6 Best Robo Advisors in Ireland for Beginners in Q2 2025

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eToro

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eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Whether you’re saving for a new home, planning for retirement, or just want to see your money grow, robo advisors can be a great tool. They’re known for being cost-effective, easy to use, and accessible to everyone – no finance degree required.

This guide walks you through the top robo advisors in Ireland. We compare their features, fees, and services, making it easy for you to find the one that best fits your needs. Our aim is to provide you with clear, unbiased information so you can make an informed decision on how to invest with confidence.

So, let’s embark on this journey together and explore how these digital platforms can make investing a more secure and rewarding experience for you.

Our picks: best Ireland robo-advisors overall for 2025

What is the best robo advisor in Ireland?

These are the best robo advisors in Ireland, each with a range of investment options to accommodate various budgets and risk preferences. 

Click on the links in the table to begin your journey, or continue reading for a detailed comparison of these Irish robo investors.

4.6

eToro

Min. Deposit $100

Fees 1%

No. assets 3600+

Demo account Yes

Visit site

eToro review

eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

4.3

Skilling

Min. Deposit $100

Fees From 0.1%

No. assets 1200+

Demo account Yes

Visit site

Skilling review

80% of retail CFD accounts lose money when trading CFDs with this provider.

4.4

IG Markets

Min. Deposit n/a

Fees Spread only

No. assets 17000+

Demo account Yes

Visit site

IG review

Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work, and whether you can afford to take the high risk of losing your money.

Top Ireland robo advisor reviews 

1. eToro. Best for beginners, copy-trading & demo-account

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4.5

Ratings

€100

Min. deposit

0% commission

Fees

3,600

No. assets

Yes

Demo account

Overview

We love eToro because it’s a crypto trading platform built with beginners and casual traders in mind. The platform combines an interactive, social trading experience with an easy-to-use interface, making it ideal for novice traders.

The far-reaching catalog of 100 cryptocurrencies includes big names like Bitcoin and Ethereum, as well as smaller crypto tokens with high growth potential. Some supported tokens can be seamlessly transferred to the eToro Money crypto wallet for safekeeping.

One feature we particularly appreciate is the ability to interact with eToro’s 35 million users on any asset, market, or portfolio page. If you find traders whose strategies match your risk tolerance, you can copy their portfolios automatically using eToro’s flagship copy trading functionality. eToro crypto’s Smart Portfolios offer a great entry point into digital currencies, an opportunity to learn and potentially benefit from the expertise of more experienced traders.

If you don’t feel comfortable investing your cash straight away, you can use a free demo account, credited with $100,000 virtual dollars. This offers plenty of opportunities to try out a trading strategy that works for you across the 100 crypto tokens available.

Highlights

No. of tradable assets	3600+
Min. Deposit	$100
ID verification required	Yes
Free demo account	Yes
Supported assets	Stock CFDs, ETF CFDs, Forex CFDs, Index CFDs, Commodity CFDs, NFTs, Crypto
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	ASIC, FCA, CySEC, FinCEN

Fees & Costs

Trading fees	Yes, on certain assets
Inactivity fees	Yes
Rollover/overnight fees	Yes, on CFDs
Withdrawal fees	Yes
Spreads	Yes, on certain assets
Conversion fees	Yes, for non-USD currencies

Pros & Cons

Great for beginners, simple to set up and get started Competitive, industry-leading commissions Popular ‘Copy Portfolios’ function lets you follow top traders Excellent customer service, with live chat support provided

Comparatively high fees for withdrawals and account inactivity Does not integrate with the MetaTrader platform High spreads on some assets

Read review Visit eToro

Crypto investments are risky and highly volatile. Tax may apply. Understand the risks here https://etoro.tw/3PI44nZ.

2. Skilling. Best app for mobile trading

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4

Ratings

€100

Min. deposit

From 0.1pips

Fees

1,200

No. assets

Yes

Demo account

Overview

We love Skilling because it’s a beginner-friendly platform that makes trading accessible to everyone. It offers a good choice of markets to trade via CFDs, with access to over 1200 instruments. Skilling allows you to trade 55 cryptocurrencies including the big names like BTC and ETH as well as altcoins like DOGE. 

Skilling’s extensive selection of markets is complemented by its low spreads, fast execution, and choice of trading platforms, including MT4, cTrader, and SkillingTrader. In addition, its mobile trading app, available on both iOS and Android, allows you to easily trade on the go. 

What sets Skilling apart from the competition is its social trading platform, Skilling Copy. Here you can use its proprietary software to copy the trades of experienced traders. This makes it a perfect platform for beginners looking to learn from experts, or experienced traders looking to diversify into new markets. 

The fees: Skilling charges a maker and taker fee on all cryptocurrency trades of 0.1% for each. 

Highlights

No. of tradable assets	1200+
Min. Deposit	€100
ID verification required	Yes
Free demo account	Yes
Supported assets	Stock CFDs, ETF CFDs, Forex CFDs, Crypto CFDs, Index CFDs, Commodity CFDs
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	CySEC

Fees & Costs

Trading fees	No
Inactivity fees	No
Rollover/overnight fees	Yes
Withdrawal fees	Yes, for certain payment methods
Spreads	Yes
Conversion fees	Yes, for certain currencies

Skilling may charge discretionary non trading fees upon withdrawal

Pros & Cons

Commission-free trades with competitive spreads from 0.7 pips Can trade over 800 securities across 17 global markets Regulated by the Cyprus Securities and Exchange Commission (CySEC)

No 24/7 support

Read review Visit Skilling

80% of retail CFD accounts lose money when trading CFDs with this provider.

3. IG Markets: Best for trusted and transparent trading

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4

Ratings

€-

Min. deposit

Spread only

Fees

17,000

No. assets

Yes

Demo account

Overview

We love IG because it’s one of the most established and reputable names in the online trading industry, known for its reliability, comprehensive market offerings, and strong regulatory compliance. IG offers CFD trading in stocks, forex, commodities, indices, ETFs and more, with plenty of useful plugins and integrations to improve the trading experience.

One of the key strengths of IG Markets is its seamless integration with MetaTrader 4 (MT4), a popular third-party trading platform favored by many traders for its advanced charting tools, automated trading capabilities, and custom indicators. This integration allows users to leverage MT4’s sophisticated features while benefiting from IG Markets’ competitive pricing, reliable execution, and extensive market access.

Beyond its product range and platform integrations, IG Markets stands out for its commitment to education and customer support. The company offers a wealth of educational resources, such as webinars, tutorials, and market analysis, which help traders of all levels improve their knowledge and skills.

The fees: For most assets, you don’t pay a trading fee but will be charged through the spread instead. That’s the difference between the buy and sell price of an asset. IG’s spreads are competitive but variable: you’ll pay a smaller spread on popular assets compared to less popular ones. Share trading works differently, and you’ll be charged a minimum fee on each trade of at least $15.

Highlights

No. of tradable assets	17,000+
Min. Deposit	$0
ID verification required	Yes
Free demo account	Yes
Supported assets	Stock CFDs, ETFs, Forex CFDs, Crypto CFDs, Index CFDs, Commodities
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	FSCA, MAS, FMA, ASIC, FCA, BaFin, FINMA, DFSA, BMA, CFTC, NFA

Fees & Costs

Trading fees	Yes
Inactivity fees	Yes
Rollover/overnight fees	Yes
Withdrawal fees	No
Spreads	Yes
Conversion fees	Yes

Pros & Cons

Intuitive web trading platform Excellent demo account available Variety of deposit and withdrawal options Wide variety of useful educational tools Trading platform tutorial to get you started

Slow account opening process Unavailable in all regions

Read review Visit IG Markets

Spread bets and CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 75% of retail investor accounts lose money when trading spread bets and CFDs with this provider. You should consider whether you understand how spread bets and CFDs work, and whether you can afford to take the high risk of losing your money.

4. Bitpanda: Best for fractional & small scale investing

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4

Ratings

€25

Min. deposit

...

Fees

3,000

No. assets

No

Demo account

Overview

We love Bitpanda because it’s an all-in-one investment platform. BitPanda offers 250+ assets, including 50+ cryptocurrencies and a range of crypto indices, making it simple to invest in the crypto market without having to make tough decisions about each coin. 

BitPanda is one of the most accessible crypto platforms around. The minimum trade size is just €1 and you can automate your investments so that you can add more Bitcoin regularly. The BitPanda card offers cashback up to 2% paid in Bitcoin.

Small scale investing is just one of Bitpandas best features. It also offers a user friendly interface that simplifies the investment process. Its transparent fee structure means you’ll be fully aware of any costs before making a trade. There’s also a wealth of educational resources making it an excellent choice for investors wanting to learn more. 

The fees: Bitpanda’s fees are easy to understand. All fees are included in the spread, so you won’t be charged a commission on your trades. A premium of 1.5% is included as part of the buy and sell price of each asset.

Highlights

No. of tradable assets	3000+
Min. Deposit	€25
ID verification required	Yes
Free demo account	No
Supported assets	Stocks, Crypto, Commodities, ETFs
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	FMA, MiFID II, BaFin, VASP, PSD2, EMI

Fees & Costs

Trading fees	Yes
Inactivity fees	No
Rollover/overnight fees	Yes
Withdrawal fees	Depending on method
Spreads	Yes
Conversion fees	Yes

Pros & Cons

300+ cryptocurrencies Wide range of other digital assets 10 fiat currencies accepted Low fees for Bitcoin buyers using credit or debit card in Europe Fully automated transactions happening in real time

Fees are not explicitly laid out Restricted European countries at present Limited customer support features

Read review Visit Bitpanda

Don’t invest unless you’re prepared to lose all the money you invest. This is a high-risk investment and you should not expect to be protected if something goes wrong

5. Degiro. Best for 0% commission on US stocks

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4

Ratings

€-

Min. deposit

From €1 (+€1 handling fee)

Fees

2,000,000

No. assets

No

Demo account

Overview

Degiro is a low-cost platform, making it a great choice for UK investors who want to keep fees to a minimum. 

When we tested Degiro, we were impressed by its straightforward, no-frills approach. The platform is designed to be simple and efficient, which is perfect for beginners.

One of the main advantages of Degiro is its low fees. There are no inactivity fees or hidden charges, and the trading costs are among the lowest we’ve seen. You can buy and sell US listed shares and pay just €1 commission.  

This makes it ideal if you’re looking to invest without having your profits eaten away by fees. However, it’s worth noting that Degiro doesn’t offer commission-free trading, unlike some other platforms.

Degiro is also regulated by top financial authorities, including the FCA. The platform offers access to a wide range of global markets, which is great if you want to diversify your portfolio beyond UK stocks.

We also liked that Degiro provides a user-friendly mobile app, which makes it easy to manage your investments on the go. 

However, the platform is quite basic when it comes to research tools and educational content. If you’re a beginner who wants in-depth guidance, you might find this lacking.

Overall, we think Degiro is an excellent choice for UK investors focused on low-cost trading. It’s simple, cost-effective, and gives you access to a broad range of markets. While it might not have all the bells and whistles, it’s a reliable platform for getting started with investing.

The fees: All stock trades come with a €1 handling fee. US stock trading has no other fees, UK stock trading costs $1.75, and European stock trading costs €3.90. The rest of the world costs €5. A core selection of ETFs are free to trade, other global ETFs cost €2 plus a €1 handling fee. Derivative trading costs €0.75. There are no inactivity, deposit, or withdrawal fees.

Highlights

No. of tradable assets	2,000,000 +
Min. Deposit	$0
ID verification required	Yes
Free demo account	No
Supported assets	Stocks, Indices, Commodities
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	BaFin

Fees & Costs

Trading fees	Yes
Inactivity fees	No
Rollover/overnight fees	Yes
Withdrawal fees	No
Spreads	Yes
Conversion fees	Yes

Pros & Cons

Low trading fees No minimum deposit required Segregated client funds

No forex or cryptocurrencies offered for trading Not as well known as other UK brokers

Read review Visit DEGIRO

Investing involves risk of loss

6. Eightcap. Best online broker for choice of trading platform

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4.5

Ratings

€100

Min. deposit

Up to $3.5 RT

Fees

800

No. assets

Yes

Demo account

Overview

We love Eightcap because you have several trading platforms to choose from. You can choose between MetaTrader 4, MetaTrader 5, and TradingView. All of these platforms are favourites among retail traders. With the MetaTrade suite of platforms, you can access lots of technical indicators, custom tools, and expert advisors. 

TradingView with Eightcap allows you to trade directly from your charts while accessing the hundreds of tools and features available. Eightcap has over 40 forex pairs available, including the majors, minors, and some exotic crosses.  

The fees: Eightcap is a CFD broker and charges spread, commissions, or a combination of both. There are two account types available, RAW, and Standard. The RAW account has ultra-low spreads starting from 0.0 pips but charges $3.5 RT per lot. The standard account is commission-free for most assets and spreads start from 1 pip.

Highlights

No. of tradable assets	800+
Min. Deposit	$100
ID verification required	Yes
Free demo account	Yes
Supported assets	Stocks, Crypto, Commodities, , Indices
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	ASIC, FCA, CySEC

Fees & Costs

Trading fees	Yes
Inactivity fees	No
Rollover/overnight fees	Yes, on certain assets
Withdrawal fees	Yes, for certain payment methods
Spreads	Yes
Conversion fees	Yes, currency dependent

Pros & Cons

Low trading fees for CFDs Trade directly from the TradingView platform Regulated by top-tier authorities Leverage up to 1:500 Partnered with multiple proprietary trading firms

Some markets are not available to all regions Customer support does not operate 24/7

Read review Visit Eightcap

74-89% of retail CFD accounts lose money

What is a robo advisor?

A robo advisor is a digital investment platform that provides automated, algorithm-driven financial planning services with little to no human supervision. 

A typical robo advisor collects information from clients about their financial situation and future goals through an online survey, and then uses this data to offer advice and automatically invest your assets.

How does a robo advisor work?

Robo advisors work by using algorithms to analyse your financial data and investing goals, which you provide through an online questionnaire. Based on this information, they create and manage an investment portfolio for you. 

They often use investment vehicles like ETFs (exchange-traded funds) to build these portfolios, considering factors like risk tolerance, investment timelines, and specific goals. These investments allow for a great degree of flexibility 

How should I choose a robo investor in Ireland?

Choosing an Irish robo advisor involves several key considerations to ensure that the service aligns well with your financial goals, investment style, and preferences. Here’s a detailed guide to help you select the right robo advisor for your needs:

Investment goals and needs.

Determine why you want to use a robo advisor. Common reasons include saving for retirement, building an emergency fund, or general wealth accumulation. This, along with your investment time frame, can affect which robo advisor suits you best. Some are better for short-term goals, while others are tailored for long-term investing.

You should also assess your comfort with risk. Robo advisors in Ireland often offer portfolios ranging from conservative to aggressive. Understanding your risk tolerance helps in selecting a portfolio strategy that aligns with your comfort level.

Cost structure

Irish robo advisors typically charge an annual fee based on a percentage of your assets under management (AUM). Compare fees across different providers – they can range from around 0.25% to 0.50% per year. And be aware of any other fees, such as fund expense ratios, withdrawal fees, or account transfer fees.

Minimum investment requirement

Some robo advisors have a minimum investment amount, which can range from €0 to several thousand Euro. Choose one that matches your initial investment capacity. It goes without saying that the ones with no (or a very low) minimum investment are better suited to beginners.

Investment methodology

Look at how the robo advisor allocates investments across different asset classes (for example, shares, bonds, or real estate). Most use ETFs to invest in these assets, but check for any unique investment offerings like socially responsible funds or specific asset classes that you might be interested in.

Some other things to consider are the frequency of rebalancing, which refers to how often portfolios buy and sell funds to maintain the target asset allocation, and whether the robo advisor offers tax-loss harvesting or other tax-efficient investing strategies.

User experience and accessibility

The robo advisor platform should be easy to navigate and understand, especially if you’re a beginner. The top services boast the best investment apps that you can use if you prefer managing investments on the go, and look into their customer service options (like chat, phone support, and email) and service hours.

Performance history

While past performance isn’t indicative of future results, it can give you a sense of how the robo advisor’s strategies perform in different market conditions. 

A robo advisor that has seen success throughout tribulations in the Irish economy, whether that’s the 2008 financial crisis, or more recently the Irish general election and its impact on the EUR.

Additional features and services

Some robo advisors in Ireland offer tools for retirement planning, education savings, or investment goal tracking. Others provide access to human advisors for additional fees, which can be beneficial for more complex financial situations. You may want to take advantage of all, some, or none of these features, but they’re worth considering before you sign up.

Security and regulatory compliance

Ensure the robo advisor is registered with relevant financial authorities and employs strong security measures to protect your data and investments. Robo advisors in Ireland must be licenced to operate by the Irish Financial Services Regulatory Authority (IFSRA), which provides a set of rules to ensure investor protection and backs this up with deposit insurance.

Reviews and reputation

Research online reviews, ratings, and any press coverage and use these to compare Irish robo advisors. Consider using Trustpilot, and app reviews on the App Store or Play Store to help, along with our robo advisor reviews.

Trial periods or demo accounts

Some robo advisors offer a trial period or demo account, allowing you to test the service without committing your funds.

Quick answers to key questions

How much does an Ireland robo advisor cost to use?

The cost of using a robo advisor in Ireland varies by provider. Typically, they charge a percentage of your total account balance as an annual fee. This fee often ranges from 0.25% to 0.50% of your assets under management, which is generally lower than traditional financial advisors.

Alongside this, you may have to pay another small fee to cover the cost of buying and selling assets. This is usually a very small amount, about 0.05% or 0.1% of your balance.

Do I have to verify my identity with an Irish robot investor?

Yes, you usually need to verify your identity when using a robo advisor in Ireland. This is part of the Know Your Customer (KYC) regulations enforced by the IFSRA to prevent financial crimes like money laundering. Verification typically involves providing personal identification documents, such as your Irish passport or driving licence.

Are Ireland robo advisors safe to use?

Yes, Irish robo advisors are generally safe and secure. Any platform that is licenced by the IFSRA is safe, as this means that you are much less likely to lose out in the event of insolvency or nefarious activities.

In addition, top robo advisors in Ireland use encryption and other security measures to protect your personal and financial information. Set up Two Factor Authentication and use a secure password to ensure no one else has access to your money or your data.

Do I need any extra software to use a robo advisor in Ireland?

No, you won’t require any extra software. Most robo advisors in Ireland operate through web-based platforms or mobile apps, allowing you to access their services using a regular web browser or a smartphone.

Should I invest with a robo advisor in Ireland?

Investing with an Irish robo advisor could be a good choice if you prefer a hands-off investment approach, are comfortable with digital platforms, and are looking for lower fees. A robo advisor is suitable for those who may not have the time or expertise to manage their investments actively.

Robo advisors can be a convenient, lower-cost alternative to traditional financial advisors, suitable for those comfortable with a digital-first approach. However, it’s important to consider your personal financial situation, investment goals, and comfort with the level of personalisation and human interaction before choosing to invest with a robo advisor.

Benefits of using a robo advisor

Robo advisors in Ireland appeal to new investors and require little prior investing experience to get started. You don’t need a large amount of money to set one up and you can invest as much or as little as you want, at a frequency that suits you.

Here are some of the positives of using a robo investor.

• Low fees. A robo advisor generally has lower fees compared to traditional financial advisors.
• Convenience. Automated investment that operates 24/7, without much oversight from you.
• Accessibility. Ireland robo advisors often have lower minimum investment requirements than wealth management platforms that rely on fund managers.
• Simplified experience. Robo investing is ideal for beginners or those who prefer a hands-off approach.
• Data-driven. Robo investors use algorithms for unbiased investment decisions and often outperform their human equivalents.

Risks of using a robo advisor

As with any investment approach, using a robo advisor in Ireland has its risks. They are still susceptible to fluctuations in the Irish stock market, or anything that negatively impacts the Irish economy. Here are some of the risks of using a robo investor.

• Lack of personalisation. A robo advisor may not fully account for unique financial situations or complex needs, and there’s limited scope for adjusting how it invests.
• Limited human interaction. There’s less personal guidance and advice and the manner in which it invests, using funds and ETFs, means you can’t achieve really large gains that beat the market.
• Dependence on algorithms. The robo advisor is subject to limitations of the programmed algorithms and data inputs.
• Market risk. As with any investment, there is always the risk of market volatility affecting portfolio performance. The algorithms don’t protect you from a stock market crash.

How to open an account with a robo advisor in Ireland 

Create an account and add a payment method

To start using a robo advisor, you need to create an account and add a means of sending money to it. Most people simply connect their robo advisor to their bank account, and doing it this way means you can round up any purchases and deposit the extra money directly into your account regularly.

Take the onboarding quiz

Once you’ve created an account, you must fill out a short quiz. This quiz is designed to assess your investment preferences, your goals, and your risk profile. Think about your answers carefully, as these dictate how the robo advisor invests your money.

Confirm your investment portfolio

From the results of the quiz, the robot investor provides a recommended portfolio based on your investment profile. You can tweak this, or choose an alternative option, but if you’re going to use a robo advisor then it makes sense to use its recommendation.

Start investing automatically

Now, you’re all set to start investing. The final step is to decide how often you want to add money to your portfolio, which can be set to a regular automatic deposit, or a manual deposit which you manage yourself.

A regular automatic deposit is a good option to drip-feed money into your portfolio, an investment strategy that’s known as ‘dollar-cost averaging’ (DCA). With DCA, you invest at regular intervals, regardless of how the market is performing. In this way, you naturally buy more when prices are lower and less when prices are higher.

Bottom line

This page is dedicated to guiding beginners through the world of robo advisors in Ireland, showcasing the best options currently available. It serves as a comprehensive resource, comparing various robo investors based on their investment offerings, which are designed to cater to different financial goals, budgets, and risk tolerances. 

The page aims to simplify the selection process, making it approachable and informative, particularly for those new to investing.

Each featured robo advisor is carefully evaluated and presented in an easy-to-understand format, allowing users to quickly grasp the key features and benefits. The comparison includes details on investment products, fee structures, and the unique advantages of each platform. The comparisons and guidance serve to provide you with the information required to make your own investment choices.

Methodology: How we choose the best Ireland robo advisors

Helping people make better financial decisions is at the heart of our mission at Invezz. 

We periodically test more than 63 robo advisors to provide our users with clear, accessible guidance on the investing options available. All testing is carried out by our panel of stock market experts, analysts, and active traders who sign up to each advisor, conduct research, and score each service.

Our tests are designed to find robo investors that offer a beginner-friendly, secure investing experience at a fair price. To supplement our practical testing and experience, we research each robo advisor to gather any further relevant information. We read online customer reviews, app reviews on the Play Store and App Store, and conduct user surveys to get feedback from real people about what works, and what doesn’t.

Each advisor is awarded a final score based on 130+ data points across 8 ranking categories: cost, reliability, user experience, deposit & withdrawals, investing options, range of products/markets, research & analysis tools, and the availability of educational & learning resources.

We work closely with individual brands to ensure all factual information displayed here is accurate. All data is then fact-checked by an independent reviewer. You can learn more about our expert panel and how we test, rate, and review platforms in our review process.

FAQs