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Top 5 Best Micro Investing Apps & Trading Platforms in 2025
In this guide
- 1. Top 5 Best Micro Investing Apps & Trading Platforms in 2025
- 2. Best micro investing apps overall for 2025
- 3. What are the best micro investing apps?
- 4. What is a micro investing app?
- 5. How do micro investing apps work?
- 6. How should I choose a micro investing app?
- 7. Should I use a micro investing app?
- 8. Methodology: How did we choose the best micro investing apps?
- 9. FAQs
Micro investing apps are a great option if you want to start investing but don’t have much money to put into the market upfront.
This page reviews some of the best micro investing apps and trading platforms to help you find the right one.
Best micro investing apps overall for 2025
Copy link to sectionWhat are the best micro investing apps?
Copy link to sectioneToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
Plus500
This information is NOT relevant to EU residents who are to be serviced by EU subsidiaries of the Plus500 Group, such as Plus500CY Ltd, authorized by CySEC (Reg. 250/14). Different regulatory requirements apply in Europe, such as leverage limitations and bonus restrictions.
We found 10 online brokers for users based in
1. Acorns: Best for simple investing with a small starting pot
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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
2. eToro. Best for beginners, copy-trading & demo-account
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Overview
We love eToro because it’s an easy place to trade the currency markets. Forex can be intimidating, but eToro strips back the complexity to give you a platform where you can trade 50+ currencies at competitive prices and with up to 30x leverage*.
*CFDs trading is restricted for US users.
As well as being a broker that offers lots of investor protection, eToro offers a very social trading experience. You can easily see how all the major and minor forex pairs are performing every day, track how investors feel about every one of those currencies, and copy other people’s trade suggestions from your desktop or the eToro app.
The fees: eToro charges a fee on currency trades through the spread. Spreads are variable depending on the currency and start from 1 pip for EUR/USD trades, 1.5 pips for EUR/GBP, and 2 pips for GBP/USD. Overnight and weekend fees apply.
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
51% 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.
3. Plus500. Best for international trading*
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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
This information is NOT relevant to EU residents who are to be serviced by EU subsidiaries of the Plus500 Group, such as Plus500CY Ltd, authorized 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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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 crypto analysis and trading.
Not only do can you use AI to help your crypto investments, Public is one of the lowest cost brokerage firms out there. You can invest in a selection of cryptocurrencies without breaking the bank or having to invest large sums. Public charges 1.25% of your order amount, which is considerably cheaper when compared to similar platforms.
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. Alternative investments, including cryptocurrency, are charged a 1.25% fee per transaction.
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
What is a micro investing app?
Copy link to sectionIt’s a mobile application or desktop platform that allows users to make small investments regularly, often with as little as a few pounds at a time.
These apps or platforms often use a concept known as ‘dollar-cost averaging’, which involves investing a fixed amount of money at regular intervals into exchange traded funds (ETFs) or fractional shares.
How do micro investing apps work?
Copy link to sectionMicro investing apps link to your bank account and automatically invest your money into ETFs and the stock market. They operate similarly to robo advisors, where AI determines where your money is invested based on your specific goals and criteria.
Some micro investing apps also offer the ability to round up everyday purchases made with a linked bank card. These apps connect to your bank account and automatically invest your spare change into a diverse portfolio of ETFs or stocks.
How should I choose a micro investing app?
Copy link to sectionThere are several factors you may want to consider when choosing a micro investing app and you should take the time to look at various different platforms before making your decision. Here’s a list of things to consider when selecting a micro investing app.
Fees
Copy link to sectionYou may be charged a fee when you invest your money using a micro investing app. Most apps have fees in some way or another, so make sure you know what it will cost before signing up. Some of the fees to consider are account maintenance fees or trading fees.
Investment options
Copy link to sectionUse a micro investing app that offers the type of investments you prefer to put your money in. Most micro investing apps focus on ETFs and fractional shares, but if you want to invest in other asset classes, then make sure you check what is available before joining.
Ease of use
Copy link to sectionYou’ll want to use an app that is easy to navigate and set up, especially if you’re new to investing. Most micro investing apps are easy to download and connect to your bank account, but if you’re interested in other features, make sure the app is not too complicated.
Reputation
Copy link to sectionTake the time to read online reviews from other users before committing to micro investing apps. There are many review sites where you can find other people’s experiences with a specific app or platform. Stay away from the ones with lots of negative reviews.
Minimum deposits
Copy link to sectionMost micro investing apps let you start with just a few pounds or pennies, although some require a minimum initial deposit. This can vary depending on the company and if you’re starting with a small amount of money, make sure you find the minimum initial investment.
Customer support
Copy link to sectionYou want to use a platform that has good customer support. Before registering with a micro investing app, you can contact customer support to find out how responsive and helpful they are. If you ever have any questions or issues in the future, you’ll know what kind of support you’ll receive.
Should I use a micro investing app?
Copy link to sectionIf you’re new to investing but don’t have much money to invest upfront, then using a micro investing app can be a good option.
You can get started very quickly and easily without requiring a large investment. As these apps link to your bank account, you can even start investing your spare change, making it a very passive style of investing.
However, it’s important to remember that micro investing apps generally don’t offer a wide selection of investment options and are not really suitable for more advanced investors. You also need to consider the various fees that micro investing apps charge, which can eat into your profits.
What are the risks of using a micro investing app?
Copy link to sectionLike all types of investments, micro investing apps come with some risks, most notably market risk. The value of your investments may fluctuate in line with changes in the wider market.
Additionally, micro investing apps don’t offer many of the features available on larger investing platforms and it can be difficult to diversify your portfolio with little money.
Here are a few benefits and risks of using a micro investing app to help you make up your mind.
Pros
Copy link to section- Get started with very little money
- Micro investing apps automatically invest for you
- Round up your everyday spending and invest your spare change
- Easy-to-use platforms mean it’s easy to get started
Cons
Copy link to sectionWhat are the fees for using a micro investing app?
Copy link to sectionEach micro investing app will generally have a slightly different fee structure depending on which one you choose.
Some common fees that micro investing apps may charge include account maintenance fees, trading fees, withdrawal fees, and commissions. Before starting a micro investing app it’s important to read the platform’s fee schedule.
Methodology: How did we choose the best micro investing apps?
Copy link to sectionOur expert panel consists of investment experts with decades of experience behind them. They conducted extensive research and testing of all of the services involved. Testing means we have signed up, created an account, deposited and withdrawn money, and placed at least one trade.
In addition to the testing process, we have researched all of the platforms online. Together, those criteria combined to produce a series of ranking factors which have been used to produce a final list of micro investing apps.
None of the services listed on this page has influenced the order in any way. We may make an affiliate commission if you sign up and trade on an app using one of the links above. Learn more about how we make money by reading our reviews process.
