*Other fees may apply — Trading.com’s own qualifier on its zero-commission claim.

Fees are calculated and displayed in the platform before an order is submitted, so the cost of a specific trade is visible before you commit to it.

Each Investment Account has one base currency, chosen from EUR, USD, GBP, HUF, PLN and CHF. There are no sub-balances in other currencies, so a EUR-based investor buying a USD-listed share pays 0.25% converting in and 0.25% converting back out on the sale. An account based in USD pays no conversion on a USD-listed share, but withdrawing in a currency other than the account currency triggers the same conversion terms, and the FX risk on deposits and withdrawals sits with you.

Dividends are the exception. They are converted at the live interbank rate with no FX fee. That is unusual: many brokers apply their standard conversion rate to incoming dividends too.

FX fee only. Commission, handling and connectivity fees differ by broker and are covered on each broker’s own review.

On FX alone Trading.com sits level with DEGIRO’s AutoFX rate, below Lightyear’s EU rate, and above Trading 212. Against DEGIRO and Lightyear it charges no per-order commission on top. Against Trading 212 it loses on the rate: a buy and a sell of a US-listed share from a EUR account costs 0.50% in FX here and 0.30% at Trading 212, and holding dollars at Trading 212 does not change that, because moving euros into the dollar balance and back is charged at the same 0.15%. The funding method can reverse it. Trading 212 charges 0.7% on card, Google Pay, Apple Pay and similar deposits once 2,000 EUR has been deposited that way in total, while Trading.com charges no deposit fee of its own. For money funded by card above that threshold, Trading 212’s deposit fee and FX together come to 1.00%, against 0.50% here; funded by bank transfer, which is free at both, Trading 212 stays cheaper on a single buy and sell. To see what the difference compounds to over a holding period, run the FX drag calculator.

• Opt-in. Cash does not earn by default; you opt in or out by email at any time, and eligibility starts the day after opting in.
• No tiers. The rate differs by currency, as in the table above; within a currency there are no tiers, caps or maximum — the same rate at every balance size.
• Daily. Accrued on end-of-day uninvested cash and credited after midnight. No lock-in.
• Tax. Interest is taxable according to your residency, and reporting it is your responsibility.

Trading.com’s Order Execution Policy gives it two ways to fill an Investment Account share order:

You learn the execution venue after the order is filled, not before. Orders may be executed outside a regulated market or MTF, and agreeing to the terms counts as your prior consent to that. The policy itself states that this carries greater counterparty and settlement risk than trading on an exchange. Platform prices come from third-party reference sources and are an indication of the live market price rather than a fixed quote. The policy (clause 14.2) gives an indicative list of the execution venues on which the company places significant reliance, subject to change at any time; the one venue it names is CMC Markets UK Plc.

Custody. Shares are held through a nominee company, with Trading.com acting as custodian or appointing sub-custodians. Trading.com has confirmed that the sub-custodians’ names are not publicly disclosed — a policy position rather than an omission. Some EU brokers name theirs; if knowing exactly where your shares sit matters to you, that difference belongs in the decision. For how nominee holdings work in general, see nominee vs segregated accounts.

Voting and corporate actions. Proxy voting can be arranged on request where available, through the nominee. Where the custodian has to make one decision on behalf of all clients, you may not get the same choices as a direct shareholder.

The EUR 20,000 figure is investor compensation, not deposit protection. It is not the EUR 100,000 cover readers expect from a bank account — see investor protection in Europe for how the schemes compare. The terms also allow client money to be held outside the EEA, where different insolvency rules apply.

This website is operated by Trading.com Markets EU Ltd, registration number HE 328593, with registered address at 5 Eirinis Street, 3042 Limassol, Cyprus.

• Deposit methods: bank transfer, debit card or credit card, plus other methods that vary by country. No cash or cheques. Deposits are credited on a best-efforts basis within one business day of acceptance.
• Withdrawals: paid back to the source account by default; another account in your own name may be allowed after verification. Valid requests are processed by the end of the following business day.
• Fees: no Trading.com fee either way. On bank wires Trading.com covers its own side only, so correspondent and receiving-bank charges may apply.
• Dividends: collected by Trading.com and booked to your cash balance, converted at the live interbank rate with no FX fee. Withholding tax depends on your residency, the issuer’s country and the applicable treaty.
• US shares: a W-8BEN form is required; without it, 30% withholding applies to US dividends. See W-8BEN explained.
• Statements: trade confirmations in the platform, a monthly statement by email, and an annual costs and charges report in cash and percentage terms. Filing your own tax return remains your responsibility.

Support. Email at support.eu@trading.com, staffed Monday to Friday, 8:00 AM–12:00 AM GMT+2 (daylight saving may apply), with a virtual assistant 24/7 when the team is unavailable. No telephone dealing desk is mentioned in the terms.

Reputation. Trading.com’s Trustpilot profile showed a 3.8 / 5 TrustScore from 105 reviews when checked on 5 October 2026. The profile covers the brand across all its regions and products rather than the EU Investment Account alone, and the company invites customers to leave reviews — so treat it as a loose signal rather than a verdict on this account.

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