Dear Trading 212 community,
I’d like to share a personal suggestion about how fees and costs are presented on the platform, especially for active CFD traders and longer-term Invest users.
1. CFD account – precision and transparency
In my opinion, CFD traders live and die by execution quality and costs, often on the scale of minutes or hours, so cost visibility is everything. To support this style of trading, I think it would be great if the CFD account moved even further toward:
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Ultra-low FX fees, ideally in line with the Invest account’s 0.15% level.
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The tightest possible spreads during liquid market hours, so active traders can rely on stable, competitive pricing.
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On top of pricing itself, I believe CFD costs should be as visual and intuitive as possible, rather than hidden away in instrument details. A few concrete ideas:
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Live Swap Clock: A real-time countdown to the next overnight (swap) charge, showing the exact amount that will be applied.
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Spread‑O‑Meter: A simple green/red indicator showing whether the current spread is currently tight or wide, to help traders time their entries.
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Break‑Even Badge: A clear marker on the order ticket showing the price level at which all entry costs are covered and the position turns positive.
The reasoning behind this is that serious CFD traders want to see every cent of cost in real time. Making fees and spreads visual and immediate would, in my view, build even more trust and make the platform more attractive for CFD traders.
2. Invest account – keep it simple, add base currency mode
For the Invest account, I think the current fee structure already works well for most long-term investors. Investors usually think in years rather than ticks, and many prefer a slightly higher, more “hidden” spread if the overall experience stays clean, intuitive, and low-maintenance.
I do have one addition that I personally would really like to see: a “base currency mode.” In this mode:
- All positions, P/L, and cash would be displayed in the user’s base currency, reducing cognitive load and FX confusion.
- If needed, a slightly higher fee here could help subsidize even lower FX fees on the CFD side, which seems like a fair trade-off for many active users (myself included).
To summarise my view: CFD traders benefit from maximum transparency and cost tools, while Invest users benefit from simplicity and a familiar base-currency view. Combining both could make Trading 212 even stronger for both active traders and long-term investors.