Trading.com review

Regulated by

FCA (705428); ASIC (AFSL 443670); CySEC (256/14); CFTC/NFA (0516820)

Regulator tier

Tier 1

Register entry

FCA Financial Services Register, FRN 705428

Client money segregated

Yes

Held at

Top-tier banks

Negative balance protection

Yes for eligible retail CFD clients

Compensation scheme

FSCS up to £85,000 for eligible UK clients; ICF up to €20,000 for eligible EU clients

Audited by

Independent external auditors

Not available to

Jurisdiction-dependent; Australian services are not directed at US residents or persons outside Australia where provision would breach local laws

The licence is what decides where your money sits and who is obliged to do something about it.

Trading.com holds tier-one authorisations from ASIC, FCA, CySEC and CFTC/NFA. That matters more than any headline spread: it determines your leverage cap, whether losses can exceed your deposit, and what happens to your money if the firm fails.

ASIC caps retail leverage at 1:30, requires negative balance protection, and obliges the broker to hold client money in a separate trust account.

The FCA caps retail leverage at 1:30, mandates negative balance protection, and covers eligible clients under the Financial Services Compensation Scheme.

CySEC licences passport across the EU and follow the 1:30 retail leverage cap, with the Investor Compensation Fund covering eligible claims.

Check the licence yourself: the FCA Register, ASIC Connect, the CySEC register of investment firms, NFA BASIC.

Legal entity

Trading.com Markets UK Limited

Company number

09436004

Headquarters

London, United Kingdom

Founded

2019

Publicly listed

No

Parent company

Trading Point Holdings Ltd

Employees

500+ across Trading Point Group

Also trades as

Trading.com; Trading Point

Spread from

0.6 pips

EUR/USD spread

Approx. 0.8 pips

GBP/USD spread

Approx. 1.1 pips

Commission

$0

All-in cost, EUR/USD

Approx. 0.8 pips

Spread type

Variable

Overnight swap

Both: overnight swaps may be charged or credited

Inactivity fee

$15 initial fee after 12 months, then $5/month

Withdrawal fee

None internally

Currency conversion

Conversion at applicable exchange rate

Cost is the last thing to weigh here, and never the thing that should decide it.

Spreads from 0.6 pips suggest an all-in account, where the broker's fee is built into the price rather than charged separately. There is usually no commission on top, which makes the cost easier to predict.

Quoted spreads are best-case figures on the most liquid pair, in normal conditions. What you actually pay widens around news and at the session open.

Trading.com lists a minimum deposit of $50. Treat it as the cost of opening an account, not the cost of trading one - position sizing on a small balance is what tends to cause damage.

Platforms

Trading.com WebTrader, Trading.com App, MetaTrader 5

Own platform

Yes

Mobile app

Both proprietary and third-party

Browser trading

Yes

Automated trading

Yes, MT5 Expert Advisors and algorithmic trading

Copy trading

No

Indicators

Dozens on MT5; advanced TradingView-powered indicators in Trading.com App

Third-party tools

MetaTrader 5, TradingView charting

API access

No retail API

MetaTrader 5 handles more asset classes and order types than MT4, but expert advisors are not compatible between the two - an MT4 EA will not run on it.

Markets

Forex, Stocks, Indices, Commodities, Thematic Indices

Currency pairs

50+

Total instruments

1,400+

Crypto CFDs

No

Maximum leverage

1:30

Execution model

Market maker / principal, matched-book hedging

Execution speed

Under 1 second

Order types

Market, limit, stop, stop-loss, take-profit, trailing stop

Servers

Global financial data-centre infrastructure

Leverage is capped at 1:30, which is the retail limit under tier-one regulation. It is a protection rather than a restriction: it caps how quickly a position can move against your balance.

Trading.com covers forex, stocks, indices, commodities, thematic indices. A wider range matters less than depth in the instruments you actually trade.

Funding options: credit/debit cards, bank transfer and jurisdiction-specific electronic payment methods. Check withdrawal routes as well as deposit ones - they are often not the same, and the difference only becomes apparent when you try to take money out.

Minimum deposit

$50

Account types

Trading Account, Investment Account, Demo

Account currencies

AUD, USD

Islamic account

No

Demo account

Yes

Professional account

Yes, jurisdiction-dependent

Minimum trade size

0.01 lots

Time to open

Typically a few minutes

Deposit methods

Credit/debit cards, bank transfer and jurisdiction-specific electronic payment methods

Withdrawal methods

Bank transfer, cards and supported original funding methods

Deposit time

Cards generally instant; bank transfer typically 1-3 business days

Withdrawal time

Typically 1-5 business days depending on payment method

Minimum withdrawal

$5 equivalent

Local payment methods

Australian bank transfer and jurisdiction-specific local payment methods

Support hours

Monday-Friday, 08:00-16:00 GMT+2; virtual assistant 24/7

Contact channels

Live chat, email, phone, virtual assistant

Languages

Multilingual

Telephone

+61 2 7250 0016

Email

support.au@trading.com

Live chat response

Typically under 2 minutes

Education

Extensive: Learning Centre, tutorials, video tutorials, glossary, calculators and platform education

Research

Daily Update, market research, trading tools and analysis