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 |
When comparing online brokers Trading 212 and Earn, both platforms offer unique features in terms of commissions and fees. Trading 212 provides two account types: Invest for trading shares and CFD for trading contracts for difference (CFDs). Although Trading 212 promotes zero-commission trading, users will encounter a spread when trading CFDs and forex. Notably, in April 2025, Trading 212's average spread for the EUR/USD pair was 2.7 pips, which is higher than the industry standard. This positions Trading 212 at a disadvantage, especially when compared to leading CFD and forex brokers. Meanwhile, specific spread information regarding Earn is presently unavailable.
Both brokers have received a 4-star rating out of five concerning their commissions and fees. This indicates a relatively competitive outlook, though with areas that likely require improvement. For a more quantitative comparison, Trading 212 is ranked #49 while Earn is at #45 out of 63 brokers in the Commissions and Fees category according to ForexBrokers.com.
| 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 |
| Active Trader or VIP Discounts | No | Yes |
| ACH or SEPA Transfers | Yes | No |
| PayPal (Deposit/Withdraw) | Yes | No |
| Skrill (Deposit/Withdraw) | No | Yes |
| Visa/Mastercard (Credit/Debit) | Yes | Yes |
| Bank Wire (Deposit/Withdraw) | Yes | Yes |
Dive deeper: Best Low Spread Forex Brokers.
When comparing Trading 212 and Earn in terms of investment options, Trading 212 stands out with its wide variety of offerings. It provides an impressive array of 7,868 tradeable symbols, including 146 forex pairs. This extensive range allows investors to explore numerous markets, including U.S. and international exchanges, facilitating the purchase of stocks like Apple and Vodafone directly, without relying on CFDs. Although Trading 212 does not support spot cryptocurrency purchases or copy trading, it offers cryptocurrency derivatives, providing additional trading opportunities. Rated five stars for its investment range, Trading 212 ranks 15th out of 63 brokers by ForexBrokers.com.
Earn, on the other hand, offers 500 tradeable symbols, including 61 forex pairs, providing a more limited selection in comparison. While it supports forex trading and cryptocurrency derivatives like Trading 212, it does not offer the option to buy actual cryptocurrencies or exchange-traded securities on U.S. and international exchanges. Notably, Earn provides a copy trading feature, catering to investors interested in mirroring more experienced traders. Despite this offering, its investment range rating is 3.5 stars, and it holds a 45th rank among 63 brokers in the Range of Investments category according to ForexBrokers.com.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 7868 | 500 |
| Forex Pairs (Total) | 146 | 61 |
| U.S. Stock Trading (Non CFD) | Yes | No |
| Int'l Stock Trading (Non CFD) | Yes | No |
| Social Trading / Copy Trading | No | Yes |
| Cryptocurrency (Physical) | No | No |
| Cryptocurrency (Derivative) | 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 virtual demo accounts, allowing users to practice trading without risking real money. Trading 212 features an in-house developed trading platform that can be accessed via a web browser, providing flexibility for its users, whereas Earn provides a downloadable trading platform for Windows users but doesn't have its own proprietary platform. In terms of popular third-party tools, Earn supports MetaTrader 4 and MetaTrader 5, along with copy trading and ZuluTrade, adding significant diversity to its offerings. Trading 212 lacks these third-party integrations but compensates with a user-friendly charting system that supports 20 drawing tools, enabling direct trading from stock charts.
Both platforms have web-based trading options and allow trades to be placed directly from stock charts. However, Trading 212 stands out with its personalized watch lists that offer five columns, while Earn offers seven, providing a slightly broader array of customizable fields. Both brokers achieve a similar rating of 4 stars in the Trading Platforms and Tools category, but Trading 212 is ranked higher at 20th place compared to Earn's position at 51, according to ForexBrokers.com. This suggests that although both platforms have their merits, Trading 212 is perceived to be slightly more favorable in overall platform experience by industry reviewers.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Virtual Trading (Demo) | Yes | Yes |
| Proprietary Platform | Yes | No |
| Desktop Platform (Windows) | No | Yes |
| Web Platform | Yes | Yes |
| Social Trading / Copy Trading | No | Yes |
| MetaTrader 4 (MT4) | No | Yes |
| MetaTrader 5 (MT5) | No | Yes |
| DupliTrade | No | No |
| ZuluTrade | No | Yes |
| Charting - Indicators / Studies (Total) | 54 | 35 |
| Charting - Drawing Tools (Total) | 20 | 15 |
| Charting - Trade From Chart | Yes | Yes |
| Watchlists - Total Fields | 5 | 7 |
Dive deeper: Best MetaTrader 4 Brokers, Best MetaTrader 5 Brokers.
Both Trading 212 and Earn provide mobile apps compatible with iPhone and Android devices, making them accessible for users on either platform. Each app supports stock and forex price alerts, allowing traders to stay informed about market changes. However, Trading 212 holds an advantage with its watchlist symbol syncing feature, which keeps users' watchlists updated across both the mobile app and their online accounts. While both apps allow users to create watchlists with real-time quotes, Trading 212 offers a significantly larger range of technical studies with 104 options available compared to Earn's 35. This difference can be crucial for traders who rely heavily on detailed chart analysis.
Both Trading 212 and Earn allow users to draw trendlines and view multiple time frames on stock or forex charts in their apps, providing flexibility in analysis. Furthermore, drawings on charts are automatically saved in both apps for easy reference. When it comes to ratings, both apps score 4 out of 5 stars for mobile trading, indicating solid performance and user satisfaction. However, according to ForexBrokers.com, Trading 212 is ranked higher at #17, compared to Earn's ranking at #27 out of 63 brokers. This suggests that while both apps are well-rated, Trading 212 may offer a slightly more favorable user experience overall.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Android App | Yes | Yes |
| Apple iOS App | Yes | Yes |
| Mobile Alerts - Basic Fields | Yes | Yes |
| Watchlist Syncing | Yes | No |
| Mobile Charting - Indicators / Studies | 104 | 35 |
| Mobile Charting - Draw Trendlines | Yes | Yes |
| Mobile Charting - Multiple Time Frames | Yes | Yes |
| Mobile Charting - Drawings Autosave | Yes | Yes |
| Mobile Watchlist | Yes | Yes |
Dive deeper: Best Forex Trading Apps.
When comparing Trading 212 and Earn for market research features, both platforms provide forex news from reputable sources such as Bloomberg, Reuters, and Dow Jones, ensuring users receive high-quality information. Earn goes a step further by offering daily market commentary, a feature that Trading 212 lacks. Both platforms lack tools from companies like Autochartist and Trading Central, and neither offers research tools from TipRanks or Acuity Trading. Despite these similarities in research offerings, Trading 212 does include a sentiment-based trading tool that Earn does not, providing additional insights for traders interested in understanding market sentiment through long or short position ratios.
Both Trading 212 and Earn offer economic calendars that keep users informed of global news events, a crucial tool for active traders. According to ForexBrokers.com, both are rated 3.5 out of 5 stars for research. However, when ranking the two out of 63 brokers for market research, Trading 212 holds the 44th position while Earn is slightly ahead at 38th. This indicates that while both brokers provide a similar caliber of market research tools, Earn's offering of daily market commentary might give it a slight edge in rankings.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Daily Market Commentary | No | Yes |
| Forex News (Top-Tier Sources) | Yes | Yes |
| Autochartist | No | No |
| Trading Central (Recognia) | No | No |
| Social Sentiment - Currency Pairs | Yes | No |
| TipRanks | No | No |
| Signal Centre (Acuity Trading) | No | No |
| Economic Calendar | Yes | Yes |
Dive deeper: Best Brokers for Forex Research.
When it comes to educational resources for beginners, Trading 212 and Earn each have their strengths and weaknesses. Trading 212 stands out by offering a variety of learning materials related to forex and CFDs. These include over 10 educational pieces such as articles, videos, and webinars. They also provide a rich library of recorded client webinars that can be searched through, along with more than 10 beginner-focused educational videos. For those looking to delve deeper, Trading 212 also has more than 10 advanced educational videos and an investor dictionary, featuring definitions for over 50 investing terms. Despite these offerings, Trading 212 does not conduct monthly educational webinars. Overall, Trading 212 is rated at 3.5 stars for education, ranking at number 20 among 63 brokers according to ForexBrokers.com.
On the other hand, Earn does not offer the same depth of educational content as Trading 212. It lacks extensive resources on forex and CFDs, as well as a searchable archive of client webinars. Moreover, Earn does not have a suite of educational videos tailored for either beginners or advanced traders, nor does it provide an investor dictionary. Monthly webinars are not available through Earn either. As a result, Earn is also rated at 3.5 stars for education but is ranked significantly lower at number 62 by ForexBrokers.com in the Education category. For beginners eager to dip their toes into trading, Trading 212 offers a more comprehensive set of educational tools than Earn.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Education (Forex or CFDs) | Yes | No |
| Client Webinars | No | No |
| Client Webinars (Archived) | Yes | No |
| Videos - Beginner Trading Videos | Yes | No |
| Videos - Advanced Trading Videos | Yes | No |
| Investor Dictionary (Glossary) | 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.
When comparing the online brokers Trading 212 and Earn, Trading 212 offers more diverse options for depositing and withdrawing account funds, including ACH or SEPA transfers, PayPal, Visa or Mastercard, and bank wires, while Earn supports Skrill, Visa or Mastercard, and bank wires but lacks ACH or SEPA transfers and PayPal integration.
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 | |
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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) | No | No | |
| 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) | No | No | |
| Israel (ISA Authorised) | No | No | |
| South Africa (FSCA Authorised) | No | No | |
| UAE (DFSA/Central Bank Authorised) | No | No | |
| India (SEBI Authorised) | No | No | |
| Jordan (JSC Authorised) | No | No |
| Investments | Trading 212 | Earn | |
|---|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes | |
| Tradeable Symbols (Total) | 7868 | 500 | |
| Forex Pairs (Total) | 146 | 61 | |
| U.S. Stock Trading (Non CFD) | Yes | No | |
| Int'l Stock Trading (Non CFD) | Yes | No | |
| Social Trading / Copy Trading | No | Yes | |
| Cryptocurrency (Physical) | No | No | |
| Cryptocurrency (Derivative) | 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 | |
| Active Trader or VIP Discounts | No | Yes | |
| Inactivity Fee | No | No | |
| Execution: Agency Broker | Yes | No | |
| Execution: Market Maker | Yes | Yes |
| Funding | Trading 212 | Earn | |
|---|---|---|---|
| Minimum Deposit | €1 | $100 | |
| PayPal (Deposit/Withdraw) | Yes | No | |
| Skrill (Deposit/Withdraw) | No | Yes | |
| Visa/Mastercard (Credit/Debit) | Yes | Yes | |
| Bank Wire (Deposit/Withdraw) | Yes | Yes | |
| ACH or SEPA Transfers | Yes | No |
| Trading Platforms | Trading 212 | Earn | |
|---|---|---|---|
| Proprietary Platform | Yes | No | |
| Desktop Platform (Windows) | No | Yes | |
| Web Platform | Yes | Yes | |
| Social Trading / Copy Trading | No | Yes | |
| MetaTrader 4 (MT4) | No | Yes | |
| MetaTrader 5 (MT5) | No | Yes | |
| cTrader | No | No | |
| DupliTrade | No | No | |
| ZuluTrade | No | Yes |
| Trading Tools | Trading 212 | Earn | |
|---|---|---|---|
| Virtual Trading (Demo) | Yes | Yes | |
| Alerts - Basic Fields | Yes | Yes | |
| Watchlists - Total Fields | 5 | 7 | |
| Charting - Indicators / Studies (Total) | 54 | 35 | |
| Charting - Drawing Tools (Total) | 20 | 15 | |
| 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 Alerts - Basic Fields | Yes | Yes | |
| Mobile Watchlist | Yes | Yes | |
| Watchlist Syncing | Yes | No | |
| Mobile Charting - Indicators / Studies | 104 | 35 | |
| Mobile Charting - Draw Trendlines | Yes | Yes | |
| Mobile Charting - Multiple Time Frames | Yes | Yes | |
| Mobile Charting - Drawings Autosave | Yes | Yes | |
| Mobile Economic Calendar | Yes | Yes |
| Research | Trading 212 | Earn | |
|---|---|---|---|
| Daily Market Commentary | No | Yes | |
| Forex News (Top-Tier Sources) | Yes | Yes | |
| Autochartist | No | No | |
| Trading Central (Recognia) | No | No | |
| TipRanks | No | No | |
| Social Sentiment - Currency Pairs | Yes | No | |
| Economic Calendar | Yes | Yes |
| Education | Trading 212 | Earn | |
|---|---|---|---|
| Education (Forex or CFDs) | Yes | No | |
| Client Webinars | No | No | |
| Client Webinars (Archived) | Yes | No | |
| Videos - Beginner Trading Videos | Yes | No | |
| Videos - Advanced Trading Videos | Yes | No | |
| Investor Dictionary (Glossary) | Yes | No |
| Major Forex Pairs | Trading 212 | Earn | |
|---|---|---|---|
| GBP/USD | Yes | Yes | |
| USD/JPY | Yes | Yes | |
| EUR/USD | Yes | Yes | |
| USD/CHF | Yes | Yes | |
| USD/CAD | Yes | Yes | |
| NZD/USD | Yes | Yes | |
| AUD/USD | Yes | Yes | |
| 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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