From your first investment to your everyday portfolio. Explore ten UK investing apps, what makes each different, and who they suit.
Pick what matters to you, then explore the full review.
Accounts, investment choice and pricing, with a clear view of who each provider suits.
Best for building a portfolio from small amounts
The app that made commission-free investing mainstream in the UK. Fractional shares, automated "pies" with dividend reinvestment, a wide range of UK, US and European shares and ETFs, and a public API for anyone who wants their data elsewhere. The CFD side of the app is a separate, leveraged product; ignore it unless you know exactly what it is.
Anyone investing regular small amounts who wants the app to handle diversification and reinvestment, and investors who want their portfolio to flow into a tracker automatically.
Best for the simplest buy-and-hold app
Clean, calm and deliberately limited. Commission-free dealing and fractional shares on a free plan for a general account, with paid plans adding the ISA and SIPP and cutting currency costs. Its activity export is the easiest of any UK app to work with.
Investors who want to buy a handful of shares and funds, hold them, and not be sold trading features, with a SIPP available in the same app.
Best for a clean app with European markets and interest on cash
A newer app from Estonia with a UK arm, covering UK, US and European shares and ETFs with low currency costs and interest paid on uninvested cash. The research pages on each stock are unusually good for an app at this price, and a UK ISA is offered.
Investors who hold European as well as UK and US shares, keep some cash in the account and want it to earn, and prefer a modern app without a trading-platform feel.
Best for social investing with crypto
Commission-free shares and ETFs, crypto in the same app, and the social layer: see what other investors hold and copy them. The account is in US dollars, so there is a conversion cost in and out. Treat the copy feature as what it is: trusting your money to someone you have not met.
Investors who want shares and crypto in one app, enjoy the community, and are prepared to make their own decisions about whom, if anyone, to copy.
Best for ETF portfolios on autopilot
ETFs only, and all the better for it: no platform fee on the do-it-yourself service, fractional ETF units, automatic investing and one-click rebalancing to your target weights. A managed option exists for a fee. There are no individual shares, which rules it out for stock pickers and makes it ideal for everyone else.
Investors who have decided on a portfolio of ETFs and want it bought, topped up and rebalanced automatically at the lowest possible cost.
Best for traders who also hold long-term investments
A trading platform first, with spread betting and CFDs, but also a proper share-dealing service with an ISA and a SIPP and a large international range. The app and charting are a level above the buy-and-hold apps, and commission falls with activity.
Active investors who want serious charting and research and are comfortable with a platform that also sells leveraged products.
Best for saving first, investing second
Built around round-ups and regular deposits rather than stock picking: a Lifetime ISA for a first home, a Stocks & Shares ISA and a pension, invested in a short list of funds and ETFs with a few US shares. The app is friendly and the choice is narrow by design.
People who want to start saving and investing without decisions, especially first-time buyers using a Lifetime ISA, and who do not want a broker.
Best for a big-name broker behind a short menu
AJ Bell's simple app: a small curated range of funds and themed investments plus a selection of shares, a low percentage fee and the backing of one of the largest UK platforms. When you outgrow it, the full AJ Bell service is next door.
Beginners who want a large, established provider but not its full website, and are happy with a limited range in exchange for simplicity.
Best for investing inside the banking app you already use
Share and ETF dealing inside the Revolut app, alongside the current account, crypto and commodities. A number of commission-free trades each month depending on your plan, then a fee per trade. Convenient if you are already there; not a reason to join. Check the current account types before relying on it for an ISA.
Existing Revolut users who want to hold some shares without opening another account, and who keep their main investing elsewhere.
Best for commission-free shares with trading tools
A long-established trading platform that added commission-free shares and ETFs up to a monthly volume, interest on uninvested cash and, more recently, a UK ISA. The CFD heritage shows in the platform, which is more capable and busier than the buy-and-hold apps.
Investors who want commission-free dealing with better charting and research than the simple apps, and who can ignore the leveraged products.
Account types, markets and pricing models were checked against each provider's own website on 16 October 2026. Fees and plan limits change often, so pricing is described in words and the current figures are on each provider's site.
This is a list, not a score. The order reflects which apps suit the most UK investors, judged on what you can hold, what the pricing does to a small regular investor, how well the app works, and whether it stays out of your way. An app further down is not worse; it is right for fewer people. InvestEngine is the best app here for an ETF portfolio and useless to a stock picker.
Every fact in the cards was read off the provider's own site on the date above. Fees and plan limits are described rather than quoted, because they change several times a year. All ten are regulated by the Financial Conduct Authority for the services listed, and eligible investments are covered by the Financial Services Compensation Scheme up to its current limit.
Three of these apps also sell leveraged products: spread bets and contracts for difference. Those are not investments, most people who use them lose money, and nothing on this page is about them.
Openbook does not currently earn anything from any provider on this page. The links are ordinary links. If that changes, this box will say so, the links will be marked as sponsored, and the order of the list will not be for sale.
Trading 212 or Freetrade for someone who wants to pick their own shares and funds; InvestEngine for an ETF portfolio that runs itself; Moneybox or Dodl for someone who wants to save first and not make investment decisions at all.
All ten are regulated by the Financial Conduct Authority for the services on this page, hold client assets separately, and are covered by the Financial Services Compensation Scheme for eligible claims up to its current limit. The scheme does not cover investment losses, and it does not cover cryptoassets.
Trading 212, Freetrade (on a paid plan), Lightyear, InvestEngine, Moneybox, Dodl, IG, XTB and more recently eToro. Revolut's account types vary; check its current range. An ISA shelters gains and dividends from tax, so for most people it is the account to open first.
Nothing in law: all of these are regulated brokers. In practice "app" means an app-first service with a narrower range and commission-free or low-cost dealing, and "broker" means a fuller platform with more accounts, funds and support. Our best UK stock brokers list covers the fuller platforms.
Yes. Every app here exports a transaction history, and Openbook imports them all into one portfolio with one benchmark, income by holding and a Reward and Risk score on every position.
Not today. No provider on this page pays Openbook, the links are ordinary, and if that ever changes it will be stated on the page.
See the bigger picture across your accounts. Bring your holdings into Openbook to explore performance, dividend income, and the balance of Reward and Risk.
The ten best full-service brokers, ranked, with who each one suits.
The two biggest apps compared for UK investors.
The account most people should open first, explained.
Co-founder of Openbook Analytics. Andrew studied Finance and Economics at the University of Strathclyde and writes on UK & US equities, stock valuation models, and portfolio strategy.
This guide is for information and education only. It is not investment advice and not a recommendation to buy, sell or hold any investment. Openbook Analytics Ltd is not authorised or regulated by the Financial Conduct Authority. Past performance is not a reliable indicator of future results; the value of investments can fall as well as rise and you may get back less than you invest. Do your own research or speak to a qualified financial adviser.