7 Best Investing Apps in Europe: Find the Right One for You

Investing today is easier than ever.

You don’t need a broker, a big budget, or years of experience to get started. All you need is the right app.

But here’s the problem. Not every investing app works well in Europe.

Some are limited by country. Others come with hidden fees. And a few are simply too complicated if you’re just starting out.

Letting your money sit in a bank account long term isn’t the smartest move anymore.

Inflation slowly eats away at your purchasing power, so you end up losing money in the long run.

That’s why I put together this guide.

In this article, you’ll find the best investing apps in Europe right now, based on fees, ease of use, available markets, and overall value.

Whether you want to invest in stocks, ETFs, Crypto or simply start building long-term wealth, there’s an app here that fits your needs.

So, let’s get into it.

How to choose the right Investing app?

Choosing the right investing app comes down to a few key things. Let’s keep it simple and focus on what actually matters.

Here’s what to look for:

• Ease of use: If you’re a beginner, go for a simple app with a clean dashboard and easy buying process.
• Fees: Check trading fees, currency conversion costs, and withdrawals. Small fees add up fast.
• Available assets: Make sure the app offers what you want to invest in like stocks, ETFs, or crypto.
• Investing style: Want passive investing? Look for auto investing. Want more control? Choose advanced tools.
• Security: The app should be regulated in Europe and keep your funds protected in separate accounts.
• Deposits and withdrawals: Fast deposits and easy withdrawals make your life much easier.
• Customer support: Good support can save you when something goes wrong.

The best investing app is the one you’ll actually feel comfortable using consistently. It’s that simple.

You can always switch platforms later as your experience grows, but getting started is what matters most.

Even small investments today can make a big difference over time.

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What to invest in?

Most people get stuck at the same point.

They don’t know what’s actually safe, they’re not sure what returns to expect, and the fear of losing money keeps them from starting at all.

Let’s take a look at what assets you can invest below:

• ETFs: One fund that holds many companies. Example: S&P 500 ETF, which includes 500 of the biggest US companies like Apple, Microsoft, and Amazon.
• Broad market ETFs: Broader market exposure with an MSCI World ETF, covering developed countries like the US, UK, Germany, and Japan.
• Stocks: Buying a single company directly. Example: Apple or Tesla. Your return depends fully on that one company.
• Dividend stocks: Companies that pay you regular income. Example: Coca-Cola or Johnson & Johnson, which pay dividends every few months.
• Crypto: Digital assets that move fast and are highly volatile. Example: Bitcoin or Ethereum. Prices can rise or fall sharply in short periods.

Simple beginner approach:

• Start with ETFs first: The safest and easiest way to begin. You’re instantly diversified across many companies.
• Add stocks later: Only once you feel comfortable and understand how the market moves.
• Use crypto only if you want: Keep it very small because it’s highly volatile.

At first, I would strongly recommend starting with ETFs only.

It keeps things simple, lowers your risk, and helps you understand how investing actually works without feeling stressed.

Once you’re comfortable, you can slowly expand into other investments if you want more control.

Remember, start simple, stay consistent, and let time do the work.

Best investing apps in the EU

1 Trading 212 (iOS, Android)

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Best For: Beginners who want simple, commission-free investing

Minimum investment: €1 (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, ETPs, REITs, Investment Trusts, CFDs, Crypto

Fees: €0 commission on stocks and ETFs + ~0.15% FX fee for non-euro trades, €0 account, custody, and inactivity fees

Trading 212 is one of the best investing apps for beginners in Europe, which is why so many people choose it.

It’s the app I personally use for my own portfolio because it keeps investing simple, low cost, and easy to manage.

The biggest advantage is the zero commission trading on stocks and ETFs.

You can buy and sell without paying trading fees, which can really add up over time, especially when you’re investing smaller amounts.

You can start with as little as €1 using fractional shares, making it easy and flexible to invest in companies like Nvidia or ETFs that track the S&P 500.

The app feels clean and easy to use, without overwhelming you with charts or complex tools when you first open it.

It also includes auto-investing, “Pies”, interest on uninvested cash (currently 2.50%), and a free demo account where you can practice with virtual money.

Moreover, interest is paid daily, which I really like because who wants to wait until the end of the month to receive it?

There are no account fees, custody fees, or inactivity charges.

The main cost you’ll usually see is a small 0.15% currency conversion fee when you invest in foreign assets.

However, Trading 212 supports multiple currencies, so you can hold USD, EUR, and other currencies, helping you avoid unnecessary currency conversions.

Trading 212 is regulated by FCA in the UK, CySEC in Cyprus, and BaFin in Germany.

Overall, if you want a beginner-friendly investing app with truly commission-free trading and a smooth experience, Trading 212 is the way to go.

Features:

• €0 commission on stocks and ETFs
• Fractional investing from €1
• AutoInvest and custom “Pies”
• Ready-made investment Pies
• Interest on uninvested cash
• Multi-currency accounts
• Access to thousands of global stocks and ETFs
• Simple mobile and desktop apps
• Demo account with virtual money
• Portfolio tracking and research tools

2 DEGIRO (iOS, Android)

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Best For: Low-cost investors who want access to global markets

Minimum investment: Price of 1 whole share (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, Bonds, Options, Futures, Funds, Crypto

Fees: From €1 per trade (stocks/ETFs) + ~0.25% FX fee for non-euro trades, €0 account, custody, and inactivity fees

DEGIRO is a low-cost European broker that gives you access to more than 50 stock exchanges across 30 countries.

It’s a great option if you want to invest globally without paying high fees, while still keeping things simple.

There’s no minimum trading amount, so you can start with a small amount if you’re not ready to invest a lot upfront.

The platform offers a wide range of assets, including stocks, ETFs, bonds, options, funds, and crypto, all from one account.

Your investments are held separately in a protected legal structure, while your cash is stored in a regulated European bank account.

Your cash is protected by deposit insurance of up to €100,000.

DEGIRO also includes useful research tools like analyst insights and ESG ratings, making it easier to pick investments without feeling lost.

Overall, it’s a solid middle ground between beginner-friendly apps and more advanced platforms.

Features:

• Access to 50+ global stock exchanges
• Stocks, ETFs, bonds, options, futures, funds, and crypto
• Low trading fees
• No minimum deposit
• No inactivity fees
• Core ETF Selection with reduced fees
• No custody fees
• €100,000 cash deposit protection
• Separate custody of investments
• Web and mobile trading platforms

3 Trade Republic (iOS, Android)

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Best For: Long-term mobile investing and savings plans

Minimum investment: €1 (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, Bonds, Derivatives, Crypto

Fees: €1 per trade (stocks/ETFs), ~0.5–1.0% FX fee for non-euro trades, €0 account, custody, and inactivity fees

Trade Republic is a beginner-friendly European platform designed for simple, low-cost investing.

You can invest in thousands of stocks and ETFs across Europe, North America, and other markets, along with bonds, derivatives, and crypto.

Savings plans let you automate recurring investments from just €1, making it easy to invest consistently over time.

Uninvested cash can earn interest, with the rate depending on your country and current Trade Republic rate.

Trade Republic is regulated by BaFin, Germany’s Federal Financial Supervisory Authority, and other relevant regulators depending on the service and country.

Eligible cash deposits are protected up to €100,000 under the applicable deposit guarantee scheme.

Both the mobile and desktop apps let you manage your investments, monitor performance, and use features such as the Saveback card benefit.

Features:

• Invest from €1 in stocks, ETFs, and crypto
• Thousands of stocks and ETFs
• Corporate and government bonds
• Derivatives trading
• Automated savings plans
• Interest on uninvested cash
• €1 settlement fee per trade
• €100,000 cash deposit protection
• Mobile and desktop apps
• Saveback rewards on card spending

4 eToro (iOS, Android)

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Best For: Beginners who want social investing and copy trading

Minimum investment: €10 (Minimum Deposit: €50)

Assets to trade: Stocks, ETFs, CFDs, Crypto, Forex, Commodities, Indices

Fees: €1-€2 per stock trade depending on exchange, $0 ETF commission, ~0.75% FX fee for non-euro trades, $0 account, custody, and inactivity fees

eToro is one of Europe’s leading platforms for social investing, perfect for beginners who want guidance while trading.

It offers access to thousands of assets across stocks, ETFs, CFDs, crypto, forex, commodities, and indices all in a single app.

What sets it apart is CopyTrader which lets you automatically follow the trades of experienced investors.

You can also invest in Smart Portfolios, which are pre-built collections of assets grouped by theme or strategy, ideal for hands-off investing.

With its intuitive design and social features, eToro is a great option if you want a simple way to start investing while learning from other investors.

Features:

• CopyTrader™ to automatically copy experienced investors
• Smart Portfolios for hands-off investing
• Access to 5,000+ global assets
• Crypto trading and crypto wallet
• Forex, commodities, and indices
• Demo account with virtual money
• $50 minimum deposit
• Easy-to-use mobile and web platforms
• Real-time market updates and insights
• Social feed to connect with other investors

5 Lightyear (iOS, Android)

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Best For: Low-cost ETFs in Europe and multi-currency accounts

Minimum investment: €1 (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, MMFs, Bonds, Crypto

Fees: €1 per stock trade (varies by market), 0.45% crypto fee, ~0.35% FX conversion fee, €0 ETF trading, €0 account, custody, and inactivity fees

Lightyear is built for investors who want a clean, low-cost platform with the flexibility to start small.

You get access to thousands of stocks and ETFs across the US, UK, and Europe, with fractional shares available from as little as €1.

You can also use ETFs and money market funds (MMFs) to build a diversified portfolio without making things overly complicated.

And if you have cash sitting on the sidelines, money market funds can help it earn a return even when you aren’t investing in stocks or ETFs.

Multi-currency accounts also make it easy to hold and trade in EUR, GBP, and USD.

The platform is regulated in the UK and EU, with your assets held separately from Lightyear’s own funds.

Both the mobile and web apps are easy to use, letting you track your portfolio, explore investments, and invest with ease.

Features:

• Trade stocks across US, UK, and European exchanges
• Fractional investing from €1
• Wide selection of ETFs from providers like Vanguard and iShares
• Money market funds through Savings Vaults
• Earn returns through money market funds
• Multi-currency accounts in EUR, GBP, and USD
• Commission-free ETF trading
• Zero custody fees
• Regulated in the UK and EU
• Simple mobile and desktop apps

6 Interactive Brokers (iOS, Android)

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Best For: Advanced traders and global market access

Minimum investment: €1 (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, Options, Futures, Forex, Bonds, Funds, CFDs, Crypto

Fees: Low trading fees (~€1.25 minimum per order in Europe) + ~0.03% FX fee for non-euro trades, €0 account, custody, and inactivity fees

Interactive Brokers offers access to 170+ global markets, making it ideal for experienced investors and active traders.

You can trade a huge range of assets, including stocks, ETFs, options, futures, forex, bonds, funds, CFDs, and crypto all from one account.

The platform supports fractional shares, competitive margin rates, and interest on eligible uninvested cash, giving you plenty of flexibility.

You also get research tools, real-time market data, and advanced features.

So whether you invest occasionally or manage a larger portfolio, you’ve got plenty of tools to work with.

Interactive Brokers is regulated across Europe, with safeguards in place to help protect your investments and cash.

Features:

• Access to 170+ global markets
• Fractional shares for flexible investing
• Stocks, ETFs, options, futures, and forex
• Bonds and mutual funds
• Low trading commissions
• Low-cost currency conversion
• Advanced research and trading tools
• Real-time market data and analytics
• Mobile and desktop trading platforms
• Stock Yield Enhancement Program
• High interest on eligible uninvested cash
• Strong regulatory oversight and investor protection

7 Revolut (iOS, Android)

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Best For: Beginners who want investing, banking, and crypto in one place

Minimum investment: €1 (Minimum Deposit: €1)

Assets to trade: Stocks, ETFs, Bonds, CFDs, Commodities, Crypto

Fees: Free stock/ETP orders within monthly allowance, then ~0.25% per trade (or min €1), plan-based limits apply, currency exchange fees vary by plan, €0 custody fees

Revolut is more than a trading app. It combines banking, investing, and multi-currency accounts in one platform.

You can trade 4,000+ US and European stocks, along with fractional shares, ETFs, bonds, CFDs, commodities, and cryptocurrencies.

Specialized features like Revolut X offer advanced crypto trading tools, while Flexible Cash Funds let you put your cash to work and earn a variable return.

The platform supports multiple currencies, including EUR, GBP, and USD.

Revolut is regulated in Europe and uses security measures to protect your funds, with deposit protection applying to eligible bank deposits.

Features:

• Trade US and European stocks
• Fractional investing from €1
• Access ETFs for diversification
• Buy and sell cryptocurrencies
• Exposure to commodities like gold
• Flexible Cash Funds for earning a return on cash
• Hold multiple currencies including EUR, GBP, and USD
• Commission-free trades within eligible plan limits
• Virtual and physical cards
• Budgeting and cash management tools

Comparison table

Choose an app depending on what fits your needs and how you want to invest.

If you’re just starting out and want truly commission-free investing, I would recommend Trading 212.

It’s simple to use, and makes getting started feel easy instead of overwhelming.