Trading 212 vs TD Direct Investing : Fees, Safety & Trading Conditions Compared (2026)

Broker Name

Trading 212

TD Direct Investing

Broker Overview

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

STP broker

None

Years of Existence / Established Year

2003

1984

Customer Base / Number of Accounts

3 million- lifetime funded account

17 M

Regulation & Security

Regulations (governing bodies)

FCA, CySEC, ASIC, FSC

CIPF, CIRO

Awards Won (count for the last 2 years)

No major awards listed

Security Measures

ICF

CIPF

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

Fixed income investments, GICs

Currency Pairs

Yes

Commodities

Yes

Indices

Yes

Cryptocurrencies

Yes

CFDs

Yes

ETFs

Yes

Stocks

Yes

Options

Yes

Futures

Bonds

Yes

Mutual Funds

Yes

Fractional Shares

Yes

Exchange Traded Notes (ETNs)

Precious Metals

Yes

Real Estate Investment Trusts (REITs)

Yes

Equities

Yes

Trading Platforms & Technology

Trading Platform Availability

Yes

MT4

MT5

cTrader

Social Trading

Yes

Copy Trading

Yes

Other Trading Platforms (proprietary, etc.)

Trading 212 web and mobile trading platform

TD app, web trader, Advanced dashboard, TD active trader

Platform Compatibility (Windows, Mac, iOS, Android)

Yes

Account Types & Conditions

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

Invest, CFD, Stock ISA, and cash ISA

Margin account, cash trading account, TFSA, RSP, RESP, RIF, LIRA, LIF, RDSP

Demo Account (Yes/No)

Yes

Islamic Accounts (Yes/No)

Minimum Deposit

£1, €1, $1

Leverage Available

1:30

Trade Limit (maximum per trade)

Depends on the assets class

Depends on asset types

Commission (per account type)

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

Beginners to experienced traders

Beginners and 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

Direct bank account, Check

Withdrawal Methods

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

SWIP, Wire payment

Other E-Wallets Supported

Apple Pay, Google Pay, PayPal, iDEAL

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

Learning Centre - Investing Education, Market Insights and Analysis, Webinars, Investing Guides, Video Tutorials, TD Direct Investing Community Forum

Fees & Commissions

Trading-Related Fees

FX fees- 0.5%

Commission -mutual funds- $0 , IPOs, Equities- $7.00- $9.99, Stock - $3- $43, Bonds- $40 + $1.50/1,000

Spread (typical, fixed, variable)

Variable

Per Lot Fees

Options Contract Fees

$9.99 + $1.25 per contract

Futures Contract Fees

Markup Fees on Spread

Guaranteed Stop Loss Fees

Maximum Leverage

1:30

Non-Trading Fees

Dormant Fees

Subscription Fees (for premium features, data feeds)

Advisory Fees

Swap Fees (Overnight Financing)

Yes

Statement or Document Fee

$2-$5

Account Opening Fee

Applicable, Depends on account types

Account Maintenance Fee

$25 per quarter

Deposit Fee

0.70%

$17.50 U.S

Currency Conversion Fee

0.15%

2.50%

Withdrawal Fee

$30-$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)

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

Pre-market trading hours (8 a.m. to 9:30 a.m. ET) and after-hours trading (4 p.m. to 8 p.m. ET)

Customer Support

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

24/7

Monday to Friday, 7 am to 10 pm ET

Customer Support Methods (phone, email, live chat)

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

Phone: 1-800-465-5463, , Book an appointment

Support Languages

18+

Additional Information

Headquarters Location

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

66 Wellington Street West, Toronto, ON M5K 1A2

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.

While Trading 212 maintains low trading fees with no minimum deposit, TD Direct Investing includes some charges for premium features and certain asset trades, making Trading 212 the better option for budget-focused traders.

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

Trading 212 excels in real-time trade execution with minimal latency, whereas TD Direct Investing complements its execution with strong analytical modules and educational support within the platform.

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

Explore More Broker Matchups

Here are more Comparisons to help you choose wisely

Compare Trading 212 and Admiral Markets

Compare Trading 212 and Sofi Active Investing

Compare Trading 212 and Qtrade

Compare TD Direct Investing and Fidelity

Compare TD Direct Investing and CMC Markets

Compare TD Direct Investing and Swissquote

Our Latest Contents

Stay updated with our newest insights and guides!

Top Broker Reviews

Discover brokers trusted by global traders.

Select Your Brokers to Compare