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, established in 2004, and Earn, founded in 1994, are both privately held online brokers, meaning they aren't listed on any stock exchange. Neither acts as a bank. In terms of regulatory strength, Trading 212 holds two Tier-1 licenses from top-tier regulators, providing a trustworthy foundation, while Earn holds one such license. Neither broker has Tier-2 licenses, which ForexBrokers.com considers less critical than Tier-1.
When we look at Trust Scores from ForexBrokers.com, Trading 212 scores a 79, indicating an average risk level. Meanwhile, Earn's Trust Score is slightly lower at 71, also placing it in the average risk category. These scores highlight the relative confidence one might place in both brokers, but Trading 212 has a slight edge due to its higher Trust Score and greater number of top-tier licenses.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Year Founded | 2004 | 1994 |
| Publicly Traded (Listed) | No | No |
| Bank | No | No |
| Tier-1 Licenses | 2 | 1 |
| Tier-2 Licenses | 0 | 0 |
| Tier-3 Licenses | 0 | 0 |
| Tier-4 Licenses | 0 | 0 |
When comparing online brokers Trading 212 and Earn in terms of commissions and fees, both platforms advertise zero-commission trading, but they structure their pricing models differently. Trading 212 offers two account types, with this comparison focusing on the CFD account, which requires a minimum deposit of 10 euros. Although Trading 212 claims zero commissions, traders will still encounter spreads when trading CFDs and forex. The average spread for the EUR/USD pair in January 2024 was 1.9 pips, which is higher than the industry average and presents a drawback when compared to other top brokers.
Earn, on the other hand, does not provide average spread data publicly, which makes it difficult to directly compare it to Trading 212 in terms of specific cost metrics. Both brokers received a 4-star rating for commissions and fees, suggesting they offer competitive pricing, but transparency and specific cost details like Trading 212's published average spread can play a significant role in selecting the right broker.
In a broader ranking by ForexBrokers.com, Trading 212 is placed at #43, while Earn is close behind at #46 out of 62 brokers in the Commissions and Fees category. While their rankings are similar, Trading 212's willingness to disclose average spread data may provide traders with a slight edge in understanding potential trading costs more comprehensively.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Minimum Deposit | €10 | $100 |
| Average Spread EUR/USD - Standard | 1.9 | N/A |
| All-in Cost EUR/USD - Active | 1.9 | 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 the range of investment options between Trading 212 and Earn, Trading 212 clearly offers a broader spectrum. With 8,025 tradeable symbols, Trading 212 provides access to a much more extensive selection compared to Earn's 500. This includes 146 tradeable forex pairs on Trading 212, overshadowing the 61 forex pairs available via Earn. Moreover, Trading 212 facilitates direct investment in exchange-traded securities on both U.S. and international exchanges, allowing investors to buy stocks like Apple and Vodafone. In contrast, Earn does not offer the same flexibility and does not allow purchase of direct exchange-traded securities outside of CFDs.
Both platforms enable forex trading as a CFD or spot contract, as well as options for trading cryptocurrency derivatives. However, they do not support the purchase of actual cryptocurrencies. While Earn features copy trading, this is unavailable on Trading 212. Overall, Trading 212 earns a higher user rating with 5 stars compared to Earn's 3.5 stars for its range of investments. Trading 212's broader offerings contribute to its higher ranking, placing it at 15th compared to Earn's 45th in the Range of Investments category by ForexBrokers.com.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Forex Trading (Spot or CFDs) | Yes | Yes |
| Tradeable Symbols (Total) | 8025 | 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.
When choosing between Trading 212 and Earn for their trading platforms and tools, both offer free virtual demo accounts for users to practice risk-free trading. While Trading 212 boasts its own proprietary platform, Earn relies on external platforms such as MetaTrader 4 and MetaTrader 5, providing a more diverse range of options for advanced traders. Trading 212 offers a web-based platform, whereas Earn provides both web-based and Windows-based desktop platforms. In terms of copy trading and integration with services like ZuluTrade, Earn takes the lead, catering to users interested in mirroring experienced traders' strategies, while Trading 212 opts out of these features. Trading 212 does, however, allow trading directly from stock charts, a feature that Earn also provides.
For charting tools, Trading 212 offers 20 drawing tools compared to Earn's 15, which might appeal to users who value detailed chart analysis. When it comes to watch lists, Earn offers more versatility with seven columns, compared to Trading 212's five. Despite having similarly high ratings of four stars each for their platforms and tools, Trading 212 is ranked higher at 20 out of 62 brokers by ForexBrokers.com, compared to Earn's position at 51. This suggests that while both platforms offer competitive features, Trading 212 may offer an edge in certain areas, making it a slightly more favorable option for those seeking a hand-crafted online trading experience.
| 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 offer mobile trading experiences that cater to users on both iOS and Android platforms, ensuring seamless access through their smartphone apps. Key features like stock and forex price alerts are standard with both brokers, allowing traders to stay updated with market movements. One significant advantage that Trading 212 holds over Earn is the ability to sync watchlist symbols between the mobile app and the online account. This means any changes made on either platform are updated in real-time, a feature Earn does not provide.
When it comes to the depth of charting tools, Trading 212 offers a remarkable 104 technical studies, significantly more than Earn's 35. Both brokers allow drawing trendlines and viewing different time frames on charts, along with auto-saving these drawings. Users of both apps can create watchlists with real-time quotes. In terms of overall app quality, Trading 212 and Earn both earn a solid 4-star rating. However, Trading 212 ranks higher in the category of Mobile Trading Apps according to ForexBrokers.com, placing 17th out of 62 brokers compared to Earn's 26th place. This indicates a slightly higher favorability towards Trading 212 in the realm of mobile trading solutions.
| 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 the market research offerings of online brokers Trading 212 and Earn, there are several distinct differences worth noting. Trading 212 provides forex news from top-tier sources like Bloomberg and Reuters, as well as an economic calendar to keep users informed about global events. In addition, it features a sentiment-based trading tool that shows the ratio of long or short positions across various instruments. However, it lacks daily market commentary and analysis tools from companies such as Autochartist and Trading Central. Earn, on the other hand, offers daily market commentary and also provides forex news from leading sources and an economic calendar. Similar to Trading 212, it does not include research tools from Autochartist or Trading Central and lacks sentiment-based trading tools.
Both Trading 212 and Earn offer a balanced mix of information and tools, though each has its unique strengths. Trading 212 stands out with its sentiment-based trading tools, while Earn is appreciated for its daily market commentary. Both platforms share the same research star rating of 3.5 out of 5, with Trading 212 ranking 46th and Earn ranking 38th out of 62 brokers in the Research category according to ForexBrokers.com. This suggests that while neither platform excels in research, Earn has a slight edge in the overall broker rankings for this category.
| 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 comparing the educational resources offered by Trading 212 and Earn for beginners, Trading 212 clearly stands out. It provides an array of learning materials with more than 10 pieces focused on forex and CFDs, including articles, videos, and archived webinars. Trading 212 also organizes monthly educational webinars and maintains a searchable archive of these sessions. Newcomers will benefit from over 10 beginner-friendly videos on trading topics, while more experienced traders might find the advanced video content useful. Additionally, Trading 212 offers an investor dictionary to clarify investing terms with at least 50 definitions.
In contrast, Earn falls short in these areas. It doesn't offer the same level of educational content; lacking the minimum 10 forex or CFDs-focused materials, it skips scheduled webinars and lacks a searchable webinar archive. Moreover, Earn does not provide a sufficient number of beginner or advanced educational videos and is without an investor dictionary of 50 terms. While both Trading 212 and Earn share a 3.5-star rating for education, Trading 212 is significantly more comprehensive in its offerings, as reflected in its higher educational ranking of 20th out of 62, compared to Earn's rank of 61st.
| Feature |
Trading 212
|
Earn
|
|---|---|---|
| Education (Forex or CFDs) | Yes | No |
| Client Webinars | Yes | 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 62 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 |
|
|
| Trust Score | 79 | 71 |
| Range of Investments |
|
|
| Commissions & Fees |
|
|
| Platform & Tools |
|
|
| Research |
|
|
| Mobile Trading |
|
|
| Education |
|
|
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.
Select Brokers
↓×Compare
0 of 5| Overall Rating | Trading 212 | Earn | |
|---|---|---|---|
| Overall Rating |
|
| |
| Commissions & Fees |
|
| |
| Range of Investments |
|
| |
| Platform & Tools |
|
| |
| Mobile Trading |
|
| |
| Research |
|
| |
| Education |
|
| |
| Trust Score | 79 | 71 | |
| Winner | check_circle | ||
| Review | Trading 212 Review |
| Broker Screenshots | Trading 212 | Earn | |
|---|---|---|---|
| Trading Platforms Gallery (click to expand) |
| ||
| Mobile Trading Gallery (click to expand) |
| ||
| Research Gallery (click to expand) |
| ||
| Education Gallery (click to expand) |
|
| Regulation | Trading 212 | Earn | |
|---|---|---|---|
| Trust Score | 79 | 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 | 2 | 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) | 8025 | 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 | 1.9 | N/A | |
| All-in Cost EUR/USD - Active | 1.9 | 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 | €10 | $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 | Yes | 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 | |
|---|---|---|---|
| Overall Rating |
|
| |
| Commissions & Fees |
|
| |
| Range of Investments |
|
| |
| Platform & Tools |
|
| |
| Mobile Trading |
|
| |
| Research |
|
| |
| Education |
|
| |
| Trust Score | 79 | 71 | |
| Winner | check_circle | ||
| Review | Trading 212 Review |
IG
CMC Markets
FOREX.com
XTB
eToro
AvaTrade
Plus500
Pepperstone
FP Markets
Tickmill