Trading 212: annual cost-percentage denominator
EUR 30 costs can appear as 0.03% of exposure while representing 3% of assumed cash.
The product sets the denominator
Annual Costs Help uses average cash/investments over active days for Invest/ISA, versus total trading exposure for CFDs. This is a reporting method, not a new fee schedule.
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Diagram explained
Same fee, different denominator and meaning
- Assume EUR 30 fees; EUR 100,000 exposure
- 30 / 100,000 = 0.03% of exposure
- 30 / 1,000 cash = 3%
Two-ratio example
Assume EUR 30 costs, EUR 100,000 CFD exposure and EUR 1,000 reference cash: exposure gives 0.03%, while cash-relative cost is 3%. Both are arithmetic but answer different questions; cash does not replace the official denominator.
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Avoid double counting
Closed-result FX fees, spreads and overnight costs can sit in different groups. Reconcile items before adding; do not add the statement total to individual charges already included in it.
Sources for this section
Official Trading 212 source Official Trading 212 source Official Trading 212 source
Do not compare products by percentage alone
Invest has distinct multi-currency/Pie flows, so its percentage is not directly comparable with leveraged CFDs. Retain account type, active days and denominator; a low fee percentage does not establish low risk or capital loss.
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