Guides · Updated 10 November 2026
Trading 212 in Claude and ChatGPT: how to ask an AI about your Trading 212 portfolio
Trading 212 is one of the few brokers that hands a private investor an API: a beta key you generate in the app for an Invest or Stocks ISA account. What its pages do not describe is a connector for the Claude or ChatGPT app. Its AI moves so far are an in-app AI Chat and a set of agent skills for coding agents such as Claude Code and Codex — and those skills can place orders as well as read. To ask the chat apps about your Trading 212 account without giving anything trading rights, put the account into a tracker that runs an MCP server. In Fortunest that is a read-only key or the History CSV, then the in-app assistant on the free plan or, on Pro, the Claude app, ChatGPT, Claude Code or Codex over MCP.
The short answer
- Trading 212's API is real, and in beta. It covers Invest and Stocks ISA accounts, authenticates with a key and a secret, and lets you choose the key's permissions and restrict it to trusted IP addresses. Neither the API documentation nor the help centre mentions MCP.
- Trading 212's own AI stays with Trading 212. The in-app AI Chat answers about that one account; the agent skills hand your key to a coding agent, trading included if the key allows it.
- The free route: connect a read-only key or drop the History CSV into Fortunest and ask its in-app assistant. The CSV needs no account; a connection is kept on a free Fortunest account. The free plan covers three accounts and fifty assets.
- The Claude and ChatGPT route: on Fortunest Pro (€6.99 a month or €69 a year plus VAT; every new account starts with a 14-day Pro trial, no card), add
https://app.fortunest.ai/mcpas a custom connector in Claude or ChatGPT, or as an MCP server in Claude Code or Codex. Which other trackers and brokers run an MCP server is in portfolio apps with an MCP server. - One key per account. Invest and Stocks ISA are two keys and two connections — see several accounts at one platform.
What Trading 212 gives an AI, and what it does not
An AI assistant reaches your data through tools it is given — an MCP server, or an API it can call. Trading 212 has the API. Its public API documentation calls it version 0 and in beta, usable for Invest and Stocks ISA accounts only, with endpoints for the account summary, open positions, past orders, dividends, transactions and CSV report exports. The help centre's API key article adds the practical side: you accept a risk warning first, pick what the key may do — read account data, history and the portfolio, or place orders too — choose between unrestricted use and trusted IP addresses, and see the secret once. Neither page says anything about MCP.
In February 2026 Trading 212 announced, in the What's new section of its community forum, that the API can be plugged into AI tools — Claude Code, OpenAI Codex and OpenClaw — through agent skills published on GitHub. Those skills run inside a coding agent with your own key, and the announcement lists market, limit, stop and stop-limit orders among what they do. That is a different thing from a connector in the Claude or ChatGPT chat app, which the announcement does not describe. Unofficial MCP servers built on the same API exist on GitHub as well; Trading 212's pages do not describe them, and a key with order permissions gives whatever runs them the same rights.
Inside the app, Trading 212's AI Chat answers questions about the account's history: orders and their fees, dividends with the tax withheld, interest on cash, deposits and withdrawals. Its help article says it cannot answer for CFD or crypto history yet, does not convert between currencies and produces no tax statement.
What a tracker in between adds is the rest of your money and a connection that cannot trade. Fortunest reads the Trading 212 account beside your other brokers and exchanges, values everything in one display currency, and its connection is read-only by construction — there is no order-placing code in the app.
Step by step: from Trading 212 to an answer
The key and the export are the same as in the Trading 212 section of the docs and the Trading 212 portfolio tracker guide. Take the key if the account should stay current on its own; take the file if you would rather store no key.
- Generate a read-only key In the Trading 212 app open Settings → API (Beta), accept the risk warning and tap Generate API key. Give it the read permissions only — account, portfolio and history — and leave orders off. Choose Restrict access to trusted IPs with the address Fortunest shows you. Copy the key and the secret; the secret appears only once. A practice-account key works too, with demo as the environment.
- Connect it in Fortunest Open ⚙ Settings → Data → Connect an account in the app, pick Trading 212 and paste both. The key is checked live and nothing is stored unless it works; it is then encrypted at rest and never sent back to your browser. A guest can try it, but a guest session and its key are deleted after 12 idle hours — a free Fortunest account is what keeps the connection.
- Or drop the History CSV instead In the app or on app.trading212.com open Menu → History, click the export icon, pick the widest period, tick every category and download the CSV. Drag it onto the Portfolio value tile or drop it in ⚙ Settings → Data. No account is needed for a file.
- Add the Stocks ISA as its own connection Switch to the other account in Trading 212 and generate a second key there. In Fortunest pick Trading 212 again — the form now reads Connect another Trading 212 account — and keep Add as a new account. A name like Trading 212 ISA keeps the two apart.
- Ask the in-app assistant — free Open the assistant pane beside the dashboard and ask. It answers on a hosted model with a small free budget, on your own Anthropic, OpenAI or OpenRouter key, or on a local model through the desktop app.
-
Or connect Claude, ChatGPT, Claude Code or Codex — Pro
In Claude, Settings → Connectors → Add custom connector with
https://app.fortunest.ai/mcp; in ChatGPT, turn on Developer mode and create a connector with the same URL and OAuth; in Claude Code,claude mcp add --transport http --scope user --callback-port 49310 fortunest https://app.fortunest.ai/mcp. Sign in to Fortunest in the browser, review the permissions and click Allow connection. Each client's steps are in the External agents chapter.
If you use the file and the key for the same account, keep the connection on files first: the two describe the same trades in different currencies, so a cutover date — which the app suggests — rather than row matching is what stops them being counted twice. Then check the connection with a question that changes nothing: "Use Fortunest to summarize my top five holdings. Do not change anything."
What the key and the file bring in — and what they do not
- The History CSV is read in full: Market, Limit and Stop orders both ways, dividends however Trading 212 spells them, interest on cash and lending interest, deposits, withdrawals, currency conversions, stock splits, stock distributions and shares transferred in or out. Fractional holdings keep all ten decimals.
- Two currencies per row. The Total is the cash that moved in your account's currency; Price / share is the quote in the share's own currency. Each is used for what it is, so a US share in a euro or pound account is not multiplied into nonsense — and the withholding tax and the currency-conversion fee, already inside the Total, show as fees without being deducted twice.
- The key fetches as much history as Trading 212's API serves on its first sync; after that it syncs incrementally in the background, on its own while the dashboard is open, at the live-price cadence (15 minutes by default).
- Not read: the CFD export, a different file — the dashboard models no CFDs. Fortunest's docs name Invest and Stocks ISA for the export, and Trading 212's API is not available for a SIPP.
- What the AI sees is the portfolio built from the key or the file, not the raw CSV, and positions imported that way stay managed by their source: the assistant will not edit them by chat.
Try it on the demo portfolio — no account
Before you export anything or pay for Pro, connect Claude or ChatGPT to Fortunest's demo portfolio: four synthetic accounts — DEGIRO, Revolut, Kraken and Interactive Brokers — with made-up amounts over real tickers. No Fortunest account, no sign-in, nothing to install.
https://app.fortunest.ai/mcp/demo
In Claude
- Open Settings → Connectors and choose Add custom connector.
- Name it
Fortunest demo, paste the URL above as the Remote MCP server URL and click Add. There is no sign-in step. - In a new chat, enable Fortunest demo under + and ask: "Using Fortunest demo, what are the five largest holdings and how risky is this portfolio?"
In ChatGPT
- Turn on Developer mode under Settings → Apps & Connectors → Advanced settings.
- In Apps & Connectors choose Create: name
Fortunest demo, the URL above as the MCP server URL and Authentication: No authentication. Confirm that you trust it and click Create. - In a new chat, open + → More (or Developer mode), enable Fortunest demo and ask the same question.
In Claude Code: claude mcp add --transport http fortunest-demo https://app.fortunest.ai/mcp/demo. In Codex: codex mcp add fortunest-demo --url https://app.fortunest.ai/mcp/demo.
What the demo is. Seventeen read-only tools — portfolio summary, holdings, one position, allocation, risk, the value chart, upcoming events, recent trades, money flow, tax lots, the tax-free summary, the trade plan and its candidates, simulation inputs, data warnings and a search of the documentation — on one shared example portfolio. It cannot change anything, sees nobody's real data, and Fortunest runs no AI model for it: Claude or ChatGPT brings its own. For your own portfolio, import your exports in the app — free, with the in-app assistant; connecting an agent to it at https://app.fortunest.ai/mcp is Pro. Every endpoint and tool is listed in the Fortunest MCP server reference.
What you can ask about a Trading 212 portfolio
Trading 212 accounts tend to be monthly savings into ETFs and fractions of US shares, held in euros or pounds. Every question below is one the assistant manual or our guides document; they work in the in-app assistant and, over MCP, in a connected agent. Swap in your own holdings.
| Ask | What comes back |
|---|---|
| "Summarise my top five holdings by current value and their combined portfolio weight. Make no changes." | The five largest positions across the Invest and ISA accounts, in your display currency — the read-only check for a new connection. |
| "I invest every month. What does the gap between my time-weighted and money-weighted return say about my timing?" | TWR against IRR on your own deposits — they part ways exactly when money keeps arriving, as it does with a standing monthly order. |
| "What does the TER on my ETFs cost me a year?" | The fund fees at your position sizes, from the fee figures the dashboard shows. |
| "Show values in USD." | The whole dashboard in dollars, every past day converted at that day's rate — useful when most of a pound or euro account is US shares. |
| "Which of my holdings have earnings or dividend dates coming up?" | The upcoming earnings and dividend dates for what you hold, from the Events card's calendar. |
| "My worst performers this year." | The holdings table filtered and ordered by this year's return, with a comment on what is left. |
| "What was NVIDIA worth on 1 August, and what is the change?" | The close from the same daily series the charts use, converted at that day's exchange rate; up to eight dates in one go. |
| "Compare me to the S&P 500." | The value chart switched to return mode with the benchmark fed your own deposits, so a monthly saver is compared like for like. |
Which route: Trading 212's own AI, its agent skills, or a tracker
Each cell is what the vendor's own pages say on the date in the footnote. Not described means the pages we read do not mention it.
| Trading 212 AI Chat2 | Trading 212 agent skills2 | Fortunest assistant1 | Fortunest over MCP1 | |
|---|---|---|---|---|
| Where you ask |
|
|
|
|
| What it reads |
|
|
|
|
| Orders |
|
|
|
|
| Price |
|
|
|
|
Trading 212's cells were checked against its API documentation, help centre and community announcement on 10 November 2026. The agent skills' price is not stated in the announcement; the skills use your own Trading 212 key and your agent's own subscription.
Where this falls short
- It is one step removed. The agent reads Fortunest's copy of the account. A connection keeps it current on its own while the dashboard is open; a file is as current as your last export.
- No CFDs. The CFD export is not read, and CFD positions do not appear.
- The key and the file together need a cutover date rather than being merged automatically; the app suggests the date.
- MCP is Pro after the trial, whatever the agent reads goes to your agent's provider under their terms, ChatGPT custom connectors depend on your plan, and free Claude accounts are limited to one custom connector.
- Each Trading 212 account takes an account slot — Invest and ISA are two of the free plan's three.
How we checked
We read Trading 212's API documentation, its help centre articles on the API key and on AI Chat, and its community announcement of the AI integration on 10 November 2026. The Fortunest steps, what the import reads and the example questions come from our documentation, which is kept current with each release. We build Fortunest, so we are not neutral; where Trading 212's own AI Chat already answers your question inside its app, it is the shorter way.
Questions people ask
Can ChatGPT or Claude read my Trading 212 portfolio?
Yes, through a tracker: Trading 212's pages describe no connector for the Claude or ChatGPT app, but both read a tracker's MCP server. Connect a read-only Trading 212 key or import the History CSV into Fortunest, then add https://app.fortunest.ai/mcp as a custom connector in Claude or, with Developer mode, in ChatGPT, sign in and allow the connection. That needs Fortunest Pro, which every new account gets free for 14 days; in ChatGPT, custom connectors depend on your plan, and free Claude accounts are limited to one custom connector. Coding agents have a second route: the agent skills Trading 212 announced for Claude Code and Codex, which use your own key and can place orders.
Is there a Trading 212 MCP server?
Not from Trading 212. Its API documentation and help centre describe no MCP server; what it announced in February 2026 is a set of agent skills that let Claude Code, OpenAI Codex or OpenClaw call the API with your key, orders included. Unofficial MCP servers built on the same API exist on GitHub. A tracker with an MCP server — Fortunest on Pro, for example — gives the Claude and ChatGPT apps your portfolio read-only.
Does Trading 212 have an API?
Yes, in beta. Trading 212's public API works for Invest and Stocks ISA accounts: you generate a key and a secret in the app under Settings → API (Beta), choose its permissions — read-only, or orders as well — and can restrict it to trusted IP addresses. The secret is shown only once. For a tracker, give it the read permissions only and leave orders off.
Does Trading 212's own AI Chat answer the same questions?
Partly. Trading 212's in-app AI Chat answers about your orders, dividends, interest on cash, deposits and withdrawals, in your account currency. Its help centre says it cannot answer for CFD or crypto history yet and gives no tax statement. A tracker adds the account beside your other brokers and exchanges, in one display currency, with returns, risk and what-ifs computed across all of them.
Can I connect both my Trading 212 Invest and Stocks ISA accounts?
Yes. Trading 212 issues one key per account, so Invest and Stocks ISA are two keys and two connections: connect one, generate the second key while switched to the other account, then pick Trading 212 again and keep Add as a new account. Each connection takes one account slot — three on the free plan.
Can an AI place trades in my Trading 212 account through Fortunest?
No. Every Fortunest connection is read-only: it cannot place, change or cancel an order or move money, and there is no order-placing code in the app. Changes an agent proposes inside Fortunest itself — a note, a target, a setting — need your approval there.
Sources
- Fortunest — the Trading 212 walkthrough, several accounts at one platform, how the three methods work, the MCP server reference and its External agents chapter, the assistant manual's free budget section, and the DEGIRO MCP guide, which covers the same route for a broker without an API.
- Trading 212 — Public API documentation; help centre, Trading 212 API key and What can I ask AI Chat about my account history?; community, Trading 212's API can now integrate with AI (4 February 2026) — all read 10 November 2026.
Signals, analyses and assistant answers in Fortunest are informational — not financial or tax advice.