Trading 212 Card: 0.5% Cashback + 0.15% FX Fees

Why the Trading 212 Card?

Trading 212 is primarily an investing platform — with 5M+ users and £25B+ in client assets — but their debit card is a hidden gem for everyday spending. You get 0.5% cashback paid daily into your investment account, plus just 0.15% FX fee with no markup — making it one of the cheapest cards for international purchases in the UK.

While it’s not a credit card and the cashback rate is lower than some alternatives, the combination of zero monthly fees, ultra-low FX costs, and auto-investing cashback makes it a genuinely useful card for anyone already investing or looking to start.

How It Stacks with VPN Cashback

When you pay for a VPN through a cashback platform using your Trading 212 card, you’re triple-stacking:

• Cashback platform: Gives 100% back on the VPN cost
• Trading 212: Gives 0.5% cashback on the payment
• FX savings: Only 0.15% FX fee if the VPN charges in USD

For example, buying a NordVPN 2-year plan at $83.43 through TopCashback:

• TopCashback: 100% cashback = full cost back
• Trading 212: 0.5% cashback = ~£0.34 back
• FX fee: Just ~£0.10 at 0.15%

The amounts are small on a single VPN purchase, but across all your monthly spending the 0.5% cashback and ultra-low FX fees add up — especially if you regularly buy international services.

Key Features

0.5% Cashback

On all card spending, paid daily into your investment account. Cashback can be auto-invested into stocks/ETFs of your choice — your spending literally grows your investments over time.

Low FX Fees

Just 0.15% with no rate markup and no weekend surcharges. This is one of the lowest FX rates of any UK card — most high-street banks charge 2.5—3%, and even Revolut charges fees on weekends.

Mastercard

Works everywhere Mastercard is accepted — contactless, PIN, and online. Add it to Apple Pay or Google Pay for tap-and-go payments.

Daily Cashback

Unlike most cards that pay cashback monthly or quarterly, Trading 212 pays cashback daily after each completed transaction. You see it land in your account almost immediately.

Auto-Invest

Cashback can automatically invest into your chosen portfolio. Set it once and your spending generates compound returns over time — a genuinely clever feature that most cashback cards don’t offer.

£15/Month Cap

Maximum cashback is £15/month, which requires £3,000 monthly spend at 0.5%. For most people, you won’t hit this cap. Promotional rates may boost this — Trading 212 has previously offered 1.5% cashback during promotional periods.

Excluded Transactions

No cashback on: credit card bill payments, money transfers, gambling, or ATM withdrawals. Standard retail purchases, subscriptions, and online shopping all qualify — so your VPN, streaming, and everyday spending will all earn cashback.

How to Get Started

• Sign up for a Trading 212 account (takes 5 minutes)
• Request the card from the app
• Add to Apple Pay/Google Pay for instant use
• Start earning 0.5% on every purchase

There’s no credit check — it’s a debit card linked to your Trading 212 cash balance. Fund your account and you’re ready to spend and earn.

Trustpilot & Reputation

Trading 212 has a strong reputation: 4.6/5 on Trustpilot from over 80,000 reviews. The platform has 5M+ funded accounts globally and is FCA-regulated. The app is rated 4.5/5 on the Apple App Store and 4.2/5 on Google Play.

The Bottom Line

The Trading 212 card is ideal for UK users who want a no-fee way to earn cashback on everyday spending while keeping FX costs minimal. The 0.5% rate isn’t the highest — Capital On Tap offers 1% for business — but the 0.15% FX fee makes it one of the cheapest cards for international purchases.

Combined with cashback platforms for VPN deals, it’s another layer of free money. Set it up once, let the cashback auto-invest, and your everyday spending quietly grows your portfolio in the background.