Investing has never been more accessible, thanks to the rise of online investing apps. These platforms offer intuitive interfaces, powerful tools, and the flexibility to manage your portfolio from anywhere. Whether you're new to investing or looking for the top investment apps to optimize your strategy, 2026 is set to be a promising year for digital finance. In this article, we’ll look at the top 14 investment apps for beginners, what makes them stand out, and answer common questions about starting your investment journey.
What Is Online Investing?
Online investing refers to using good investment apps and platforms to manage, buy, and sell various financial assets, including stocks, cryptocurrencies, ETFs, and more. With the best online investment apps, users can access global markets, track performance in real-time, and even set up automated strategies. These mobile investing apps simplify the process of investing money, making it more accessible than ever for beginners and experienced investors alike.
Where to Invest in 2026?
The financial landscape in 2026 offers a range of exciting opportunities for investors:
- Cryptocurrency - Digital assets like Bitcoin, Ethereum, and emerging altcoins remain popular. Using good apps for investing in cryptocurrency, you can easily buy, sell, and hold crypto.
- Stock Market - Top-rated apps for stocks provide access to diversified portfolios.
- ETFs- ETFs remain a preferred choice for those seeking low-risk, long-term growth.
- Small Investments - Some investing apps let you start with as little as a few dollars, making investing accessible for everyone.
How to Find an Easy Investment App?
Finding the right investing app is crucial to your success. Here are some factors to consider:
- User-friendly interface. Look for an app that’s intuitive and easy to navigate, especially if you're a beginner.
- Low fees. The best investing apps offer transparent pricing with low or no commissions.
- Security. Make sure that the app has encryption protocols and complies with regulatory standards.
- Features. From auto-investing apps to real-time tracking and educational tools - choose an app that suits your needs.
- Asset variety. A good investment app should provide access to various assets like stocks, crypto, ETFs, and bonds.
14 Best Investing Apps for Beginners
1. Change
Change continues to be one of the best choices for European traders looking for a secure and cost-effective way to invest in cryptocurrencies and CFDs. With a clean interface, low fees, and a variety of supported assets, Change provides a hassle-free trading experience.
Pros
- Quick onboarding process, allowing users to start trading within minutes
- Responsive and friendly customer support
- Well-designed user interface for seamless trading
Cons
- Supports 11 crypto deposit and withdrawal options
- Available only for European customers
For those looking for an intuitive platform with access to popular cryptocurrencies and stock CFDs, Change is an excellent choice. It is licensed by the Estonian Financial Intelligence Unit, no FVT000072, guaranteeing a safe trading environment.
2. Crypto.com
Crypto.com has established itself as a major player in the crypto industry, offering a wide selection of digital assets and trading features. The app allows users to earn rewards, stake assets, and engage in DeFi services.
Pros
- Onboarding takes 1-2 business days
- Offers a variety of Visa debit cards with cashback rewards
- Access to a large selection of cryptocurrencies
Cons
- Some features, such as staking and rewards, may be restricted in certain regions
- Verification process can take longer during peak periods
- The user interface can be overwhelming for beginners
Crypto.com is a great option for users who want an all-in-one crypto trading experience with additional financial services. However, its complex fee structure may not be ideal for casual traders.
3. Bitpanda
Bitpanda is a Europe-focused trading platform known for its instant SEPA deposits and user-friendly design. The platform supports cryptocurrencies, stocks, ETFs, and precious metals, making it a versatile choice for investors.
Pros
- Quick onboarding, with SEPA deposits clearing in minutes
- Supports multiple fiat currencies for deposits
- Available on both desktop and mobile
Cons
- Limited to European customers
- Higher fees compared to some competitors
Bitpanda is a strong choice for European traders looking for a multi-asset investment platform. However, those outside of Europe may need to consider other options.
4. EToro
eToro is widely recognized for its social trading features, allowing users to copy trades from experienced investors. With commission-free stock and crypto trading, eToro is a top choice for beginners.
Pros
- Onboarding takes approximately 30 minutes
- Social trading features let you copy professional traders
- Well-regulated and licensed across multiple jurisdictions
Cons
- Limited advanced charting tools compared to specialized trading platforms
- Minimum deposit requirements vary by region and can be high for some users
- Withdrawals can take longer compared to other exchanges
eToro’s beginner-friendly platform is perfect for users who want to engage in both traditional and crypto trading. However, those seeking advanced tools may find the platform somewhat limited.
5. Revolut
Revolut, initially a digital banking app, has expanded into the investment space, offering crypto, stocks, and commodities trading. The app is known for its simple interface and flexible pricing plans.
Pros
- Fast account setup, allowing trading within 15 minutes
- Supports multiple asset classes, including crypto, stocks, and gold
- Regulated and licensed in multiple regions
Cons
- Limited to Europe, Australia, USA, and parts of Asia.
- Higher fees for Standard Plan users.
Easy and straightforward (and regulated) banking service. Revolut offers first trades for free, and if you’d like to make more trades, then you’ll pay the fee or decide to upgrade to a premium plan. So if buying assets at a more affordable price is a must for you, then consider other options.
6. Coinbase
Coinbase is one of the most beginner-friendly cryptocurrency exchanges - offering a simple and secure way to buy, sell, and store digital assets. It is widely trusted and regulated in multiple regions.
Pros
- User-friendly interface, ideal for beginners
- Strong security measures, including crime insurance
- Fast onboarding, with trading available in less than half a day
Cons
- Higher fees
- More advanced trading tools are only available on Coinbase Advanced
Coinbase is a great option for new crypto investors who value security and ease of use. However, those looking for lower fees will probably prefer other exchanges.
7. Plus500
Plus500 is a leading platform for CFD trading, offering access to a wide range of assets, including cryptocurrencies, stocks, forex, and commodities.
Pros
- Fast onboarding (downloading the app to start trading is 5-10 minutes)
- Multiple money depositing options are available
- A lot of different assets to trade with
- Web app is also available
Cons
- Minimum deposit requirement of €100
- Limited to CFD trading
Plus500 is a great choice for traders looking for leveraged trading opportunities. However, those who prefer owning assets should look into other options.
8. Trading 212
Trading 212 offers commission-free trading on stocks, ETFs, and forex. Its intuitive interface makes it a popular choice among European investors.
Pros
- Commission-free trading on stocks and ETFs
- Intuitive and beginner-friendly platform
- Offers fractional share investing
Cons
- Limited cryptocurrency options
- No access to MetaTrader for advanced traders
For investors looking for a straightforward trading platform with no commission fees - Trading 212 is a great choice. However, crypto traders may find the offered selection limiting.
9. Kraken
Kraken is a reputable cryptocurrency exchange known for its strong security protocols and advanced trading features.
Pros
- Strong security measures, including 2FA and cold storage
- Access to futures and margin trading
- Supports a wide selection of cryptocurrencies
Cons
- The platform may feel overwhelming for beginners
- Certain features are restricted in some regions
Kraken is an excellent choice for traders who prioritize security and seek advanced trading options. However, newcomers to crypto trading may require some time to get to know its interface and features.
10. Binance
Binance is a globally recognized cryptocurrency exchange that is known for its selection of digital assets, competitive trading fees, and advanced trading features. It’s a great fit for both- newbies and professional traders, with a variety of tools, including futures trading, staking, and decentralized finance (DeFi) options.
Pros
- Lowest trading fees in the industry
- Wide selection of cryptocurrencies and trading pairs
- Advanced trading features, including futures, staking, and DeFi options
Cons
- Regulatory challenges in some regions
- The platform can be complex for beginners
Binance is a good choice for traders looking for a platform with a wide range of trading options and digital assets. However, due to ongoing regulatory challenges, users should verify that Binance is fully accessible in their country before registering.
11. Trade Republic
Trade Republic is a European-based investment platform which focuses on commission-free trading of stocks, ETFs, and cryptocurrencies. It is well known for its simplicity, making it a great choice for long-term investors and those who enjoy a hands-off approach.
Pros
- Commission-free stock and ETF trading
- Regulated by BaFin, guaranteeing compliance and security
- Intuitive app with a minimalistic design
Cons
- Limited cryptocurrency selection
- Customer support response times can be slow
Trade Republic is a solid option for European investors who want an affordable way to trade stocks and ETFs. However, those looking for a wider range of crypto assets may need to explore other platforms.
12. Lightyear
Lightyear is an investment platform designed for European traders, offering commission-free access to global markets. The app has multi-currency support, letting users invest in international stocks and ETFs without incurring foreign exchange fees. Lightyear aims to bridge the gap between traditional investing and tech-driven trading.
Pros
- Commission-free stock and ETF investing
- Intuitive interface for easy trading
- Supports multi-currency accounts for global investments
Cons
- Limited cryptocurrency options
- No advanced trading tools for professional traders
Lightyear is an excellent choice for investors who want exposure to global markets without incurring high fees. However, those interested in crypto trading may need to use a dedicated cryptocurrency exchange.
13. Tickmill
Tickmill is a professional-grade forex and CFD trading platform known for its tight spreads, low commissions, and high-speed trade execution. It is primarily for experienced traders who require more advanced and sophisticated trading tools, including support for automated strategies on MetaTrader 4 and MetaTrader 5.
Pros
- Low spreads and fast trade execution
- Access to forex, indices, commodities, and CFDs
- Supports MetaTrader 4 and 5 for automated trading
Cons
- Not suitable for beginners due to the platform’s complexity
- Limited stock and ETF options
- Higher minimum deposit requirement for premium accounts
Tickmill is a strong choice for traders who prioritize forex and CFD trading. However, those looking for a simple, beginner-friendly platform may prefer other brokers.
14. Robinhood
Robinhood gained popularity as one of the first platforms to offer commission-free stock trading, later adding ETFs, options, and cryptocurrencies. Its simple mobile interface makes investing accessible to beginners, while more complex features cater to long-term investors as well.
Pros
- Commission-free trading on stocks, ETFs, and cryptocurrencies
- User-friendly interface designed for beginners
- Offers fractional share investing
Cons
- Fewer advanced trading features compared to competitors
Robinhood is a great choice for beginner investors looking for an easy-to-use platform with no trading fees. Those who want more advanced tools may find other platforms more suitable.
How to Use Investing Apps to Grow Your Money?
According to a Business Insider Mobile Banking Competitive Edge Study, 89% of respondents use mobile apps for banking, and as high as 97% when we look only at millennials.
While banking apps and investing apps can be looked at as different, we strongly believe that there's a correlation. More trading and investing is done today on mobile applications than ever before and has joined banking in the mobile, financial sphere.
Investing money today has become so user-friendly, with companies like Change, that it can sometimes feel as simple as playing a mobile game. However, when it comes to putting your money to work, you don’t want to be careless. That’s why determining the best investment app for your needs and skillset is a must.
Choose apps with user-friendly interfaces, diversified investment options, and tools like automated portfolio management or educational resources. Regularly monitor your investments, stay informed about market trends, and use features such as recurring investments or spare-change roundups to steadily build wealth over time. With the right strategy, these apps can simplify the process of managing and growing your money effectively.
Bitcoin Investing Apps FAQ
Where to Start Learning Investing?
For beginners, starting with investment apps for beginners that include built-in tutorials and resources is ideal. Apps like Change and Acorns provide simple guides and automated tools that make learning investing accessible. Additionally, explore blogs, video tutorials, and free courses on financial literacy.
How to Make Sure Mobile Investment Apps Are Safe?
Safety is a top priority. Choose mobile investment apps that are regulated by financial authorities and offer features like two-factor authentication (2FA), encrypted transactions, and segregated funds. User reviews and transparent policies can also help you identify secure platforms.
What is the Best Free Investing App?
Some of the best free investing apps include Robinhood, Change, and Webull. These platforms offer commission-free trading, educational resources, and tools for both beginners and seasoned traders. For those looking to minimize costs, a free investing app is a great starting point.
What are the Best Apps to Invest in Cryptocurrency?
The best crypto investing apps for 2026 include Change, HOLD, and Crypto.com. These platforms provide access to popular cryptocurrencies, real-time price tracking, and secure wallets. Beginner investing apps like Change stand out for their user-friendly design and low fees.
Which App Automatically Invests Spare Change?
Automatic investing apps like Acorns specialize in auto-investing platforms that round up your purchases to the nearest dollar and invest the spare change into diversified portfolios. This feature is ideal for beginners who want to start small and build their investments gradually.
How to Start Investing Under 18?
Investing apps for those under 18, apps like Greenlight and Stockpile allow minors to invest with parental guidance. These best investing apps for teens provide educational tools and parental controls, making them a great way to introduce young investors to the market.
Start Investing with Change
Change is one of the best investment apps for beginners in Europe, offering a secure and intuitive platform to manage your investments. With low fees, real-time tracking, and access to various assets - Change makes it easy to start your investing journey. Whether you're looking to invest in crypto, stocks, or ETFs, Change provides all the tools you need in a single app. Download Change today and take your first step toward financial growth in 2026!
