Trading 212’s Spend & Invest feature lets you automatically invest spare change or cashback from card purchases into a chosen Stock, ETF, or Pie, with the option to boost contributions using a multiplier.
💡 Earn 1.5% cashback when you round up your cashback and invest it into any stock, ETF or Pie of your choice. See our T&C here.
How to invest your spare change?
Whenever you make a purchase with your Trading 212 card, you can round up the amount to the nearest whole number and invest the difference into a Stock, ETF, or a Pie of your choice.
To enable it:
Open your favourite stock, ETF or Pie
Go to the new Spend & Invest section
Enable "Invest Spare Change"
🤓 Tip
You can also choose to apply a multiplier (x1–x5) to boost your spare change investments.
❗️ Important
Once you select a desired stock or ETF, we'll automatically create a Pie for you after your explicit consent.
How to invest your Cashback?
You can also invest the cashback earned from your Trading 212 card purchases. The cashback will be transferred to your Stock, ETF, or Pie.
To enable it:
Open your favourite stock, ETF or Pie
Go to the new Spend & Invest section
Enable "Invest Cashback"
❗️ Important
Once you select a desired stock or ETF, we'll automatically create a Pie for you after your explicit consent.
Each transaction rounds up based on the currency:
GBP, USD, EUR, BGN, CAD, CHF: Rounded to nearest whole number
PLN, RON: Rounded to nearest multiple of 5
SEK, NOK, DKK, CZK: Rounded to nearest multiple of 10
HUF: Rounded to the nearest multiple of 100
How do multipliers work?
You can apply a multiplier (x1 to x5) to the spare change invested from each card purchase.
📄 Note:
The extra amount from the multiplier is still withdrawn from your free funds.
Can I invest change or cashback in multiple Pies?
No. Each feature can only be linked to one Pie at a time. If that Pie is deleted, the feature will be disabled automatically.
Can I switch the Pie I invest spare change or cashback into?
Yes. You can switch your selected Pie at any time. When you choose a new Pie, the previous one will be automatically deactivated and replaced. You’ll be asked to confirm the switch before it takes effect.
📄 Note:
You can only invest in one Pie at a time per feature (Spare Change or Cashback).
Where can I set up Spare Change and Cashback investing?
You can set up Spend & Invest in two ways:
Directly from the screen of your chosen stock, ETF, or Pie
From the Card tab in the app
In the Card tab, you’ll find both Spare Change and Cashback investing options, allowing you to manage and enable each feature easily.
Which currency wallet will be used?
All investments are handled in your main account currency. For non-main account currency purchases, the converted amount is withdrawn from your main wallet. No FX fee applies for these internal conversions.
Can I disable these features?
Yes. You can toggle either one off at any time from the Cards menu. To do so:
Go to the Card’s tab Spend & Invest section
Click on Disable "Invest Spare Change" or “Invest Cashback”
📄 Note:
The cashback offer is valid until 5th September 2025. Cashback is paid up to £/€15 per month. See Terms and fees on our website.