It would help if you made sure with certainty that your money is held with a regulated brokerage. Checking whether Hargreaves Lansdown and Trading 212 are regulated is not a hard task. Sometimes you might have a more complex question requiring a specific part of the Hargreaves Lansdown or Trading 212 support team to answer satisfactorily. Email support with Hargreaves Lansdown and Trading 212 will be needed. An Islamic account is for people who respect the Quran and want to invest in the Islamic stock market.
As an FCA-regulated company, Hargreaves Lansdown ensures that your funds are protected by FCSC coverage. This means that portfolios up to a value of £85,000 are protected if the brokerage fails. This provides further security since Hargreaves Lansdown cannot access the funds, and they can only be returned to you. Trading 212 is more involved, but it is still remarkably easy to use. The platform features are easy to use, and the layout is clean and simple, with integrated news headlines prominently featured.
- Trading on your mobile with Hargreaves Lansdown and Trading 212 can be very useful.
- For people with next to no knowledge of trading, we recommend fully signing up with an Hargreaves Lansdown and Trading 212 demo account.
- Staff provide assistance on both technical platform queries and product-specific questions, such as account setup, transfers and wrapper eligibility.
- This does not increase the cost to you for using a broker and is how the site is funded and covers the costs of running this website.
Hargreaves Lansdown Fees
The contrasts between Hargreaves Lansdown and Trading 212 reflect differing philosophies toward cost, service breadth and user engagement. Trading 212 attracts clients prioritizing zero-commission trading, fractional ownership and a frictionless mobile experience, with simplicity of offering in place of deep advisory services. Individual preferences regarding portfolio complexity, trading frequency, support needs and cost sensitivity will drive the choice of platform for the discerning retail investor. For beginner investor educational resources, Trading 212 and Hargreaves Lansdown have some differences that could influence your decision. Hargreaves Lansdown provides educational client webinars, offering valuable opportunities for live learning, though neither platform offers these webinars archived for on-demand viewing.
Best Investment Apps UK: Invest From Your Phone in 2025
For investments in collective funds, a percentage-based charge applies on assets under administration, with rates that decrease as total holdings increase. Transactions in shares and hargreaves lansdown vs trading 212 exchange-listed funds incur a flat fee per deal, reduced for clients who execute a higher volume of trades each month. Telephone transactions carry a different rate structure, incorporating a percentage element with a defined minimum. Hargreaves Lansdown offers a unified custody mechanism for a wide spectrum of instruments. Investors may open a general investment account for direct dealing in shares, funds, trust structures, bonds and specialised vehicles. Regular contributions can be automated via direct debit, and investors can switch between funds and shares without opening new accounts.
Check the fees
Although newer, Trading 212 has grown rapidly popular due to its modern, user-friendly app, cost efficiency, and appeal to younger investors. Which broker is better overall, Trading 212 or Hargreaves Lansdown? After collecting more than 900 data points over a 10-week period, we found Trading 212 to be a better trading platform overall. More experienced traders should read our guide to the Best UK Trading Platforms for Active Traders.
More Comparisons
Trading 212 is best for cost-conscious, tech-savvy investors who prefer simplicity and direct access to markets. Ultimately, HL suits investors seeking deeper fund-based investment strategies, while Trading 212 fits simple, passive ETF-based investments. If your goal is passive, long-term investing, Hargreaves Lansdown often stands out due to its broader fund range, pension options, and comprehensive resources. Having both accounts could diversify your investing strategies and maximise advantages from each provider. Overall, Trading 212 typically offers significantly lower fees, particularly attractive for frequent or smaller investors. While Trading 212 provides users with the option for crypto trading, Hargreaves Lansdown does not offer this service.
- Based on our thorough review, Trading 212 offers better pricing than Hargreaves Lansdown for share dealing.
- They’ve got customer service teams on the phone, offices you can visit, and a reputation that’s hard to shake.
- The contrasts between Hargreaves Lansdown and Trading 212 reflect differing philosophies toward cost, service breadth and user engagement.
Trading Platforms
On the other hand, Hargreaves Lansdown allows you to open a wider range of ISAs and account types, including JISAs and LISAs. Using CFDs comes with high risk, though, so you should only trade in them if you are confident that you understand the risks involved. However, there’s a lot of competition among trading apps right now, so you may want to consider alternatives such as Plum and Lightyear which have some innovative features. Both Trading 212 and Hargreaves Lansdown have an app alongside their online platform. I tested both apps against each other for this comparison, although I’ve used both apps for a number of years now. With Hargreaves Lansdown you can also get personal financial advice from a regulated professional.
They’re billed for operations like depositing money, not investing for lengthy periods, or withdrawals. Whenever you make an actual trade, like purchasing a stock or an ETF, you are charged trading charges. In such cases, you’re paying a spread, funding rate, or a commission. The kinds of trading fees and the rates vary from broker to broker. Trading212 and Hargreaves Lansdown are online brokerage platforms, and many online brokerages charge lower fees than traditional brokerages tend to bill. The reason for this is that the companies of online trading platforms are scaled much better.
Hargreaves Lansdown vs Trading 212 UK Broker Comparison
Its mobile application integrates native device functions such as biometric authentication and push notifications for seamless operation. The simplified interface reduces cognitive load, focusing on core trading actions and portfolio oversight. Continuous integration and delivery pipelines enable frequent updates, reflecting user feedback and evolving market needs with minimal delay. These partners do not control the content on the page beyond providing us with datapoints to ensure that (as far as possible) the information in our database is accurate.
Trading212 and Hargreaves Lansdown both offer a wide range of payment options which is vital when you have a global customer base. Both Trading212 and Hargreaves Lansdown are well established with their client base. It is really important to work with a broker that is professional and one of the most simple ways of establishing this is by knowing how many clients are using their services. Trading212 and Hargreaves Lansdown have the following contact details and social medias that you can use.
Hargreaves Lansdown is very comprehensive, offers great customer service and has lots of accounts available, but on the whole, we don’t think it’s worth the additional high commissions. One of the stand-out features of the Trading 212 platform is its charting. There is the option for five charting types with access to 19 drawing tools and 45 indicators. You can use this feature to create and save chart templates, so you can apply various settings across different charts according to your preferences. You can also open multiple charts, switching between them when you’re doing your trading research. So, here we’ll perform a head-to-head Hargreaves Lansdown vs Trading 212 comparison in more detail to help you.
