Every year, we provide you with an Annual Costs & Charges Statement. This statement gives you a transparent view of all the costs and taxes associated with your account and how they impact your investment returns.
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Further details about our Terms & Fees can be found here.
How do we calculate costs for your ISA/Invest accounts?Â
To show your costs as a percentage, we divide the total fees paid by your "Total Investment." We calculate this differently depending on your account type.Â
We look at the average value of the cash and investments you held with us.
- The Logic: We look at your balance every day your account was active (where you held cash or stocks) and calculate the average.
- The Benefit: If you only joined midway through the year, we don’t dilute your average by including the days you weren't with us. This shows the fair "drag" that costs had on the money you actually invested.
How do we calculate costs for your CFD account?
To show your costs as a percentage, we divide the total fees paid by your "Total Investment." We calculate this differently depending on your account type.
We look at the total size of your trades.
- The Logic: We measure costs against the total market value of the positions you managed (your "economic exposure").
- The Benefit: Since CFDs use leverage, your trade size is often much larger than the money you deposit. This method shows the true scale of your trading activity rather than just comparing costs to your cash balance.
What are the key terms in your statement?
Product costs
These are costs related to the financial instruments themselves or third parties.
- Spread: The difference between the buy and sell price (for CFD).
- Government Taxes: Charges like Stamp Duty (UK) or other transaction levies.
- ADR Fees: Pass-through fees for holding American Depositary Receipts.
Service Costs
These are fees for the services provided by Trading 212 or payment providers.
- FX Fees: The cost of converting currency when you buy or sell an asset in a different currency than your account base currency.
- Deposit Fees: Charges for specific deposit methods, such as card deposits via Adyen.
Cumulative Effect
This table shows the total impact of all costs on your portfolio. It compares your Gross Return (your profit/loss before costs) with your Net Return (your profit/loss after all costs are deducted).
đź“„ Note
Costs and charges apply even if your portfolio has a negative return (a loss) during the period.
Where to find your statement?
To improve security and accessibility, we no longer send these reports as raw PDF email attachments. Instead, we provide them directly within the app.
- Open your Trading 212 app.
- Go to the Menu tab.
- Select Documents.
- Tap on Account Statements.
- Select Cost & Charges to view or download your report.
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