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Best Investment Apps UK

Investment platforms have taken investing truly mobile with the introduction of investment apps.

Using a mobile app with your chosen investment platforms will allow you to track the performance of your portfolio, as well as buy and sell shares and stocks from anywhere in the world, at any time of day or night.

If you’re wondering how to trade stocks using trading apps, read on to find which one of the best investing apps I’ve reviewed will best suit your needs.

Also consider: Best forex trading apps

10 Best investment apps UK

Find my list of the best investment apps from the best known investment platforms, for UK investors to choose from. I’ve included investment app offers and promotions to suit your needs.

Fineco Bank logo

Fineco Bank

  • £500 in trading commissions – Invest in stocks with zero commissions up to a commission amount of £500
  • Platform fee: £0
  • Lowest cost per trade: £2.95

Platform Type
Investment Platform

Instruments
Forex, CFDs, indices, shares, commodities, cryptocurrencies, ETFs, bonds

Minimum Deposit
£0

CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 71.91% of retail investor accounts lose money due to CFD trading 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.

eToro logo

eToro

  • Minimum deposit $10
  • 0% commission when invest is stocks
  • An investment app suitable for beginners and low-cost trading

Platform Type
Trading Platform

Instruments
Stocks, CFD, Forex, Crypto, ETFs, REITs

Minimum Trade
$1

Your capital is at risk. Other fees apply. For more information, visit etoro.com/trading/fees.

Wealthify logo

Wealthify

  • Start investing from £1
  • Ethical investing available
  • Choose an investment style that’s right for you

Platform Type
Robo Advisor

Instruments
ETFs

Minimum deposit
£1

As with all investing, your money is at risk. The value of your portfolio can go down as well as up and you could get back less than you put in. The tax treatment of your investment will depend on your individual circumstances and may change in the future. You should seek financial advice if you are unsure about investing.

Freetrade logo

Freetrade

  • Get a free share worth between £3-£200
  • Commission-free investing
  • Stock universe of 6,000 stocks and ETFs

Platform Type
Trading App

Instruments
Stocks, ETFs

Minimum Deposit
£0

When you invest your capital is at risk, the value of your investments can go down as well as up and you may get back less than what you invest. *Other charges apply. Free share terms and conditions apply. The probability is weighted, so more expensive free shares will be rarer.

InvestEngine logo

InvestEngine

  • Suitable for both experienced investors and newcomers.
  • £25 Welcome Bonus when you invest £100 (T&Cs apply)
  • One of the best investment apps with themed portfolios

Platform Type
Investment Platform

Instruments
ETFs

Minimum Deposit
£100

Bonus will be paid after 12 months and an initial investment of at least £50 in a single portfolio. With investment, your capital is at risk. This could mean the value of your investments goes down as well as up.

Lightyear investment app

Lightyear

  • New customers get $10 account credit –  Spend on stocks of your choice
  • Open an account and fund with either £1, $1 or €1
  • No account fees, no trading fees, no FX fees under £3,000 / month

Capital at risk.

Interactive Investor logo

Interactive Investor

  • Minimum deposit £0
  • Fees – £9.99 a month + £7.99 per trade
  • Good investment app for DIY Investors

Platform Type
‍Investment Platform

Instruments
Stocks, ETFs, Bonds, Funds

Minimum Deposit
£0

Capital at risk.

Wombat Investment App logo

Wombat

  • Get £20 FREE to invest when you open an account and deposit £10
  • Good investment app for small investments
  • Invest in stocks or themes

Platform Type
‍Trading App

Instruments
Shares, Stocks, ETFs (themed funds)

Minimum Deposit
£10

Capital at risk.

Circa5000 logo

CIRCA5000

  • Get £5 free when you sign up
  • Get a further £15 when you refer a friend!
  • Great investment app for impact and ESG investing

Platform Type
‍Trading App

Instruments
ETFs (themed funds)

Minimum Deposit
£5

Capital at risk.

Nutmeg logo

Nutmeg

  • Start investing with £500
  • This investment app does the investing for you with ready made portfolios
  • 6 Months 0% Portfolio Management Fees

Platform Type
Robo Advisor

Instruments
ETFs – Managed portfolios

Fees
Starts at 0.75%

Capital at risk. Tax treatment depends on your individual circumstances and may change in the future.
Hargreaves Lansdown logo

Hargreaves Lansdown

  • Buy and sell shares at £11.95 per deal online, reducing to just £5.95
  • Hargreaves Lansdown is a FTSE 100 company, trusted by over 1.5 million clients
  • One of the most recognised investment platforms in the UK

Platform Type
Investment Platform

Instruments
Stocks, shares, funds, ETFs, bonds, investment trusts

Share trading fee
£11.95

As with any investment the value can go down as well as up. Past performance is no indicator of future performance. The tax treatment of ISAs depends on your individual circumstances and may be subject to change in the future.

Best investment apps in detail

Below is my expanded list where you can read more about each investment app before making your decision to invest with them.

You can also read my completely detailed reviews of each app to find out more.

Nutmeg logo

Nutmeg

Nutmeg are a UK based investment platform that offer one the best mobile investment apps as well as desktop platform. They have their full nine-year track record on the performance of their ready made investment portfolios published on their website demonstrating a great return on investments.

Nutmeg now have more than £4 billion AUM (assets under management) and offer their users access to a financial adviser who will conduct an in-depth review of your finances in order to help you plan for your retirement, invest wisely and quantify your financial goals.

One of the biggest benefits from this provider is that they have waived their portfolio management fee for the first six months of opening a new account (T&Cs apply).

What I like about Nutmeg

The Nutmeg investment app has succeeded in simplifying investing with clear, concise information that is suitable for novice investors. There is robust account functionality including excellent user experience (UX) functionality and the ability to adjust your portfolio including editing your risk level. The clear design and transparency allow you to access real-time valuations of your portfolio from anywhere. I’m also a fan of Nutmegonomics which includes blog posts and trading updates.

Capital at risk. Tax treatment depends on your individual circumstances and may change in the future.
Moneyfarm logo

Moneyfarm

Moneyfarm is another one of the great investment apps for beginners, and they provide their users with fully managed portfolios as well as investment advice which includes an investor profile that has been matched to your investment knowledge, attitude to risk and the amount you intend to invest.

This can be invaluable when it comes to selecting your investments, ensuring you make the right choices the first time around and avoid costly mistakes. There are seven portfolios to choose from, each with a different level of risk. Their level six portfolio achieved a 16.6% return in 2019 which makes them one of the best performing options.

There is also a free pension drawdown service at Moneyfarm making them an attractive option for people looking to transfer their pension to another provider.

Why I like the Moneyfarm app

The Moneyfarm investment app scores a very dignified 4.7 out of 5 on the app store which is testament to the clear functionality and modern design you can expect. It provides full functionality for managing your investment portfolio on the go and even provides access to ‘investment consultants’

On a negative note, we would have preferred it if they didn’t overlap your contributions on the performance graph in order to give a more accurate representation of how your investments were performing.

Moneybox logo

Moneybox

If you are a beginner and new to investing in the stock market, but would like to learn as you go, including obtaining an understanding of the terminology, then Moneybox is a great option. They provide investors with excellent levels of information including tools to help predict the future value of your investments. Moneybox also have a great round-up feature that allows you to drip-feed money into your investment account as you spend. They have a range of portfolios to suit your risk appetite as well as a socially responsible fund for those who wish to invest in line with their values.

Why I like the Moneybox app

The Moneybox investment app provides investors with a truly modern, slick, investing experience. This has been widely recognised with awards including Best Money App and Best for Beginners in The Times and Sunday Times. The app has plenty of functionality as well as newsletters and articles on the stock market, and is easy to use, allowing you to access all your accounts and adjust your investment portfolio on the move. The Moneybox app has scored a very respectable 4.7 out of 5 on the App Store.

Interactive Investor logo

Interactive Investor

Interactive Investor are a great option for do-it-yourself investors who are looking for an extensive range of investment opportunities from which to build a highly diverse portfolio. One of the things to be aware of with this platform is that you are required to commit to a minimum £25 a month investment amount, however this is a great way to slowly feed your money into the stock market and build your pot whilst minimising your risk.

Whilst Interactive Investor’s range of investment platform options makes them a perfect choice for people looking to build their own portfolio, newbies needn’t be deterred as they also have three ‘Quick Start Funds’ on offer that provide ready made global portfolios that include three passively managed funds from Vanguard and three actively managed funds from BMO.

Why I like the ii app

The Interactive Investor app was voted ‘Best Mobile Share Dealing’ by readers in the Investors Chronicle Awards 2018 and provides investors with a clean and easy user experience. We were impressed with the two-factor authentication providing users with top-level security. Within the app, we were able to trade and deposit money as well as take advantage of features such as watchlists and in-depth market research. It’s definitely designed for more experienced investors, however, novice investors would soon navigate their way around it.

Vanguard logo

Vanguard

Vanguard remain one of the most cost-effective platforms for both ‘set it and leave it’ type investors and passive investors. Vanguard funds are one of the cheapest investment tracker funds on the market when all charges are taken into account. Not least because Vanguard’s platform fee of just 0.15% is less than half the industry average. However, this is only cost-effective for smaller investment amounts. For investors with over £80,000 in their portfolio, it would be best to access Vanguards funds via Interactive Investor who offer a fixed fee of just £9.99 per month.

As a platform that is solely owned by investor funds, it benefits from being managed in a way that prioritises positive outcomes for investors above all else.

Why I like the Vanguard app

The mobile investment app trading platform at Vanguard is referred to as Vanguard Investors and provides an easy to use vehicle with a modern design. The app utilises Touch ID and Face ID which is a great design feature. The search functions are all that you would expect, with the ability to search by asset name or ticker and there is the function to place order types and order time limits from within the app.

Freetrade logo

Freetrade

Freetrade will award you with a free share when you open a new account using this link. The value of your free share will be chosen lottery style and will range between £3 and £200 although the odds are higher that you will be awarded a free share at the lower end of that scale. On top of this, you can earn further free shares by referring your friends to Freetrade.

Freetrade offer over 1000 stocks and ETFs from the London Stock Exchange and the New York Stock Exchange as well as commission-free trading when you buy and sell stocks. They have marketed themselves as a platform for millennials with a low minimum investment of just £1. It will cost you £3 to hold your investments in an ISA

Why I like the Freetrade app

Freetrade have a well designed and innovative investment app with a streamlined interface that is very user friendly. We especially liked their security measures which included a digital password as well as biometric authentication in the form of Face ID and Touch ID. Freetrade have excelled in their search functions, with the ability to search by asset name or asset class. Trading is effortless within the app with handy insights about your investments and plenty of tools with which to make well-informed decisions.

Plum Savings App logo

Plum

Plum have successfully managed to harness the power of artificial intelligence using complex algorithms to calculate small increments that you can afford to save.

Plum achieves this by linking to your bank account and analysing all your income and expenditure before deciding on small amounts that you won’t miss and transferring them into your Plum saving account. Whilst you won’t earn any interest in the Primary savings account, you can then open an Easy Access Plum Basic account for free where your savings will earn 0.25% interest.

Of course, this article is about investment apps and in this area, Plum doesn’t disappoint, with access to a Stocks and Shares ISA as well as an investment account from as little as £1. From here you can select from 10 ready made available funds including the Vanguard Lifestrategy fund range.

What I like about the Plum app

The investment app really does take ease of use to the next level, with a fresh, clean interface that uses clear graphics with which to navigate through the various functionality. In terms of security, Plum haven’t left anything to chance, so you needn’t worry that the app is linked to your bank account. Setting up your account takes moments and linking to your bank account is fairly automatic. The app will also identify subscriptions that you no longer use and suggest areas such as utilities where you may be overpaying. This can help save you money instantly

Circa5000 logo

CIRCA5000 (previously tickr)

Whilst many investment apps offer impact investing, CIRCA5000 is one of the few that concentrate all their efforts into this space, providing environmentally and socially conscious investors with the perfect vehicle to grow their wealth whilst also investing in the future of the planet. CIRCA5000 is targeting young investors who are just starting out and achieves this with a lack of financial jargon as well as quick, simple processes that millennials have come to expect from the online arena. To illustrate their success in this market, more than 40% of their database are women with an average age of 31 and a staggering 50 per cent have never invested before.

*CIRCA5000 are also offering £5 completely free, into your trading account when you sign up using this link.*

Why I like CIRCA5000

As you would expect from such an innovative offering, the CIRCA5000 app is intuitive, fresh and slick. Every step along the account opening journey is picture led and investors can be up and investing in mere moments. It’s one of the most appealing platforms I have come across, with their ready made portfolio options, and it’s no surprise that it is such a hit with the millennial crowd.

Wombat Investment App logo

Wombat

When you are investing with small amounts, platform fees can quickly eat away at your potential gains and even your original investment amount, leaving you out of pocket. So what could be better than zero platform fees and low minimum investment for investors who are just starting out and only have a limited amount of funds to play with? This is exactly what you get with Wombat, you can start investing with just £10 and as long as your investment account remains under £1,000 it is completely free of all platform fees. You will of course still have the fund provider fee to contend with, however at only 0.07% to 0.70% this represents a tiny amount, especially on smaller investments.

Wombat allow you to tailor your investments around your interests and lifestyle with their 20 themed based portfolios. They also provide access to fractional shares, allowing small investors to own a piece of big brands that they otherwise might not be able to afford.

What I like about Wombat

After a somewhat shaky start, the Wombat investment app seems to have ironed out all it’s creases and is now a fully innovative way for small investors to get started. The Times has called it ‘A streamlined and affordable way to millennial investors to dip a toe in the stock market’. We loved its fresh modern look and slick, easy to use interface. It demonstrates an intuitive approach to investing and the auto-invest feature is a great feature for set-it and leave-it type investors.

Common questions

Here I try to answer some of the most common questions people ask me about investment apps.

Which is the best investment app for beginners UK?

Here is my list of the some of best investment apps for beginners in the UK

  • eToro – £10 minimum deposit plus 0% commission
  • InvestEngine – Good for beginners with themed portfolios
  • Freetrade – Best app for beginners – Commission-free investing
  • Wealthify – Beginner friendly – Start investing from £1
  • Fineco – £500 free in trading commissions
  • Nutmeg – Low cost; automatic investing; good for beginners

How do I choose the right investing app for me?

There are many things to consider when choosing investment apps to suit your needs.

As an example, you should ask yourself:

  1. What are you saving for? Different platforms offer different products which you will need to match your requirements.
  2. Will you require research tools? If you plan to manage your own investments then this will be a requirement from the trading app.
  3. What is the account minimum? This could be relevant for experimental investors who would like to try the platform before committing large sums of money.

Which is the safest investment app for beginners?

The safest investment app for beginners is a difficult question to answer, however, there are some points to consider about safety:

  1. Is the investing app authorised and regulated by the Financial Conduct Authority?
  2. Does the company behind the app offer protection for your investment from the The Financial Services Compensation Scheme?
  3. Does the app offer 2FA? Two factor authentication protects your account by requiring an additional code from a mobile app when you login.

If you’re in doubt, contact customer services on the app or website first and enquire about safety.

What is a ready-made portfolio?

Some investment apps offer ready-made investment portfolios, or themed portfolios like Wombat do, usually in an ETF (exchange traded fund).

A ready made portfolio usually contains a mix of different investments created by fund managers to help beginners with choosing individual shares or funds.

Ready-made and themed portfolios are a good choice for beginners, and for people who want to create a “set and forget” investment strategy.

FAQs about investment apps

Do investment apps really work?

Absolutely, the best investment apps UK, provide access to the stock market straight from your mobile device. Once downloaded and registered, you can navigate the options to buy stocks and shares, an investment portfolio, options trading, ETF trades and even automated investing.

Are investment apps worth it?

Investing used to be the privilege of individuals who could afford expensive financial advice, or for people who had significant sums of money to invest with. Investing apps have turned this notion on its head and made investing accessible to all walks of life. Finally, everyone can have the opportunity to grow their wealth, in a safe and friendly environment without the jargon and without the need to spend hours meticulously studying the market or a qualification in personal finance.

Please note:

This article regarding investment apps and trading apps is for informational purposes only and does not constitute investment advice. All contents are based on my understanding of HMRC legislation, which is subject to change.

The value of your investments (and any income from them) can go down as well as up and you may not get back the full amount you invested. Past performance is not a reliable indicator of future performance. Investments should be considered over the longer term and should fit in with your overall attitude to risk and financial circumstances.

Trading fees will differ between each of the investing apps featured in this article, and the minimum investment shown is subject to change for each of these apps in the UK.

#1 Best Choice

Join eToro
 

Your capital is at risk. Other fees apply. For more information, visit etoro.com/trading/fees.