Written by ForexBrokers.com
In this head to head comparison of Trading 212 vs Earn, we will compare the trading platforms, mobile apps, range of investments, costs, market research, and more. Let's dive in.
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. Between 51% and 89% of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
Trading 212 and Earn are both established online brokers, with Trading 212 having started operations in 2004 and Earn in 1994. Neither company is publicly traded on a stock exchange, nor are they classified as banks. When it comes to regulatory credentials, Trading 212 appears to have a more secure footing with three Tier-1 licenses, reflecting a strong level of trustworthiness in the eyes of regulators. In contrast, Earn holds just one Tier-1 license, which still provides a reliable level of oversight but is less extensive than Trading 212's credentials.
From a trust perspective, Trading 212 holds a Trust Score rating of 80, categorizing it as a trusted broker according to ForexBrokers.com’s scale. On the other hand, Earn has a slightly lower Trust Score of 71, placing it in the average risk category. Neither broker holds any Tier-2 licenses, which are also used to gauge the dependability of financial institutions. Prospective users should consider these aspects when choosing a broker that aligns with their investment comfort level and safety expectations.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Year Founded | 2004 | 1994 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 3 | 1 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 0 | 0 |
If you’re weighing commissions and fees, Trading 212 and Earn both earn 4 out of 5 stars. In ForexBrokers.com’s Commissions and Fees category, Trading 212 ranks #50 out of 63 brokers, while Earn sits slightly higher at #46 out of 63.
Trading 212 offers Invest (shares) and CFD (CFDs) accounts, with minimum deposits of 1 euro and 10 euros respectively. This comparison focuses on the CFD account. Trading 212 advertises zero-commission trading, but your costs largely come from the spread. The broker now publishes average spread data, and in April 2025 its average EUR/USD spread was 2.7 pips—noticeably higher than the industry average—so forex and CFD traders may face higher all-in costs versus top low-spread brokers.
For Earn, average spread data isn’t available, which makes it harder to estimate total trading costs ahead of time. Still, with the same 4-star rating and a better ranking (#46 vs. #50), Earn edges out Trading 212 in this category on paper. If fees are your priority, compare each broker’s live quotes, funding costs, and any non-trading charges for the instruments you plan to trade.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Minimum Deposit | €1 | $100 |
| Average Spread EUR/USD - Standard | 2.7 | N/A |
| All-in Cost EUR/USD - Active | 2.7 | N/A |
| Non-wire bank transfer | Yes | No |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | No | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
Comparing Trading 212 vs Earn for range of investments, Trading 212 offers far more markets: 7,868 tradeable symbols and 146 forex pairs, versus Earn’s 500 symbols and 61 forex pairs. Both support forex trading via CFDs or spot contracts. A key difference is stock access: Trading 212 lets you buy exchange-traded securities (not CFDs) on both U.S. and international exchanges, while Earn does not. For social features, Earn includes copy trading but Trading 212 does not. For crypto, neither broker lets you buy actual coins, but both offer cryptocurrency derivatives.
On ratings, Trading 212 earns 5 stars for Range of Investments and ranks #16 out of 63 brokers at ForexBrokers.com. Earn holds 3.5 stars and ranks #46. In short, choose Trading 212 if you want broader market coverage and direct stock investing; pick Earn if copy trading is a priority while still getting access to forex and crypto derivatives.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7868 | 500 |
| Forex Pairs (Total) | 146 | 61 |
| U.S. Stocks (Shares) | Yes | No |
| Global Stocks (Non-U.S. Shares) | Yes | No |
| Copy Trading | No | Yes |
| Cryptocurrency (Underlying) | No | No |
| Cryptocurrency (CFDs) | Yes | Yes |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
Dive deeper: Best Copy Trading Platforms.
Trading 212 and Earn both offer free paper (demo) accounts and web-based trading, and each lets you place trades directly from a chart. Trading 212 uses an in-house platform and skips a Windows desktop download, copy trading, MT4, and MT5. Earn does not have its own proprietary platform, but it does provide a Windows desktop platform, supports MetaTrader 4 (MT4) and MetaTrader 5 (MT5), and includes copy trading.
For Trading Platforms & Tools, ForexBrokers.com rates both brokers at 4 stars. That said, Trading 212 ranks #20 out of 63 brokers, while Earn ranks #52 out of 63. In short, Trading 212 suits traders who want an in-house, browser-based experience with demo trading and chart-based order entry, whereas Earn appeals to those who want Windows desktop access, MT4/MT5 compatibility, copy trading, and the ability to trade from charts, also backed by a free demo account.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Desktop Trading Platform | Yes | No |
| Desktop Platform (Windows) | No | Yes |
| Web Platform | Yes | Yes |
| Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| Charting - Indicators / Studies (Total) | 54 | 35 |
| Charting - Trade From Chart | Yes | Yes |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
If you trade on your phone, both Trading 212 and Earn offer iPhone and Android apps. Each earns 4 out of 5 stars for mobile trading, but Trading 212 ranks higher in ForexBrokers.com’s Mobile Trading Apps category (#17 of 63) than Earn (#28 of 63).
Feature comparison: Both apps support price alerts, drawing trendlines on charts, and auto-saving your drawings. Trading 212 also syncs watchlists between the mobile app and your online account, while Earn does not. For charting, Trading 212 provides 104 technical studies compared with 35 on Earn. Information about viewing multiple time frames and creating watchlists with real-time quotes was not specified for either app.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Price Alerts | Yes | Yes |
| Mobile Watchlists - Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 104 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Trendlines Autosave | Yes | Yes |
| Mobile Watchlist [DELETED] |
Dive deeper: Best Forex Trading Apps.
Comparing Trading 212 vs Earn for market research, both brokers deliver forex news from top-tier sources like Bloomberg and Reuters, and each includes an economic calendar to track key events. Earn adds daily market commentary, which can help traders stay on top of trends in plain language. According to ForexBrokers.com, both earn 3.5 stars for Research, with Earn ranked #39 out of 63 brokers and Trading 212 at #45.
On tools, neither platform offers research from Autochartist or Trading Central. Trading 212 stands out with a sentiment tool that shows the ratio of long vs short positions, while Earn does not provide this feature. Trading 212 does not include TipRanks or Acuity Trading; Earn’s support for TipRanks and Acuity Trading is not specified. If you want daily commentary, Earn is the pick; if you value sentiment data, Trading 212 has the edge.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Daily Market Commentary (Articles) | No | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central | No | No |
| Client sentiment data | Yes | No |
| TipRanks | No | |
| Acuity Trading | No | |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
For beginner education, Trading 212 offers a stronger video library, with at least 10 beginner videos and 10 advanced videos covering trading topics. Earn does not reach 10 beginner or advanced videos. Neither broker hosts monthly educational webinars, and it’s not specified whether either provides a searchable archive of past webinars. It’s also not confirmed whether Trading 212 or Earn delivers 10+ forex or CFD-focused education pieces, or whether either maintains an investor dictionary with 50+ definitions.
Both brokers earn 3.5 out of 5 stars for Education, but they diverge in rankings: Trading 212 is ranked #21 of 63 brokers by ForexBrokers.com, while Earn is ranked #63. For newcomers who prefer learning through video tutorials, Trading 212 is the more complete choice. If you need regular webinars, archives, or a formal glossary, you may need to look elsewhere or verify those resources directly with each broker.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Webinars | No | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | Yes | No |
Dive deeper: Best Forex Brokers for Beginners.
After testing 63 of the best forex brokers, our research and account testing finds that Trading 212 is better than Earn. Trading 212 finished with an overall rank of #31, while Earn finished with an overall rank of #50.
Best known for its mobile trading app, Trading 212 offers an easy-to-use trading platform suite for CFD and share trading, as well as a large variety of forex pairs. However, despite its well-designed platform and wide range of symbols, its lack of advanced trading tools and flat research offerings hamper Trading 212’s bid to be considered a top broker.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Overall Rating |
|
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| Trust Score | 80 | 71 |
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Both Trading 212 and Earn do not offer the ability to buy actual delivered cryptocurrency, but they provide the option to trade cryptocurrency derivatives.
In the Trading 212 vs Earn comparison of deposit and withdrawal options, Trading 212 supports ACH/SEPA, PayPal, and bank wire transfers, while Earn supports Skrill and bank wire but does not offer ACH/SEPA or PayPal.
Please note:
We review each broker’s overall global offering – a “Yes” checkmark in our Compare Tool does not guarantee the availability of any specific features in your country of residence. To verify the availability of any features within your country of residence, please contact the broker directly.
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0 of 5| Overall Rating | Trading 212 | Earn | |
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| Trust Score | 80 | 71 | |
| Winner | check_circle | ||
| Review | Trading 212 Review |
| Broker Screenshots | Trading 212 | Earn | |
|---|---|---|---|
| Broker Gallery (click to expand) |
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| Regulation | Trading 212 | Earn | |
|---|---|---|---|
| Trust Score | 80 | 71 | |
| Year Founded | 2004 | 1994 | |
| Publicly Traded (Listed) | No | No | |
| Bank | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes | |
| Tier-1 Licenses | 3 | 1 | |
| Tier-2 Licenses | 0 | 0 | |
| Tier-3 Licenses | 0 | 0 | |
| Tier-4 Licenses | 0 | 0 |
| Tier-1 Licenses (Highly Trusted) | Trading 212 | Earn | |
|---|---|---|---|
| Australia (ASIC Authorised) | No | No | |
| Canada (CIRO Authorised) | No | No | |
| Hong Kong (SFC Authorised) | No | No | |
| Japan (SFC Authorised) | No | No | |
| Singapore (MAS Authorised) | No | No | |
| Switzerland (FINMA Authorised) | |||
| United Kingdom (U.K.) (FCA Authorised) | Yes | No | |
| USA (CFTC Authorized) | No | No | |
| New Zealand (FMA Authorised) | No | No | |
| Regulated in one or more EU or EEA countries (MiFID). | Yes | Yes |
| Tier-2 Licenses (Trusted) | Trading 212 | Earn | |
|---|---|---|---|
| Kenya (CMA Authorised) | |||
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA, FSRA, or SCA Authorised) | No | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) |
| Investments | Trading 212 | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7868 | 500 | |
| Forex Pairs (Total) | 146 | 61 | |
| U.S. Stocks (Shares) | Yes | No | |
| Global Stocks (Non-U.S. Shares) | Yes | No | |
| Copy Trading | No | Yes | |
| Cryptocurrency (Underlying) | No | No | |
| Cryptocurrency (CFDs) | Yes | Yes | |
| Disclaimers | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). | Note: Crypto CFDs are not available to retail traders from any broker's U.K. entity, nor to U.K. residents (except to Professional clients). |
| Cost | Trading 212 | Earn | |
|---|---|---|---|
| Average Spread EUR/USD - Standard | 2.7 | N/A | |
| All-in Cost EUR/USD - Active | 2.7 | N/A | |
| Inactivity Fee | No | No | |
| Order execution: Agency | Yes | No | |
| Order execution: Market Maker | Yes | Yes |
| Funding | Trading 212 | Earn | |
|---|---|---|---|
| Minimum Deposit | €1 | $100 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | No | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| Non-wire bank transfer | Yes | No |
| Trading Platforms | Trading 212 | Earn | |
|---|---|---|---|
| Proprietary Desktop Trading Platform | Yes | No | |
| Desktop Platform (Windows) | No | Yes | |
| Web Platform | Yes | Yes | |
| Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No |
| Trading Tools | Trading 212 | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Price Alerts | Yes | Yes | |
| Charting - Indicators / Studies (Total) | 54 | 35 | |
| Charting - Trade From Chart | Yes | Yes | |
| Charts can be saved | Yes | Yes |
| Mobile Trading | Trading 212 | Earn | |
|---|---|---|---|
| Android App | Yes | Yes | |
| Apple iOS App | Yes | Yes | |
| Mobile Price Alerts | Yes | Yes | |
| Mobile Watchlist [DELETED] | |||
| Mobile Watchlists - Syncing | Yes | No | |
| Mobile Charting - Indicators / Studies | 104 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Trendlines Autosave | Yes | Yes | |
| Mobile Research - Economic Calendar | Yes | Yes |
| Research | Trading 212 | Earn | |
|---|---|---|---|
| Daily Market Commentary (Articles) | No | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central | No | No | |
| TipRanks | No | ||
| Client sentiment data | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | Trading 212 | Earn | |
|---|---|---|---|
| Webinars | No | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | Yes | No |
| Major Forex Pairs | Trading 212 | Earn | |
|---|---|---|---|
| GBP/USD [DELETED] | |||
| USD/JPY [DELETED] | |||
| EUR/USD | Yes | Yes | |
| USD/CHF [DELETED] | |||
| USD/CAD [DELETED] | |||
| NZD/USD [DELETED] | |||
| AUD/USD [DELETED] | |||
| Review | Trading 212 Review |
| Overall | Trading 212 | Earn | |
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| Trust Score | 80 | 71 | |
| Winner | check_circle | ||
| Review | Trading 212 Review |
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