Freetrade vs Trading 212 UK 2026 comparison. Which commission-free investing app is better? Fees, ISA, pension, fractional shares compared.
Two of the biggest commission-free investing apps in the UK — but which one should you choose in 2026?
| Feature | Freetrade | Trading 212 |
|---|---|---|
| Commission | Free | Free |
| Stocks & Shares ISA | £4.99/month | Free |
| SIPP (Pension) | Yes (£9.99/month) | No |
| Fractional shares | Limited | Yes — all stocks from £1 |
| Cash interest | Yes (plan dependent) | 5%+ on all accounts |
| Auto-invest | No | Yes (Pies feature) |
You want a pension (SIPP) — Trading 212 doesn’t offer one. Also good if you prefer a slightly more traditional interface.
You want a completely free ISA, fractional shares from £1, and auto-investing. For most beginners it comes out ahead on features-for-cost.
Trading 212 for the free ISA and fractional shares. Freetrade if you need a pension account. Both are FCA regulated — you can’t go wrong with either.
Both apps are free to join — no reason not to try them.
Open Freetrade Free →Capital at risk. This is not financial advice.