Sofi Active Investing vs Trading 212 : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Sofi Active Investing

Trading 212

Broker Overview

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

Market maker

STP broker

Years of Existence / Established Year

2019

2003

Customer Base / Number of Accounts

6.2+ Million

3 million- lifetime funded account

Regulation & Security

Regulations (governing bodies)

SEC, FINRA

FCA, CySEC, ASIC, FSC

Awards Won (count for the last 2 years)

No major awards listed

Security Measures

SIPC

ICF

SSL Encryption / 2FA

Yes

Segregated Funds

Yes

Negative Balance Protection

Yes

Trading Instruments/Products Offered

Assets Types / Trading Instruments (total count and breakdown)

IPO, IRA, Shares

13,000+ Global stocks and ETFs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Real Estate Investment Trusts (REITs)

Yes

Equities

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Mobile and Web app

Trading 212 web and mobile trading platform

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Individual brokerage, IRA (Traditional, Roth, SEP)

Invest, CFD, Stock ISA, and cash ISA

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

£1, €1, $1

Leverage Available

1:30

Trade Limit (maximum per trade)

Account Equity < $25,000: No Day Trades

Depends on the assets class

Commission (per account type)

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

Passive investors

Beginners to experienced traders

Deposit & Withdrawal Options

Deposit Methods

Bank transfers (ACH), direct deposit from linked bank accounts

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

Withdrawal Methods

ACH transfer back to linked bank accounts

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

Other E-Wallets Supported

Apple Pay, Google Pay, PayPal, iDEAL

Tools & Educational Resources

Economic Calendar

Yes

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

Learn (Investing Education), Market Insights and Analysis, Webinars, Investing Guides, Financial Planning Tools, Sofi Insights (Market News)

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

Fees & Commissions

Trading-Related Fees

Stocks, ETFs-$0,Commission -$0

FX fees- 0.5%

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

$0- $5

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

1:30

Non-Trading Fees

Dormant Fees

$25

Subscription Fees (for premium features, data feeds)

Advisory Fees

Depending on assets type, Professional charges- 1% , annual advisory fees as low as 0.25%

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

$5 paper statement fee

Account Opening Fee

Account Maintenance Fee

Deposit Fee

0.70%

Currency Conversion Fee

0.15%

Withdrawal Fee

Outgoing ACAT transfers $100

Bonuses, Promotions & Benefits

Bonuses, Promotions, and Referrals

Yes

Customer Benefits (e.g., Retirement Plan)

Yes

Trading Hours

Trading Hours (for each asset class if applicable)

Depends on the instrument offer

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

Customer Support

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

Monday - Friday 5am-5pm PT

24/7

Customer Support Methods (phone, email, live chat)

Live chat, Phone: 855-456-7634, Virtual assistant

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

Support Languages

18+

Additional Information

Headquarters Location

San Francisco, California.

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

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.

Sofi Active Investing stands out for its zero-commission trading model, appealing to cost-conscious investors. In contrast, Trading 212 offers more comprehensive services with slightly higher fees, especially for advanced tools and asset classes.

Sofi Active Investing makes starting out easy with a simple application, especially for retail clients. Trading 212 platform, while requiring more effort to join, allows experienced traders to customize their accounts from the start.

If you're trading on-the-go, Sofi Active Investing mobile platform is fluid and intuitive. Trading 212 desktop and web apps are more robust, making them suitable for in-depth trading sessions.

If you're after professional-grade platforms, Sofi Active Investing may be ideal. For casual investors, Trading 212 offers a low-barrier entry.

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