Trading 212 is a trading name of Trading 212 UK Ltd., Trading 212 Markets Ltd, Trading 212 AU Pty Ltd, and Trading 212 EU GmbH.
To securely process deposits, withdrawals, and card payments, we work with several regulated payment service providers (PSPs).
Trading 212 uses different payment service providers depending on your country of residence, account type, and Trading 212 entity. Each provider is authorised by the relevant financial authority in their jurisdiction.
📄 Note
Deposits made via card, Apple Pay, Google Pay, and other alternative payment methods are free up to a cumulative total of €2,000 or currency equivalent. Once your total deposited amount exceeds this threshold, a 0.7% fee will apply to the exceeding amount.
Refer to our Terms and Fees for the applicable account type and jurisdiction.
Adyen
Adyen is our primary payment processor and handles card acquiring — including deposits and payouts - across all Trading 212 entities, alongside a range of alternative payment methods such as Apple Pay, Google Pay, iDEAL, Przelewy24, Klarna and BLIK.
These services are provided through the respective local Adyen entity in each jurisdiction, each fully authorized and regulated by its local financial authority. For our European operations, services are provided by Adyen N.V., which is regulated by De Nederlandsche Bank (DNB). In Australia, services to Trading 212 AU Pty Ltd are provided by Adyen Australia Pty Ltd, which holds Australian Financial Services Licence no. 516550 and is registered with AUSTRAC on the remittance sector register.
TrueLayer
TrueLayer operates through two regulated entities to provide Open Banking payments across Trading 212's entities.
TrueLayer Limited (FRN: 793171) is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. TrueLayer Limited enables Open Banking payments for clients in the UK (GBP) under Trading 212 UK Ltd.
TrueLayer (Ireland) Limited is authorised and regulated by the Central Bank of Ireland (CBI) under the European Union (Payment Services) Regulations 2018 for the provision of payment services. TrueLayer (Ireland) Limited enables Open Banking payments for Trading 212 Markets Ltd, our Cyprus-based entity.
Paynetics UK Ltd
Paynetics UK Limited is authorised and regulated by the Financial Conduct Authority (FCA) in the United Kingdom. Paynetics UK Ltd provides electronic money services and is the issuer of the Trading 212 Card for clients of Trading 212 UK Ltd.
Paynetics AD
Paynetics AD is an electronic money institution regulated by the Bulgarian National Bank (BNB). Paynetics AD provides electronic money services and is the issuer of the Trading 212 Card for clients of Trading 212 Markets Ltd and Trading 212 EU GmbH.
J.P. Morgan
J.P. Morgan serves as Trading 212's primary banking partner, providing both client money custody and payment processing. Trading 212 uses J.P. Morgan's APIs to facilitate client deposits and withdrawals, in addition to holding client money in segregated accounts.
Trading 212 holds accounts with different J.P. Morgan entities depending on the jurisdiction. J.P. Morgan SE (regulated by BaFin, Germany) services Trading 212 UK Ltd, Trading 212 Markets Ltd, and Trading 212 EU GmbH. Trading 212 UK Ltd additionally holds accounts with JPMorgan Chase Bank, N.A. (London Branch), regulated by the PRA and FCA in the United Kingdom. Trading 212 Markets Ltd additionally holds accounts with JPMorgan Chase Bank, N.A. (Zurich Branch), regulated by FINMA in Switzerland. Trading 212 AU Pty Ltd is serviced by JPMorgan Chase Bank, N.A., and its Sydney Branch (ABN 43 074 112 011, AFSL No. 238367), regulated by ASIC and APRA in Australia.
Your money is held in segregated accounts in accordance with the client money rules of your specific jurisdiction.