Trading 212 vs Pepperstone : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Trading 212

Pepperstone

Broker Overview

Broker Type (e.g., Market Maker, ECN/STP)

STP broker

ECN broker

Years of Existence / Established Year

2003

2010

Customer Base / Number of Accounts

3 million- lifetime funded account

400,000 traders

Regulation & Security

Regulations (governing bodies)

FCA, CySEC, ASIC, FSC

FCA, ASIC, DFSA, CySEC, CMA, BaFin, and SCB

Awards Won (count for the last 2 years)

No major awards listed

2024 Forex Broker of the Year by BrokerWahl.de, TradingView Social Champion 2023

Security Measures

ICF

FSCS

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

13,000+ Global stocks and ETFs

1200+ trading assets including shares, currencies indices

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Futures

Bonds

Mutual Funds

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Real Estate Investment Trusts (REITs)

Yes

Equities

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

Yes

MT5

Yes

cTrader

Yes

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Trading 212 web and mobile trading platform

Pepperstone proprietary platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

Account Types (Retail, Pro, VIP, etc.)

Invest, CFD, Stock ISA, and cash ISA

Standard and Razor account

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Yes

Minimum Deposit

£1, €1, $1

Leverage Available

1:30

1:20 to 1:500

Trade Limit (maximum per trade)

Depends on the assets class

100 lots trading size

Commission (per account type)

Razor account - $3, Standard account -$0

Best Suited For (e.g., beginners, experienced traders)

Beginners to experienced traders

Beginner to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfer, Instant bank transfer, Card payments, Online banking PL, Carte Bleue, Blik, Direct e-banking, e-wallets

Credit/debit card, Bank transfer, e-wallets, Union pay, USDT

Withdrawal Methods

Bank transfer, Instant bank transfer, Card payments, Online banking PL, Carte Bleue, Blik, Direct e-banking, e-wallets

Credit/debit card, Bank transfer, e-wallets, Union pay, USDT

Other E-Wallets Supported

Apple Pay, Google Pay, PayPal, iDEAL

Neteller,skrill, PayPal

Tools & Educational Resources

Economic Calendar

Yes

Tools & Educational Resources (tutorials, webinars, market news, etc.)

Trading Academy, Market News and Analysis, Webinars, Video Tutorial, Trading Guides and eBooks

Trading Education Online Courses, Market Analysis and Insights, Webinars, Trading Guides and eBooks, Video Tutorials, The Daily Fix Market News and Analysis, Pepperstone Blog Trading Insights

Fees & Commissions

Trading-Related Fees

FX fees- 0.5%

Spread-1.2 pips

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Razor account: $3.50 per lot, Raw account: $7 per lot, cTrader:$6 round trip per unit, TradingView: $7 roundtrip per unit

Options Contract Fees

Futures Contract Fees

Markup Fees on Spread

1 pip on FX pairs

Guaranteed Stop Loss Fees

Charges apply

Maximum Leverage

1:30

1:500

Non-Trading Fees

Dormant Fees

Subscription Fees (for premium features, data feeds)

Advisory Fees

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

0.70%

Currency Conversion Fee

0.15%

Razor Account- $29.36, Standard Account - $48.12, Swap-free Account $58.78

Withdrawal Fee

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Trading Hours

Trading Hours (for each asset class if applicable)

pre-market session from 04:00 - 09:30 ET, regular trading from 09:30 - 16:00 ET, after-hours session from 16:00 - 20:00 ET

VIX 00:01 - 23:59 (Opens Monday 01:00; Friday close 23:55), NAS100 01:00 - 23:15, 23:30 - 23:59 (Closes Friday 23:55), HK Share CFDs 4:30-7:00, 8:00-11:00, US Share CFDs 16:31 - 22:55

Customer Support

Support Hours (e.g., 24/7, weekdays only)

24/7

Customer Support Methods (phone, email, live chat)

Live chat, E-mail- [email protected] Phone- +447385762101

Phone: +1786 628 1209, Email: [email protected], Live chat

Support Languages

18+

Additional Information

Headquarters Location

Aldermary House, 10-15 Queen Street, London, EC4N 1TX.

Melbourne, Australia

Complaints (for crypto brokers)

At TradingCritique, we don't just list brokers. We test, compare, and simplify your decision-making. Whether you're a beginner or a pro, our data-driven comparisons are built to match your trading style and region. Learn how we Evaluate a broker.

Trading 212 is known for competitive pricing on basic trades, especially for beginners. However, Pepperstone fee structure, though slightly higher, covers a broader range of services, making it more suitable for active traders.

The account creation flow at Trading 212 is modern and app-driven, making it seamless for new users. Pepperstone, however, leans toward traditional processes with forms and verifications that take more time.

New traders may find Trading 212 interface more welcoming, while Pepperstone appeals to experienced users looking for tools like heatmaps, screeners, and market sentiment overlays.

Trading 212 supports complex strategies and asset diversity, while Pepperstone offers clarity and low-cost access for long-term holders.

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