Trading 212
Betterment
VS
Higher Rated
Trading 212
Capital at risk · T&Cs apply
Choosing between Trading 212 and Betterment depends on your trading style, preferred markets, and budget. Trading 212 is headquartered in London, UK, while Betterment operates from New York, USA. Trading 212 has the longer track record, established in 2004, compared to Betterment which was founded in 2008. This in-depth comparison covers regulation, fees, platforms, markets, and overall ratings to help you decide which broker is the better fit in 2026.
Trading 212
Betterment
Trading 212 is the better choice overall, scoring 3.6/5 vs 3.2/5 on BrokerRank's independent rating. On fees, Betterment offers lower spreads (0 pips).
See full side-by-side comparison belowOverall Rating
Trading 212
3.6 vs 3.2
Lowest Fees
Betterment
0.5 vs 0 pips
Regulation
Trading 212
2 vs 1 licences
Min. Deposit
Betterment
$1 vs $0
Trading 212
Betterment
Trading 212
Betterment
Lower feesTrading 212 holds licences from FCA, CySEC. Betterment is regulated by SEC.
Both brokers offer access to Stocks, Indices markets. Trading 212 additionally covers Cfd, Forex, Commodities.
On spreads, Betterment is more competitive with EUR/USD spreads from 0.0 pips, compared to 0.5 pips at Trading 212.
Trading 212 supports Proprietary Web, Proprietary Mobile. Betterment offers Proprietary Web, Proprietary Mobile. Both brokers are available on Proprietary Web, Proprietary Mobile.
Trading 212 requires a minimum deposit of $1, while Betterment sets no minimum deposit. This makes Betterment accessible to traders with any budget.
BrokerRank scores Trading 212 at 3.57/5 and Betterment at 3.24/5, based on 50+ data points covering regulation, fees, platforms, markets, and user experience. Trading 212 leads overall with a clear advantage.
Trading 212 scores higher overall on our independent rating system. Trading 212 holds a 3.6/5 rating vs Betterment's 3.2/5. The best choice ultimately depends on your trading style — see our full verdict above for a detailed breakdown.
Trading 212 offers spreads from 0.5 pips, while Betterment starts at 0 pips. Check the fees section above for a full breakdown.
Trading 212 requires a minimum deposit of $1. Betterment requires $0.
Trading 212 is regulated by FCA, CySEC, while Betterment holds licences from SEC.
Trading 212 supports Proprietary Web, Proprietary Mobile. Betterment supports Proprietary Web, Proprietary Mobile.
Yes, you can hold accounts at multiple brokers simultaneously. Many traders diversify across platforms to access different markets and tools.
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Trading involves risk. Past performance is not indicative of future results. Capital at risk. Full risk disclosure.