It’s possible that banks in some countries like Bulgaria will take larger fees from customer sending and receiving EUR bank payments to/from UK banks.
Because of this I would suggest Trading212 Ltd to open bank account in EU.
I am waiting to see how Bulgarian banks will react to the “final” Brexit on 31 December.
I understand that UK banks may still use SEPA, but some sc*mbag banks may decide to f*ck their customers with higher fees for bank payments from/to countries outside EU.
Alternatively, customers of Trading212 from Bulgaria may open EUR accounts at good bank outside Bulgaria or fintech company.