Best investing apps for students

Investing apps are perfect for students and you don't need to be an expert to use one. With low minimum deposits and easy to use interfaces there is a wide selection to choose from and this guide helps you pick the best one.
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Updated: Aug 2, 2022

There are lots of investment apps on the market and choosing the best one will depend on your requirements. Apps that offer flexibility and are easy to use are generally the best options. This informative guide explains what investing apps for students are, gives some tips on how to choose one, and compares the best ones around.

What are the best investing apps for students?

Our experts have tried and tested lots of apps from various services. They have taken into account a range of different criteria including deposit size, range of markets, ease of use, and safety. Below is a selection of the best investing apps for students. Click on any of the links to register in just a few minutes, or read on for more information about each one.

1
Min. Deposit
$10
Promotion
User Score
10
Trade/invest in stocks with just $10
Deposit with ACA, Wire, Pay with my bank
Invest for dividends and get payout on stocks on Ex-Dividend day
Start Trading
Pros:
Trade/invest in stocks with just $10
Deposit with ACA, Wire, Pay with my bank
Invest for dividends and get payout on stocks on Ex-Dividend day
Payment Methods
Bank Transfer, Wire Transfer
Full regulations list:
CySEC, FCA
Investoo Ltd is compensated if you access certain of the products or services offered by eToro USA LLC and/or eToro USA Securities Inc., as applicable. This compensation incentivizes Investoo Ltd to describe those products and services in favorable terms. Any testimonials contained in this communication may not be representative of the experience of other eToro customers and such testimonials are not guarantees of future performance or success.
2
Min. Deposit
$0
Promotion
User Score
9.3
$0 commission and $0 Options contract fees
Upgraded research with advanced charts
Smart Menus for faster trades
Start Trading
Pros:
$0 commission and $0 Options contract fees
Upgraded research with advanced charts
Smart Menus for faster trades
Payment Methods
Full regulations list:
3
Min. Deposit
$500
Promotion
User Score
8.7
We offer one of the best execution speeds in the industry with low latency
Award-winning support in 14 languages
Trade with precision from 0.5 pips on EURUSD
Start Trading
Pros:
We offer one of the best execution speeds in the industry with low latency
Award-winning support in 14 languages
Trade with precision from 0.5 pips on EURUSD
Payment Methods
Bank Transfer, Bank Wire, Credit Card, Debit Card, PayPal, Sofort, neteller, skrill
Full regulations list:
CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 68% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

Top investing apps for students

When choosing an investing app you will want to consider a range of features. Apps that offer a variety of assets, educational tools, and low minimum deposits are the top options. Here is some more information about the best investing apps for students 

1. eToro – Best overall

eToro has a host of features and tools that makes it the best choice for students. You can start your investment journey with a low initial deposit of just £10. The app gives you easy access to over 3000 financial instruments covering a range of markets. eToros best feature is its social trading tools. You can copy the trades of professionals giving you the opportunity to earn while you learn.

Sign up with eToro >

68% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you can afford to take the high risk of losing your money 

2. Skilling – Best for experienced student investors

Skilling is another top rated investing app and is a good option for students with a little more experience. You can use Skilling on any of its three desktop platforms, or via its mobile app which incorporates the best features from its web based offerings. It lets you invest in CFDs for lots of markets like stocks and forex, or you can use its copy trading tools to invest in over 1000 ready made portfolios. 

Sign up with Skilling >

3. Nutmeg – Best Robo-Advisor

The Nutmeg app is a Robo-Advisor and is the easiest way for students to invest. All you have to do is deposit money into your account, fill in a questionnaire to determine your investing goals, and the app does the rest for you. If you’re short on time, or want a hand off approach, then Nutmeg is a good option. 

4. Capital.com – Best for iPhones

Capital.com has a highly rated mobile investing app and according to lots of online reviews, it works particularly well on an iPhone. You can invest in and trade thousands of financial assets from stocks, forex, commodities, and even cryptocurrency. The app can be used for long term investing as well as short term trading as it has lots of analytical tools. 

Sign up with Capital.com >

5. Plus500 – Best for Android

Students with an Android device can use the Plus500 investing app. Like most of the other apps we’ve listed here, you can invest in a wide range of assets on the app – Stocks, forex, ETFs, commodities, and a limited number of crypto coins. One of the key benefits of Plus500 is its strong regulation in multiple countries, giving you an extra safety net while investing your money. 

Sign up with Plus500 >

What is an investing app for students?

It is a mobile application that lets users manage their investment portfolios and buy or sell assets from a smartphone or tablet. Students can use any of the investing apps that are available, although some are better suited than others. There are two types of apps available, the first is known as a DIY app and the second a Robo-Advisor. 

As their name implies, DIY apps leave all the decisions to the users. When using an investing app of this nature you’ll have full control over what you invest in, how much you invest, and for how long. Robo-Advisors, on the other hand, offer a more hands-off approach. When using one the app will make all of the decisions for you and you can take a back seat. 

How should I choose an investing app for students? 

Students have a slightly different set of requirements when it comes to selecting an investing app compared to more experienced investors. Students have time on their side although generally have less money to invest. So an app that accepts low deposits and offers the ability to grow as your portfolio does is recommended. 

Here are six features to consider when choosing an investing app for students:

  • Deposit size. Students generally have less money to invest than experienced investors so an app that accepts low deposits is useful. Some apps are tailored to high-net-worth individuals and it’s best to stay away from these until your budget allows. The apps we’ve listed here all have low minimum deposits. 
  • Fees. Lots of investing apps these days offer fee or commission-free trading so keeping costs down is easier than it’s ever been. Students, in particular, should look to use an app that doesn’t charge a fee to trade.
  • Stocks. When you’re just starting out its best to stick to a few assets until your portfolio and knowledge grows. An app that offers stocks and shares is a good place to start. If you’re one of the many students who are interested in the cryptocurrency market make sure you find an app that offers some coins. 
  • Robo-advisors. Using a robo-advisor is the easiest way for students to start their investing journeys. Robo-advisors are easy to use, less time consuming, and offer a hands free approach to growing your money. Its a good idea to use a robo-advisor app while you learn more about the markets before moving to a self managed app.
  • Fractional shares. Fractional shares offer a way to invest in some of the biggest companies in the world, without the cost of buying a full share. There are some stocks that cost thousands just for a single share, which is out of reach for many students. Fractional shares let you invest in these stocks at a fraction of the cost. Not all apps offer fractional shares, so make sure you check before using one.
  • Safety and security. You may wonder if investment apps are safe and it’s a good idea to do some research before downloading one for reassurance. Most apps are safe and offer lots of security features such as two factor authentication and facial or fingerprint technology. 

Methodology: How did we choose the best investing apps for students?

Each app listed in this guide has been tested and ranked based on our expertise. Testing included downloading an app, registering an account, depositing funds, placing a trade, and withdrawing money. Every service above also has a full in-depth review on our website. 

In addition to testing we used our own research and online reviews to compare each app. Comparisons included deposit amounts, transaction fees, and in app features. None of these rankings are influenced by any of the services listed. We may earn a commission if you click a link and register an account. You can view our full review process to learn more.


Our editors fact-check all content to ensure compliance with our strict editorial policy. The information in this article is supported by the following reliable sources.

Invezz is a place where people can find reliable, unbiased information about finance, trading, and investing – but we do not offer financial advice and users should always carry out their own research. The assets covered on this website, including stocks, cryptocurrencies, and commodities can be highly volatile and new investors often lose money. Success in the financial markets is not guaranteed, and users should never invest more than they can afford to lose. You should consider your own personal circumstances and take the time to explore all your options before making any investment. Read our risk disclaimer >

Prash Raval
Financial Writer
When not researching stocks or trading, Prash can be found either on the golf course, walking his dog or teaching his son how to kick a… read more.