Best Investing Apps In The UK 2026
Disclaimer
This post is not to be considered as financial advice or UK tax advice. This is for educational purposes only. Investment returns do vary and this is an illustrative example. When you invest your capital is at risk.
Technology has changed everything.
The rise of mobile investing apps has given access to the stock market to everyday retail investors like you and me.
Best Investing Apps
So, whats the best investing app right now in 2026?
For me the best DIY Stocks and Shares ISA is currently IG due to their easy to use mobile app and commission free trading*.
EXCLUSIVE OFFER – Invest at least £300 to get up to £300 in free shares**. (Capital at risk when you invest, T&Cs apply)
*Other fees may apply. See terms and fees.
**Capital at risk. New customers only. Offer valid until 30 days after opening your account on ISA, GIA or SIPP accounts. Minimum share value £40. Cannot be used in conjunction with other offers. T&Cs apply.
IG is a self-invested platform so if you’re the more hands-off type then Moneyfarm* is our winner.
Moneyfarm* is what’s called a robo-advisor investing platform. They take care of everything for you, asking you a series of questions to understand your risk tolerance and then match you with the best offering. Plus they offer free financial advice as part of the service.
You do pay a little bit more for the managed option, but it’s very much a set-it-and-forget-it style of investing. Great for you busy types!
All of the apps we review are regulated by the FCA (Financial Conduct Authority) and are licensed in the UK.
- Disclaimer:
*Your capital is at risk when you invest. If you decide to invest it’s recommended to have a long term mindset (5 years or more). ISA, Pension & Tax rules apply.
Best UK Investing Apps - Compared
| Platform | Best For | Min Deposit | Platform Fee | Trustpilot | ISA | SIPP | FSCS | |
|---|---|---|---|---|---|---|---|---|
|
IG
Best Offer
|
Sign-up bonus | £50 | Free* |
????
4.3
|
? | ? | ? | Visit |
|
Trading 212
|
Best ISA | £1 | Free |
?????
4.6
|
? | ? | ? | Visit |
|
InvestEngine
|
ETF investing | £100 | Free (DIY) |
?????
4.7
|
? | ? | ? | Visit |
|
Moneybox
|
Range of ISAs | £1 | £1/mo + 0.45% |
????
4.4
|
? | ? | ? | Visit |
|
Moneyfarm
|
Hands-off investing | £500 | 0.35% - 0.75% |
????
4.2
|
? | ? | ? | Visit |
*IG has a £24 quarterly custody fee, waived with 3+ trades per quarter. Capital at risk when you invest. Last updated: January 2026.
IG - Best Sign-Up Offer
Key Features
- ISA, SIPP and GIAs available (Free shares when you sign up)
- Commission-free trading
- Min Deposit: £50
What I like about IG
IG has the best sign-up offer for an investment ISA in the UK right now.
They provide access to a range of over 11,000 stocks and funds plus they pay interest on uninvested cash.
With commission-free trading and an award winning mobile app this is a great option for DIY investors.
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research. T&Cs apply.
Trading 212 - Best ISA
Key Features
- ISAs and GIAs available (Free fractional share when you sign up)
- 0% commission on stocks*
- Min Deposit: £1
Trading 212 provides access to over 10,000 stocks, funds, ETFs and investment trusts.
They offer commission-free trading* and their auto investing feature is excellent.
OUR OFFER - To get free fractional shares worth up to 100 EUR/GBP, you can open an account with Trading 212 using promo code 'GAINS'. Terms apply
*Other fees may apply. See terms and fees
**When investing, your capital is at risk. If you enable interest, Trading 212 will hold your cash in qualifying money market funds and banks. Otherwise, your cash will be held only in banks. Interest applies on cash in an investment account. Terms apply.
- Commission free trading*
- Earn interest on uninvested cash**
- Fantastic mobile app
- Award winning ISA
- No personal pension
What I like about Trading 212
Trading 212 is actually where I hold my own Stocks and Shares ISA.
The reason it’s not top for me is because it’s most similar app eToro offers copy trading but it doesn’t offer an ISA!
In my opinion, Trading 212 is best for those who want access to individual stocks, funds and ETFs inside of an ISA.
There simply isn’t a better option out there for me right now.
The app is brilliant. It’s so easy to understand for beginners and you get a free fractional share worth up to £100 when you sign up!
This is backed up by incredible reviews on Trustpilot with a 4.6 out of 5 giving it a rating of ‘Excellent’.
Check out our full Trading 212 Review here.
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research. Other fees may apply. See terms and fees
InvestEngine - Best Fund Investing
Key Features
- ISA Available
- Annual Platform Fee: 0.25%
- Min deposit: £25
No buying and selling fees on their DIY portfolios for 700+ exchange-traded funds from iShares, Vanguard and Blackrock.
- One of the lowest fees on the market
- Brilliant for beginners and seasoned investors
- Fantastic customer service - 4.7/5 TrustPilot Score
- ISAs available
- Not for individual stock pickers
What I like about InvestEngine
InvestEngine currently have the lowest fees I can find anywhere for an investment app.
There are literally no platform fees for their DIY portfolios and a very low 0.25% annual charge for the ready made portfolios.
InvestEngine is all about investing in funds and they don’t offer access to individual stocks.
They work directly with some of the biggest funds in the world and it’s just a great way to encourage investors to invest in a diversified way from the off.
Their ISA is available alongside a GIA and they have been getting rave reviews from customers with a Trustpilot rating of excellent and scoring 4.6 out of 5.
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research.
Moneybox
Key Features
- Ready made and DIY ISAs
- Annual Platform Fee: 0.45%
- Min deposit: £1
Moneybox has a comprehensive selection of ISAs including Cash, Stocks & Shares, Lifetime and Junior ISAs and has other savings accounts and personal pensions available, a one-stop-shop for all your wealth-building accounts.
They offer up to 4.30% interest on their Cash ISA and up to 4.08% on their 95-day notice account.
There is a £1 per month subscription fee and a 0.45% platform fee, but for me, Moneybox is the perfect option for those looking for a more extensive selection of ISAs (including Lifetime ISAs for home buyers) and personal pensions.
- Wide range of ISAs available
- Award winning personal finance app
- Offers savings accounts and personal pensions too
- No budgeting tools
- £1 subscription fee + 0.45% platform fee
- Only 20 US stocks and a range of funds available
What I like about Moneybox
Moneybox is one of the most popular low cost ISA providers and investment apps in the UK. The app is fantastic and has so many great features to help savers and investors.
The investing arm of the business gives you access to some of the worlds best ETFs, funds and stocks so you have a suite of products to choose from.
They offer self and expert managed options so they really do cater for all types of investors.
They also offer the ability to round-up purchases directly into your chosen accounts alongside personal pensions and more!
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research.
Moneyfarm - Best For Hands Off Investors
Key Features
- ISAs and Personal Pensions Available
- Annual Platform Fee: 0.75% - 0.35%
- Min deposit: £500
Award-winning investing app, offering handpicked expert-managed portfolios. Simple investing at its finest.
Min initial deposit £500
- Expert managed portfolios
- Free financial advice
- ISAs available
- Low fees
- Not for individual stock pickers
What I like about Moneyfarm
For those who are busy and just want to invest each month but not have to check their investments every day (guilty) then Moneyfarm is perfect for you.
They work by asking you a series of questions to establish your appetite for risk. Based on your answers they then match you with one of their seven funds (don’t worry you can change at any point).
Now the minimum 1st deposit is £500 so it’s not for those looking to start with a small amount.
For those looking to invest with smaller amounts but like the style of Moneyfarm, then Wealthify offers you a managed option, but with £1 as your first deposit. It does however have less of a selection.
Moneyfarm has a rating of 3.9 out of 5 on Trustpilot which scores them as ‘Great’.
Check out our Moneyfarm vs Wealthify review for more.
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research.
Moneyfarm - Best For Hands Off Investors
Key Features
- ISAs and Personal Pensions Available
- Annual Platform Fee: 0.75% - 0.35%
- Min deposit: £500
Award-winning investing app, offering handpicked expert-managed portfolios. Simple investing at its finest.
Min initial deposit £500
- Expert managed portfolios
- Free financial advice
- ISAs available
- Low fees
- Not for individual stock pickers
What I like about Moneyfarm
For those who are busy and just want to invest each month but not have to check their investments every day (guilty) then Moneyfarm is perfect for you.
They work by asking you a series of questions to establish your appetite for risk. Based on your answers they then match you with one of their seven funds (don’t worry you can change at any point).
Now the minimum 1st deposit is £500 so it’s not for those looking to start with a small amount.
For those looking to invest with smaller amounts but like the style of Moneyfarm, then Wealthify offers you a managed option, but with £1 as your first deposit. It does however have less of a selection.
Moneyfarm has a rating of 3.9 out of 5 on Trustpilot which scores them as ‘Great’.
Check out our Moneyfarm vs Wealthify review for more.
- Disclaimer:
Your capital is at risk when you invest. Investing can be highly volatile. Seek qualified advice if necessary and always do your research.
| Platform | DIY or Managed | Min 1st Deposit | Cost | Types of investments | ISAs Available |
| InvestEngine – Best For Funds* | DIY + Managed | £100 | DIY: No fees / Managed: 0.25% annual | 830+ ETFs only | Yes |
| Trading 212 – Best ISA* | DIY | £1 | Commission free (0.15% FX conversion fee) | Stocks, ETFs, Investment Trusts, REITs, CFDs | Yes |
| IG – Best Sign-Up Offer | DIY + Managed | £50 | Zero commission + £24 quarterly custody fee (waived with 3+ trades) | Stocks, ETFs, Investment Trusts, CFDs, Options, Forex | Yes |
| Moneyfarm – Best Expert Managed* | DIY + Managed | £500 (Managed) / £0 (DIY) | Managed: 0.40-0.75% annual / DIY: £3.95 per trade | Managed: ETF portfolios / DIY: Stocks, ETFs, Funds | Yes |
| Moneybox | DIY | £1 | £1 monthly + 0.45% annual platform fee | Tracker funds, 24 ETFs, 20 US stocks | Yes |
Full Brand Reviews
How To Choose An Investment App
Investing apps have become increasingly popular among UK investors due to their convenience and accessibility.
If you’re looking to start investing using an app, there are several factors to consider to ensure you choose the right one for your needs.
Here are six things to look at when choosing an investing app:
1. Low Fees
One of the biggest advantages of investing through an app is the low fees. Many investing apps offer lower fees compared to traditional brokers, which can help you save money over the long-term. Look for an app that offers low fees on trades, deposits, and withdrawals.
The Winner: If you value low fees then our suggestion would be Trading212 or IG for commission-free trading.
2. User Experience
A good investing app should have an intuitive and user-friendly interface. Look for an app that makes it easy to navigate the platform, place trades or investments, and also provides access to research and educational materials.
We meticulously test all the apps we review to ensure they suit our readers.
The Winner: In terms of user experience, IG won Best Finance App 2024 at the ADVFN International Financial Awards. It’s simple, fast and easy to use, making the whole process very easy.
3. Suitability for beginners
If you’re new to investing, you’ll want to look for investment platforms that are suitable for beginners. Look for an investing app that offers educational resources, such as tutorials and videos, to help you learn the basics of investing as well as just being a simple app to use.
The Winner: This would be IG again because their app is so easy to use.
If you’re looking for educational videos and tutorials, then InvestEngine has an entire education series on their YouTube channel which is excellent.
4. Customer Reviews
Before choosing an investing app, read customer reviews to get an idea of other users’ experiences. Look for apps with positive reviews and high ratings, as this indicates that users have had a good experience with the app.
The Winner: The most highly rated out of all our apps that we’ve reviewed is eToro with 4.3 on Trustpilot, closely followed by Hargreaves Lansdown which has 4.2.
5. Account Types
Different investing apps offer different types of accounts, such as individual investment accounts (ISAs), self-invested personal pensions (SIPPs), and general investment accounts (GIAs). Choose an app that offers the account type that suits your investment goals and preferences.
The Winner: For the sheer range of account types available and equally for the awards they have won in each account category we have selected Hargreaves Lansdown.
6. Useful Features
Look for an investing app that offers useful features, such as real-time market data, stock alerts, and investment tracking.
The Winner: This has to be eToro again and this is because their charts on both mobile and desktop are fantastic. You can also set up stock alerts and track your investments with a dashboard style view of your portfolio with live results.
Our System
We call this system our six pillar method and it allows us to rank each of the apps with a score system. In this list of investing apps we have listed them by overall score downwards.
These features can help you make informed investment decisions and stay on top of your portfolio. When first choosing an investing app, it’s important to consider your investment goals, experience level, and budget.
For instance apps like Moneyfarm and Wealthify are expert managed meaning they’re hands off but apps like eToro and Hargreaves Lansdown are more hands on meaning you pick your own investments.
By considering these factors, you can choose an app that meets your needs and helps you achieve your investment goals.
What app is safest for beginners?
The best investment apps for beginners right now are Trading 212** and eToro. They offer banking level security and are regulated by the FCA.
Always check this before looking to invest with any provider. Those that offer FSCS protection (financial services compensation scheme) are also great because your money is protected up to the value of £120,000.**
The majority offer at least some protection but depending on the app and where it’s based the levels will differ. The safest on the market in the UK is one that is financially regulated.
**When considering the safety of your investments with Trading 212, it’s important to note that client funds are protected under the Financial Services Compensation Scheme (FSCS). This means eligible investments are covered up to £120,000 per person, per firm if Trading 212 were to become insolvent. Additionally, Trading 212 maintains client money segregation, keeping your funds completely separate from the company’s operational accounts in accordance with FCA regulations. This segregation ensures your money isn’t used for the company’s business activities and remains protected. However, it’s worth noting that this protection applies specifically under the terms of client money protection regulations and doesn’t cover investment losses from market movements or trading decisions. Always review Trading 212’s current terms and conditions for the most up-to-date information on how your funds are safeguarded.
Types of Investing Accounts
Stocks and Shares ISAs
Stocks and Shares ISAs are a tax-free way of investing in the stock market in the UK. You can invest £20,000 per year and the profits are not subject to capital gains tax.
There are a few types of stocks and shares ISAs, including a standard, Lifetime ISA and Junior ISA. If you’re just starting out then this account type is highly recommended as with all other accounts you’ll be subject to tax.
You can check out our best stocks and shares ISAs here.
Personal Pensions
If you’re planning ahead for retirement then a personal pension is one of the best options for you.
It’s important to note that you cannot withdraw your pension until you’re 55 (rising to 57 from 6 April 2028) so any money you place into your pension has to be money you are willing to put away for the long term!
You can run a personal pension alongside a workplace pension and you can invest them both.
It’s important to know your limits though…
• You can contribute up to 100% of your earnings each tax year (or £3,600 if you’re not earning)
• The annual allowance is £60,000 per year (this is the maximum you can contribute and still receive tax relief)
• You’ll receive tax relief on your contributions at your marginal rate
Good news: The Lifetime Allowance (which previously capped pension pots at £1,073,100) was abolished from April 2024. This means there’s no longer a limit on how much your pension can be worth without facing extra tax charges.
General Investment Accounts
All investing apps will have a general investment account available. It’s the standard type of investing account you’ll find.
It’s swift and easy to set up and allows you to test out platforms without committing to opening an ISA or pension.
It is however subject to capital gains tax so if you have yet to use your ISA allowance up it might be sensible to do so first.
Profits from a GIA are free for the first £3,000 but this is the total for all your investments including any property you may have, after which you may be liable to capital gains tax.
Looking to Trade Rather Than Invest?
Up the Gains is built around long-term, diversified investing.
Index funds, ISAs, pensions, and the kind of compounding that takes years to pay off. That’s where we focus, that’s where our reviews go deep, and that’s the audience we’re built for.
If you’re here because you actually want to trade actively (buying and selling stocks frequently, using leverage, or trading CFDs and forex), most of the apps on this page won’t be the right fit.
The exception is Trading 212, which works as both a long-term ISA platform and a perfectly good app for more active stock trading. It’s where I hold my own Stocks & Shares ISA, and it’s the only platform I’d recommend across both use cases.
For active stock trading inside an ISA: see my full Trading 212 review.
For everything else (CFDs, spread betting, forex, day trading): I’d point you to specialist sites like Finder or BrokerChooser. They cover this category in the depth it needs and we don’t.
Frequently Asked Questions
Most frequent questions and answers when it comes to the best investing apps UK
How to invest in small amounts?
If you can only afford to invest £1 then that’s totally fine. Investing is about creating wealth and if you can only afford a small amount each month then it is better than none at all.
At the end of the day you need to prioritise what your goals are and how long you want to achieve them in. Once you have this you can start to form a plan of how much you’ll need to invest to get there. The rest is up to you!
Where can I learn about the stock market?
There are lots of fantastic free and paid resources to get stuck into. Some of our favourite websites include Investopedia for terminology, The Motley Fool for stock insight and Seeking Alpha for in depth thought pieces.
We also have an academy packed with a tonne of free resources which you can check out here.
What are the best investing apps UK?
Some fantastic solutions are out there, but our top two are InvestEngine and Moneyfarm.
You can also learn about the latest stock market news from apps like Finimize.
Final Thoughts
We hope you enjoyed the best investment apps in the UK and if you have any that you think we should add to our list please be sure to let us know.
Certain apps will be better for your own investment portfolio so it’s important to do your own research throughly before committing to a product.
If you’re looking to start investing but don’t know where to start head over to our investing for beginners page.
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Disclaimer – please note that nothing on this page constitutes financial, UK tax or investment advice. You may lose money and you may get back less than you put in. Capital is at risk when you invest.