The Trading 212 Cash ISA is considered safe in 2025 as it is regulated by the UK Financial Conduct Authority (FCA) and partners with UK-authorised banks to hold client money in segregated accounts. This setup complies with strict safeguarding rules under UK financial regulations. Importantly, your cash ISA deposits with Trading 212 are protected by the Financial Services Compensation Scheme (FSCS) up to £85,000 per person, per institution, which means if Trading 212 or its partner banks were to fail, your money is safeguarded up to that limit. The platform also uses strong security measures such as encryption and two-factor authentication to protect accounts from unauthorized access. However, while the initial cash is protected, if you opt into interest-earning products that invest your money, those funds may no longer be covered by FSCS. Additionally, the protection limit is shared across accounts held at the same bank, so total protection depends on how funds are distributed among banks. Overall, Trading 212's Cash ISA offers a safe and regulated way to save tax- free money up to the FSCS protection limit, with convenient app-based access and competitive interest rates. Awareness of FSCS limits and product conditions is advised to avoid unexpected risk.
