Compare the top 9 best investing apps in 2025

Forget desktop platforms, spreadsheets, and financial advisors. The investing world has gone mobile and today’s landscape is all about accessibility, empowerment, and speed. Investing apps are changing the way we manage our portfolios. But with an almost endless app store to choose from, how do you find the perfect app?

This is where we come in. Our team of financial experts are regular users of investing apps. We’ve evaluated a wide range of investing apps and put them through their paces to find the very best. 

We’ve looked at lots of criteria including fees, investment options, educational features, security, and more. Not only have we tested these apps, but we’ve also taken into account real customer reviews to help you find the best investment app in 2025. 

Best investment apps overall for 2025

What is the best investment app?

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

Acorns

Min. Deposit n/a

Fees -

No. assets n/a

Demo account No

Visit site

Acorns review

4.5

Plus500

Min. Deposit $100

Fees From 2%

No. assets 2800+

Demo account Yes

Visit site

Plus500 review

CFD service. 82% 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.

This information is NOT relevant to EU residents who are to be serviced by EU subsidiaries of the Plus500 Group, such as Plus500CY Ltd, authorised by CySEC (Reg. 250/14). Different regulatory requirements apply in Europe such as leverage limitations and bonus restrictions.

Top 9 investment apps, reviewed

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

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

2. Acorns: Best for simple investing with a small starting pot

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4

Ratings

$-

Min. deposit

...

Fees

-

No. assets

No

Demo account

Overview

We love Acorns because it makes investing accessible to everyone. Acorns rounds up your purchases to the nearest dollar and invests the difference into a diversified portfolio of ETFs. This innovative approach helps you grow your investments incrementally without needing to make large initial deposits, making it an ideal platform for new investors or those with limited funds.

In addition to its core micro investing services, Acorns provides a suite of educational resources through Acorns Grow, which includes articles, tutorials, and financial literacy content designed to help you improve your understanding of personal finance and investing.

The platform’s emphasis on simplicity, automation, and education makes it particularly attractive to beginners looking to start their investment journey with minimal effort. With its user-friendly app, low fees, and innovative round-up feature, Acorns stands out as a convenient and effective robo advisor & investing tool for building your wealth over time.

The fees: Acorns charges a monthly subscription fee that varies depending on the account you sign up to. The most basic package starts at $3, while the other options are either $5 or $9 per month. There are no additional trading or management fees.

Highlights

No. of tradable assets
Min. Deposit
ID verification required	No
Free demo account	No
Supported assets
Mobile trading app	No
Web trading platform	No
Regulatory bodies

Pros & Cons

Low deposit amount - start investing with as little as $5 Offers investment, checking, and regular IRA retirement accounts Automated savings feature Lots of educational content available on the website

Limited investment options - automated Exchange Traded Fund (ETF) portfolios mean no option to pick and trade stocks High fees for small balances No tax benefits when using the platform to invest your money

Read review Visit Acorns

3. Plus500. Best for international trading*

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4.5

Ratings

£100

Min. deposit

From 0.8%

Fees

2,800

No. assets

Yes

Demo account

Overview

We love Plus500 because it is one of the industry’s most transparent and reliable brokers. Its fees are clear and you’ll know exactly what you will be paying before you trade. Its technology driven platform gives access to futures for the two biggest cryptos, Bitcoin and Ethereum. 

Plus500 has something for all types of crypto trader, no matter what level of experience. Its low margin requirements of $20 for Ether and $100 for Bitcoin make it a top choice for day traders. At the same time, its trading academy is packed with educational content, perfect for beginners just starting. 

For accurate instrument availability, visit plus500.com.

The fees: Plus500 charges a commission of $0.49 per Micro contract and $0.89 per Standard contract (per side). There is an Auto-Liquidation fee of $10 per contract. Other exchange fees may be applicable and can be found on the CME group website. 

*Based on a comparison of 60+ leading brokers and trading platforms.

Highlights

No. of tradable assets	2800+
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	FSA, ASIC, FMA, FCA, CySEC

Fees & Costs

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

Pros & Cons

Free demo account for every user Secure broker, licensed by top-tier regulators Wide variety of CFDs to trade Several good risk management tools

No support on trading information and education Website isn’t brilliantly designed to help users find answers to their questions No MetaTrader trading platform compatibility

Read review Visit Plus500

CFD service. 82% 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.

This information is NOT relevant to EU residents who are to be serviced by EU subsidiaries of the Plus500 Group, such as Plus500CY Ltd, authorised by CySEC (Reg. 250/14). Different regulatory requirements apply in Europe such as leverage limitations and bonus restrictions.

4. Public. Best for AI analysis

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4

Ratings

$20

Min. deposit

Spreads

Fees

9,000

No. assets

No

Demo account

Overview

We love Public because it makes use of cutting-edge AI technology to enhance your trading and investing experience. Public’s AI-powered feature, Public Alpha offers personalized insights and recommendations through its natural language interface in real time. 

Public’s AI technology helps you make more informed decisions by analyzing massive amounts of data and providing actionable insights. These AI-driven insights are easily accessible and give users access to the latest advancements in financial analysis and trading. 

Not only do can you use AI to help your investments, Public is one of the lowest cost brokerage firms out there. You can invest in stocks and ETFs commission free. You can also buy and trade fractional shares and if you want to diversify, you can explore a range of alternative investments including music and film royalties. 

The fees: There are no fees for investing in stocks during regular trading hours in the US – 9.30am-4pm EST. There is a $2.99 fee for trades outside of regular hours. 

Highlights

No. of tradable assets	9,000 +
Min. Deposit	$20
ID verification required	Yes
Free demo account	No
Supported assets	Stocks, ETFs, Crypto, , ,
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	SEC, FINRA, SIPC

Fees & Costs

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

Pros & Cons

Commission free stock and ETF investing Share and compare your portfolio on a social trading platform Trade crypto, fractional shares, and alternative investments

You can't trade on margin or use leverage No forex, options, funds, metals, or bonds

Read review Visit

Cryptocurrency execution and custody services are provided by Apex Crypto LLC (NMLS ID 1828849) through a software licensing agreement between Apex Crypto LLC and Public Crypto LLC. Crypto trading on Public platforms is served by Public Crypto LLC and offered through APEX Crypto. Please ensure that you fully understand the risks involved before trading.

What is an investment app?

An investing app is a software application designed to run on mobile devices, such as smartphones and tablets, allowing individuals to manage their investment portfolios, trade stocks, bonds, mutual funds, ETFs (Exchange-Traded Funds), and other financial instruments directly from their devices.

These apps aim to make investing more accessible, convenient, and efficient for users, offering a range of features that can include trading, social trading, and portfolio management.

How do investment apps work?

Investment apps connect you to the financial markets via your smartphone or tablet and there are two main types: active and passive. Active apps give you complete control over how you invest your money. Passive investment apps automatically invest your money. 

The different types of investment apps

Investment apps come in all shapes and sizes, although they generally fall into two categories; DIY or Robo-advisor. DIY investment apps give full control over your investing account to the user. Robo-advisors take a different approach and use technology to invest automatically on your behalf. Here is a brief description of the most common apps and what they offer.

• DIY investing apps. These types of apps, also known as active investing apps give you full control over your investment portfolio. They’re generally offered by the best online investment platforms, which let you invest how and when you want. DIY investment apps are the easiest way to manage your portfolio while using your expertise to make wealth management decisions. 
• Robo advisors. Robo-advisors, or passive investing apps use software and AI to make investments automatically for you based on your answers to a series of questions. Automated investing works by providing a questionnaire that determines your goals and risk tolerance, and then investing money automatically based on your answers.
• Micro investing apps. Micro investing apps allow you to save and invest your pennies. Micro investing apps are similar to robo-advisors in that everything can be automated based on a set of pre-determined investment goals. They work by investing small amounts of money (usually the remainder after rounding up your everyday purchases to the nearest dollar) into low cost stocks and ETFs.
• Portfolio managers. These are apps that track your overall investment performance and let you manage your investment portfolio. You connect the app to your other investment accounts and it shows your profit and loss record all in one place. If you use multiple investment apps, then controlling it all through a portfolio manager is a good idea.

Here’s a look at the best investment apps and the types of services they offer.

How should I choose an investment app?

Every user will have a slightly different list of priorities when it comes to choosing an investing app, although low fees and reliability are usually high on the list. Below we’ve highlighted some of the key features to consider when choosing the best investing app. 

• Fees. When it comes to investing, fees are unavoidable and something that needs to be taken into account. Some online brokerages charge commissions on every transaction, while others charge an annual management fee – it usually depends on whether you’ve chosen a DIY app or an automated investing platform. You may also pay the spread (the difference between the buy and sell price). Finding an investing app with low fees can help reduce your investment costs. 
• Reliability. These days the majority of mobile applications offer a seamless experience, although some are better than others. If you’re planning to use an app to make investments then you’ll want to make sure it’s reliable. When downloading an investing app you can check out reviews on things like the Apple appstore or Google Play store. 
• Assets. The best investing apps give users access to a wide range of financial instruments. Some apps are geared towards picking individual stocks, while others offer a wide selection of ETFs and mutual funds. Things like cryptocurrency investing have risen in popularity in recent times and lots of apps now let you buy and sell coins as well.
• Security and regulation. Investment apps are regulated by local financial regulators, such as the Securities & Exchange Commission (SEC) in the US. Make sure the app you choose is regulated, as this protects you in case the app loses your money for any reason. In addition, when choosing an app, finding one which offers Two-Factor Authentication (2FA) is a good way to boost your security. The best apps also have fingerprint and facial recognition unlocking features as well.
• Web and desktop platforms. Sometimes your mobile app may go down, or you could lose your device. If this ever happens you’ll need to make sure you have a way to access your account. A good web or desktop platform will make this easier, so finding an investment broker with good online services is helpful. 
• Operating system. The best investment apps for iOS and Android phones might be different. Check you can download the app through the App or Play Store before you sign up, and make sure all the features are available on the system you want to use.

What are the fees for investment apps?

Some apps charge a commission on each transaction you make, so you may pay a fee each time you buy or sell. Others charge an annual management fee, usually as a percentage of the total amount of money you have invested.

Here’s a quick comparison of the best investing apps and the fees they charge for investing in different assets.

How should I start investing?

The right approach depends on your level of experience. Beginners should look for more hands-off investment opportunities, like trusts and funds or apps that take care of the process for you. Experienced investors might want more control.

Here is a summary of what you might want to invest in according to your experience level.

What to invest in for beginners

Beginners should look to use the services of a robo advisor. Robo advisors are apps that make investments for you. When you sign up, you tell the platform how long you want to invest and how much risk you’re willing to take on. The app then uses that information to automate which stocks to buy and sell on your behalf.

A good example of this type of app is Nutmeg. Another option is to use a micro-investing app like Moneybox. It connects to your bank account, rounds up your spending each time you buy something, and then uses the extra to invest. So if you buy a cup of coffee for $2.50, it will round it up to $3 and use the extra $0.50 to invest.

If you want to choose your investments instead, then mutual funds and ETFs are often the easiest way to invest for novices, as you’ll gain exposure to lots of different stocks in one go. Use these funds to invest in major stock market indices, like the S&P 500, as these track stock market leaders from around the world, and tend to be the most stable long term investments.

Here’s a quick recap of the best way to invest as a beginner:

• Use a robo advisor or micro investing app
• Invest in large ETFs or mutual funds that track stock indices, such as the S&P 500
• Use dollar-cost averaging to build wealth over time

How to start investing as a college student

Students should look for low-cost investments and think about the long term, rather than trying to generate quick, short term returns. Here are some ways to put your student money to good use:

• Use a spare change app. Apps like Moneybox allow you to invest your spare change, by rounding up the value of each of your purchases. If you buy a coffee in the student canteen for $1.50, you can round that up to $2 and put the spare $0.50 into your investment portfolio. Over time, this can build up into a decent-sized investment, without requiring much thought or too many sacrifices on your part.
• Invest in fractional shares. Fractional shares offer a way to invest in some of the biggest companies across global financial markets, without the cost of buying a full share. Some stocks 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, so you can own 1/10th of a share in Amazon, for example, rather than needing to find hundreds of pounds to invest.
• Find stocks that pay dividends. Dividends are a great way to boost your total capital. Dividend-paying companies pay out a cash sum to shareholders a few times a year. It might only be a few cents per share, but over time that can build up and you can reinvest the money, creating a virtuous circle. Use an economic calendar to find out when each company pays out dividends.
• Keep things simple. As a student who’s new to investing, it’s best to stick to simple investments, like blue-chip stocks and ETFs, rather than trying to invest in anything you find confusing. You can find ETFs (exchange traded funds) that track an entire index, like the S&P 500, that track major global indices with very little effort.

What to invest in for intermediate investors

If you have invested previously and have some experience, you can take a more hands-on approach to your investments. That means picking out individual stocks to invest in and perhaps signing up to more than one investment app to gain access to lots of different investments and to shop around for the best price.

This form of investing requires more time and knowledge, but it gives you greater freedom over where your money is invested. Funds and ETFs are still good options, and you can think about finding ones that represent specific sectors; you might want to invest in a tech ETF to get broad exposure to the technology industry, for example.

Another option is to pick specific companies to invest in. The safest way is to choose established companies with a long track record of success. These tend to be the most stable and most likely to steadily increase in value over time, which is the key to long term wealth management. Look for companies that pay dividends as well, as they are a good way to add a bit extra to your investment.

Here’s a quick recap of what intermediate investors should invest in:

• Use funds and ETFs to diversify
• Buy stocks in large, stable companies
• Look for stocks that pay dividends
• Consider using a few different apps to get the best price

What to invest in for experienced investors

More advanced investors can take more risks and create a balanced portfolio independently rather than relying on ready-made ones like ETFs. Consider investing in various assets and taking a few more chances on smaller companies with potential rather than just investing in the finished article.

A mobile investing account makes it extremely easy for experienced investors to decide where to put their money. Consider using more than one investment app to maximise your investing options, as this is usually the best way to spread your risk, whether that’s by investing in stocks from other countries or different assets like cryptocurrencies.

If you’ve been investing for a long time and are well-versed in the markets, you may want to consider investing in riskier assets. Growth stocks, penny stocks, and crypto coins can increase in value many times over but are proportionally more risky as a result. As long as you don’t rely on these entirely, they offer huge potential to grow your wealth.

Here’s a quick recap of what to do as an experienced investor:

• Take control of your own investments
• Invest in different assets, such as stocks, cryptocurrencies, and commodities
• Balance risk and reward by investing in things with lots of potential, like growth stocks
• Invest in assets in other countries to take advantage of emerging markets

Should I use an investment app?

Yes, it’s a good idea to use an investing app. Apps make it easy to manage your investment portfolio when not at your desktop. Most people use a smartphone or tablet these days and downloading an investing app can save a lot of time when buying and selling financial instruments. Apps also give constant access to your investments and the ability to quickly make changes. 

Are investment apps safe?

Yes, most investment apps are safe, although it is important to remember that you can still lose money while investing. Apps from brokers or service providers regulated by the proper governing bodies (like the SEC) are considered the safest.

While regulators can’t prevent you from losing money from your investments, they do provide compensation schemes which offer a safety net if an app goes out of business. In the US, that insurance scheme is the Securities Investor Protection Corporation (SIPC). Use the SIPC database to check if your app is protected as part of the scheme.

We highly recommend you use a regulated investing account and don’t deposit money to the platform until you have confirmed that it is both regulated and offers investor protection. Apps don’t have to be regulated in the US, and the more places a service is regulated around the world, the better. Here is a comparison of the top investing apps and where they are regulated.

What are the risks of using an investment app?

With any investment, there is the risk of losing money. That’s why the golden rule is to never invest more than you can afford to lose; you can never predict exactly how a stock will perform and there are lots of factors outside of your control. If you don’t feel confident, then consult a personal financial advisor before investing any money.

Apps can be particularly dangerous because they’re so easy to use. When you can invest in a company instantly, wherever you are, it encourages you to make quick decisions without taking the time to research first.

It pays to set some strict guidelines that any stock must hit before you invest in it, so that you make decisions with a clear head rather than emotionally. Use the list of quick benefits and risks below to help you decide if an investment app is for you.

Best investment apps: user reviews

One of the easiest ways you can learn whether an investment app is worth downloading or not is by reading customer reviews. Sites like Trust Pilot often have thousands of reviews from existing customers which can help you decide whether an app has been useful to other investors.

Use the table below to find the latest review scores and rankings from some of the best known rating sites and app stores.

Methodology: How we choose the best investment apps

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

We periodically test more than 69 apps to provide our users with clear, accessible guidance on the investing options available. All testing is carried out by our panel of industry experts, analysts, and active traders who sign up to each app, conduct research, and score each investment service.

Our tests are designed to find apps that offer a beginner-friendly, secure investing experience at a fair price. To supplement our practical testing and experience, we research each mobile app 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 app 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 apps 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.

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