Best Investment App (UK and Europe, 2026)

Most people now start investing through an app, and the good news is the modern ones are cheap, clean and beginner-friendly. The “best” app isn’t the flashiest; it’s the one that’s low-cost, easy to use and supports the account you want. Here’s what to look for and which apps fit.

What makes a good investment app

• Low or no cost. Free or cheap regular investing matters most when you’re starting. See broker fees explained.
• Genuinely easy to use. A clean app you’ll actually open and keep contributing to, without clutter you don’t need.
• The right account. In the UK, ideally an ISA; across Europe, a straightforward account and a savings plan.
• Fractional and low minimums so you can invest exact, small amounts.
• Proper regulation so your money is protected. See is my money safe.

App-first options that fit

A starting point, not a verdict. Compare them on Brokerlens and check current terms.

• Trading 212: commission-free, fractional, automated “Pies”, and a free UK ISA. One of the easiest all-round apps.
• Trade Republic: mobile-first with free ETF savings plans from €1, hugely popular across the EU.
• Lightyear: low-cost, multi-currency, with good interest on cash and a UK ISA.
• InvestEngine: ETF-only, free DIY ISA and SIPP, with a managed option.
• Freetrade: free Basic plan covering a UK ISA, SIPP and general account.

Apps like Revolut and eToro also offer investing, but they’re more general money or trading apps, so check the fund range and trade costs fit long-term investing.

Watch the trade-offs

“Free” apps can still cost you elsewhere, most often through FX fees on foreign shares, or limited free trades. A genuinely cheap app is cheap on the things you’ll actually do, not just the headline.

The bottom line

The best investment app is the low-cost, regulated, easy one that supports your account and gets you investing consistently. For long-term investing specifically, favour the dedicated investing apps over general money apps. Compare them on cost and features with Brokerlens.

Educational information, not personal advice. App features and fees change, so always check current details. We may earn a commission if you open an account through our links, which never affects what we recommend.