accounts at external sub-custodians — Interactive Brokers and BNY Mellon — and your entitlement is a contractual right to delivery, a claim against the firm, rather than a direct right to the holding at a CSD.
• On an unreconciled shortfall arising from a custodian default, clients share the loss pro rata. The firm also discloses that pooled holdings may be temporarily drawn on intra-day to settle other clients’ orders in the same instrument.

• An Annual Statement covering full trading activity for the tax year, which Trading 212 states can be used when filing a return, plus a yearly costs and charges report, trading confirmations and account activity statements. All are generated in the app under Documents.
• Germany is the exception. Since 5 January 2026, Trading 212 EU has automatically withheld and remitted German capital gains tax, solidarity surcharge and church tax where applicable for German tax residents, issuing a Steuerbescheinigung from the 2026 tax year.
• That provision attaches to German tax residence, not to EU membership. Dutch, French, Spanish and all other clients under the same entity remain responsible for their own tax obligations.
• The separate Capital Income Statement provided to German residents is explicitly not a tax certificate — it is informational, without pre-calculated Anlage KAP lines, FIFO cost basis or final taxable gain figures.
• Dividends are credited after conversion at the interbank rate and remain exempt from the currency conversion charge.

• Want a straightforward ETF account and nothing more complicated than that.
• Will ever need a currency conversion — 0.15% capped, or €0 by selecting the instrument currency, against Mintos’ 0.50% floor.
• Want contributions placed automatically into ETFs you have chosen, from €1 per slice.
• Want limit and stop orders, and the ability to cancel and replace a pending one.
• Care that uninvested cash carries a €100,000 protection floor at a partner bank.
• Might one day want to move the account elsewhere and want that route to exist.