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The Revolutionary 212 Card

No FX fee, true interbank rate, no spread markup

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Open a Trading 212 Invest account. 212 cards are issued by Paynetics. Trading 212 provides you with the user interface and full customer support. Paynetics provides all card-related payment services.

T212 card imagebackground effectT212 mobile card image

Zero

FX fee, true interbank rate

4.2%

p.a. on your euro

12

major currencies

Free

No monthly subscription

Interest is variable and subject to activation. Money partly held in money market funds. 4.2% includes a new-client bonus for 4 months. Promo Rate Terms apply. ATM withdrawals are free up to €400 per month, 1% ATM fee applies thereafter.

EUR

4.2%

USD

3.3%

GBP

3.55%

HUF

3%

PLN

2.25%

CZK

3%

RON

3.5%

DKK

0.25%

NOK

0.25%

SEK

0.5%

Earn 4.2% on your Euro

Interest paid daily. Spend and withdraw anytime.

Learn more

4.2

EUR

If you enable interest, we will hold your cash in qualifying money market funds and banks. Otherwise, we will hold it only in banks. Interest applies on cash in an investment account. Terms apply. When investing, your capital is at risk.

4.2% includes a new-client bonus for 4 months, then 2.80% (variable). Promo Rate Terms apply.

Spend in 176 currencies
with the ultimate travel card

No FX fee, true interbank rate, no spread markup

0% FX fee applies to all 212 card transactions. 0.15% FX fee applies when you convert funds in the app.

FX rate

1 GBP to EUR

FX fee

Received

trading212 image

€1.17509

€0.00 (0%)

€1,175.09

Logo

Ultra

·€50

€1.17359

€0.00 (0%)

€1,173.59

-€1.50

wise image

€1.17661

€3.87 (0.33%)

€1,172.73

-€2.36

revolutPlus image

Plus

·€3.99

€1.17359

€5.84 (0.5%)

after the free exchange limit of €3,000 per mo. is exceeded

€1,167.72

-€7.37

revolutStandard image

Standard

€1.17359

€11.62 (1%)

after the free exchange limit of €1,000 per mo. is exceeded

€1,161.85

-€13.24

hsbc image

€1.17660

€31.47 (2.75%)

€1,144.24

-€30.85

natWest image

-

€0.00 (2.75%)

-

barclays image

-

€0.00 (2.99%)

-

We do not include accounts with limited availability due to eligibility requirements, such as high minimum balance, high annual income, etc.
FX exchange is offered only in the context of Trading 212's investment services. Comparisons to other service providers are made by Trading 212 and are based on published rates on their websites. Learn how we collect this data.

Multi-currency account

Earn high interest on your cash

Learn more

Watch the video

Move money instantly between
saving, investing, and spending

Invest commission-free

Spend
anywhere

Earn 4.2% APY on your euro

4.2% includes a new-client bonus for 4 months, then 2.80% (variable). Promo Rate Terms apply.

Pay fast and easy in shops, in apps, and online with Apple Pay.

Frequently asked questions

What rate do I get from Trading 212?

You always get the live interbank rate with no additional spreads or markups.
If you're converting during the weekend, you get the last available interbank rate from the weekday, as there is no live interbank rate during the weekend.
In case we don't have an interbank rate, we'll use Mastercard's exchange rate without adding additional spreads or markup.

What is the interbank rate?

The interbank rate is the rate at which banks exchange currencies with each other. This rate is not a single rate but rather a range defined by the buy and sell prices.
The sell price is the highest price a buyer is willing to pay for a currency, and the buy price is the lowest price at which a seller is willing to sell. The difference between these two prices is known as the spread.

For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, that is the interbank rate range.
The interbank rate for buying USD with EUR is 1.07750.
The interbank rate for selling EUR for USD is 1.07700.

What is the mid-market rate?

The mid-market rate is the midpoint between the buy and sell prices of the currencies on the global currency markets.

For example, if EUR/USD's current buy and sell prices are 1.07700 / 1.07750, mid-market rate is 1.07725, the value that's in the middle of 1.07700 / 1.07750.

The same rate of 1.07725 will apply whether you're buying or selling.

What is the difference between interbank rate and mid-market rate?

The difference between the interbank rate and the mid-market rate is the position within the buy and sell price range.
The interbank rate varies depending on if you are buying or selling currency - it's the specific rate you get at that moment.
The mid-market rate is the average of the buy and sell rates and is the same whether you are buying or selling. It's like the halfway point between what buyers are willing to pay and what sellers are willing to accept.

The card that helps you save and invest

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