Compare the top 4 best investing apps New Zealand in 2025

Retail investing apps have soared in popularity over the last couple of years. More investments are made on mobile phones than ever before and the process is easier than ever as well.

Our team of finance & trading experts have trialled the best investment apps, rating, ranking and comparing the results in order to guide you towards finding your perfect investment app.

Best investment apps overall for 2025

What is the best investment app?

Our experts’ picks for the best investing apps available today are listed in the table below. Use the links to sign up straight away, or keep reading for more recommendations that are tailored to different investing styles.

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.

4.5

Eightcap

Min. Deposit $100

Fees Up to $3.5 RT

No. assets 800+

Demo account Yes

Visit site

Eightcap review

74-89% of retail CFD accounts lose money

4.3

AvaTrade

Min. Deposit $100

Fees From 0.13%

No. assets 1250+

Demo account Yes

Visit site

AvaTrade review

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% 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 7 New Zealand investment apps, reviewed

1. IG Markets: Best for trusted and transparent trading

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4

Ratings

$-

Min. deposit

From 0.5%

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.

2. 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 900 markets available including stocks, forex, indices, commodities, and cryptocurrencies. 

The fees: Eightcap is a CFD broker and charges spreads, 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

3. AvaTrade. Best regulated broker for secure trading

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4

Ratings

$100

Min. deposit

From 0.13%

Fees

1,300

No. assets

Yes

Demo account

Overview

We love AvaTrade because it is a reliable CFD broker, that gives users access to a wide range of markets. As a CFD broker, AvaTrade lets you speculate on the price movements of various financial instruments without owning the underlying assets. AvaTrade is a multi-asset brokerage firm and includes CFDs for forex, commodities, stocks, indices, cryptocurrencies, and bonds.

AvaTrade is also highly regarded for its strong regulatory framework and commitment to security. AvaTrade is regulated in multiple jurisdictions, including Europe, Australia, Japan, South Africa, and the British Virgin Islands, which means it must adhere to stringent regulatory standards across the world. 

AvaTrade isn’t just well-regulated, it also employs advanced security measures to protect client funds and personal information, including segregated accounts and robust encryption technology. 

The fees: There is no commission on any trading. AvaTrade makes money from the Bid/Ask spread instead. Stock spreads start from 0.13 and forex spreads start at 0.7 pips. Positions left overnight are charged a swap fee that varies depending on size. An inactivity fee of £/€/$50 per month is applicable if you don’t log in to your account for three consecutive months.

Highlights

No. of tradable assets	1250+
Min. Deposit	$100
ID verification required	Yes
Free demo account	Yes
Supported assets	Stocks, Stock CFDs, ETF CFDs, Forex CFDs, Crypto CFDs, Commodity CFDs, Index CFDs
Mobile trading app	Yes
Web trading platform	Yes
Regulatory bodies	FSCA, FSA, ASIC, CBI, MiFID, CySEC, BVIFSC, FRSA

Fees & Costs

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

Pros & Cons

Trade 1000+ CFDs with competitive spreads Regulated by Tier 1 financial bodies across the world Consistently highly rated trading platform on web and mobile Offers social trading through its proprietary AvaSocial platform

Spreads are competitive without being industry-leading Some assets are only available to trade through the MetaTrader software

Read review Visit AvaTrade

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71% 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.

4. Pacific Union. Best for social trading & customer support

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4

Ratings

$-

Min. deposit

...

Fees

-

No. assets

No

Demo account

Overview

We love Pacific Union because its beginner friendly platform comes loaded with lots of educational content, including how-to guides and video learning. Pacific Union offers over 200 assets across global markets and includes forex, stocks, indices, commodities, and cryptocurrencies.

It’s an award-winning broker with a proprietary social trading application that makes it easy for beginners to follow the strategies and positions of the platform’s top traders. Pacific Union uses the popular Metatrader 4 software alongside its mobile and web based apps. Traders can choose the amount of leverage they want to use, all the way up to 500:1.

The fees: There are fees with Pacific Union, but it depends on your account type. Its standard account is commission free, but Bid/Ask spreads start at 1.3 pips. Pro accounts are charged a $3.5 RT per lot commission and have spreads starting from 0 pips. Swap charges for holding a trade overnight vary depending on size.  

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

70+ forex pairs and 200+ financial assets available to trade Extremely low minimum trade sizes Multilingual support in 18+ languages

Minimum withdrawal of $100 Fewer assets than many competitors

Read review Visit

Contracts for Difference (CFDs) trading carries a high level of risk to your capital and can result in losses, you should only trade with money you can afford to lose. CFDs trading may not be suitable for all investors, please ensure that you fully understand the risks involved and take appropriate measures to manage it.

What is an investment app?

It is an application that allows you to manage your investment portfolio on a mobile device. These apps are offered by almost every share trading platform in New Zealand. When using an investing app, you will usually be able to carry out the same functions as a web or desktop based platform. 

The different types of investment apps in New Zealand

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 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 give you full control over your portfolio. They’re generally offered by online investment platforms in New Zealand and let you invest how and when you want. DIY investment apps are the easiest way to manage your investment account while using your expertise to make decisions. 
• Robo advisors. The best robo-advisors in New Zealand use software and AI to make investments automatically for you based on your answers to a series of questions. After depositing money, you’ll need to complete a questionnaire to determine your goals, and then the app creates investment portfolios that work for you.
• Micro investing apps. Micro investing apps allow you to save and invest your pennies. Micro investing apps are similar to robo-advisors and everything can be automated. They work by investing small amounts of money (usually rounding up your everyday spending) into low cost stocks and ETFs.
• Portfolio managers. These are apps that track your overall investment performance. You connect the app to your other investment accounts and it shows your profit and loss record across all your desktop and mobile trading apps in one place. If you use multiple investment apps, then controlling it all through a portfolio manager is a good idea.

How should I choose an investment app New Zealand?

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

Fees. 

When it comes to investing, fees are unavoidable and something that needs to be taken into account. Some brokers charge commissions on every transaction. Finding an investing app with low fees can help reduce your investment costs. 

Here are the types of fees you may encounter when using a Kiwi investing app:

In addition to the fees above, you’ll also have to pay spreads, which is the difference between the buy and sell price of an asset. Here’s a look at the average spreads on the top three investing apps in NZ:

Reliability and reviews. 

These days 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 App Store or Google Play store. 

Assets. 

The best investing apps give users access to a wide range of financial instruments. Some apps are geared towards only one of two assets, while others cover as many as they can. While almost every app will allow you to trade Kiwi shares, 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. 

Trading apps in New Zealand all have different levels of security, although the best ones offer extra features to make sure your funds are secure. When choosing an app, finding one which offers 2 factor authentication is a good way to boost your security. The best apps also have fingerprint and facial recognition unlocking features. 

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.

Should I use an investment app from New Zealand?

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 make changes very quickly. 

Are investment apps safe?

Yes, they generally are, although it is important to remember that you can still lose money while investing. Apps from a regulated share trading platform that is licensed by the New Zealand Financial Markets Authority (FMA) are considered the safest. Users are better protected through compensation schemes which provide a safety net if an app goes out of business. 

Most investment apps belong to well known brokerage firms or robo-advisor services that have been in operation for many years. The financial industry is heavily regulated and shady business practices are difficult to pass these days. Investment apps are, for the most part, safe.

What are the risks of using an investing app in New Zealand?

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.

Online trading apps or their mobile equivalent can be risky because they’re so easy to use. When you can invest in Kiwi stocks 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.

What are the fees for Kiwi investment apps?

It is usually free to download an investment app. The cost for using one depends on what type of app it is. Stock trading apps in New Zealand either charge a fixed commission per trade, or through the spread (the difference between the buy and sell price of an asset).

Other types of New Zealand investing apps, particularly robo advisors or micro investing apps that invest in exchange traded funds (ETFs), may charge a monthly subscription fee or an annual management fee as a percentage of the amount of money you invest.

Methodology: How did we choose the best investing apps in New Zealand?

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

We periodically test more than 69 stock trading 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 New Zealand investing 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 New Zealand 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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