The Openbook shortlist · 2026

The best trading apps
for UK investors.

From your first investment to your everyday portfolio. Explore ten UK investing apps, what makes each different, and who they suit.

10 providers comparedReviewed October 2026No paid placements
A few places to start

Different investors. Different priorities.

Pick what matters to you, then explore the full review.

The full shortlist

Ten apps. A closer look.

Accounts, investment choice and pricing, with a clear view of who each provider suits.

Our methodology
  1. 1. Trading 212

    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.

    Is it a fit for you?

    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.

    Accounts
    Invest (general) account, Stocks & Shares ISA
    Investment choice
    UK, US and European shares and ETFs, with fractional shares
    Pricing model
    Commission-free share dealing; a currency conversion fee on non-sterling trades
  2. 2. Freetrade

    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.

    Is it a fit for you?

    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.

    Accounts
    General account; Stocks & Shares ISA and SIPP on paid plans
    Investment choice
    UK, US and European shares and ETFs, with fractional shares
    Pricing model
    Free basic plan; paid monthly plans unlock accounts and lower currency fees
  3. 3. Lightyear

    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.

    Is it a fit for you?

    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.

    Accounts
    General account, Stocks & Shares ISA
    Investment choice
    UK, US and European shares and ETFs
    Pricing model
    Low per-trade fees on shares; low currency conversion costs; interest on uninvested cash
  4. 4. eToro

    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.

    Is it a fit for you?

    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.

    Accounts
    Investment account in US dollars; a UK ISA has been added more recently
    Investment choice
    UK, US and international shares and ETFs; cryptoassets
    Pricing model
    Commission-free share dealing; currency conversion on deposits and withdrawals; spreads on crypto
  5. 5. InvestEngine

    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.

    Is it a fit for you?

    Investors who have decided on a portfolio of ETFs and want it bought, topped up and rebalanced automatically at the lowest possible cost.

    Accounts
    General account, Stocks & Shares ISA, Personal pension
    Investment choice
    ETFs only
    Pricing model
    No platform fee on the self-managed service; a percentage fee for managed portfolios; ETF charges on top
  6. 6. IG

    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.

    Is it a fit for you?

    Active investors who want serious charting and research and are comfortable with a platform that also sells leveraged products.

    Accounts
    Share dealing account, Stocks & Shares ISA, SIPP; separate leveraged products
    Investment choice
    UK, US and international shares and ETFs
    Pricing model
    Per-deal commission that falls with activity; custody fee waived by dealing or holding
  7. 7. Moneybox

    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.

    Is it a fit for you?

    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.

    Accounts
    Stocks & Shares ISA, Lifetime ISA, Personal pension, General account, cash savings
    Investment choice
    A curated list of funds and ETFs, plus a selection of US shares
    Pricing model
    Monthly subscription plus a percentage platform fee; fund charges on top
  8. 8. Dodl by AJ Bell

    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.

    Is it a fit for you?

    Beginners who want a large, established provider but not its full website, and are happy with a limited range in exchange for simplicity.

    Accounts
    Stocks & Shares ISA, Lifetime ISA, Pension, General account
    Investment choice
    A curated range of funds, themed investments and UK and US shares
    Pricing model
    Low percentage platform fee with a small minimum; no dealing charges
  9. 9. Revolut

    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.

    Is it a fit for you?

    Existing Revolut users who want to hold some shares without opening another account, and who keep their main investing elsewhere.

    Accounts
    Investment account inside the Revolut app; account types vary, check the current range
    Investment choice
    US and European shares, ETFs; cryptoassets and commodities
    Pricing model
    A monthly allowance of commission-free trades by plan, then a per-trade fee; currency conversion within plan limits
  10. 10. XTB

    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.

    Is it a fit for you?

    Investors who want commission-free dealing with better charting and research than the simple apps, and who can ignore the leveraged products.

    Accounts
    General investment account; a UK ISA added in 2025
    Investment choice
    UK, US and European shares and ETFs; separate leveraged products
    Pricing model
    Commission-free share dealing up to a monthly volume, then a commission; interest on uninvested cash

Behind the shortlist

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.

How Openbook earns from this page

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.

Good questions, clear answers

Before you decide

What is the best investing app for beginners in the UK?

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.

Are these apps safe?

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.

Which apps offer a Stocks & Shares ISA?

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.

What is the difference between a trading app and a broker?

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.

Can I track all my apps in one place?

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.

Does Openbook earn money from this list?

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.

The bigger picture

Your broker holds your investments.
Openbook brings them together.

See the bigger picture across your accounts. Bring your holdings into Openbook to explore performance, dividend income, and the balance of Reward and Risk.

Bring your holdings togetherImport from your broker
One view across your accountsUnderstand what you own
Go beyond your balanceExplore performance, income and risk
Keep exploring
All comparisons
Andrew Menzies
Written by
Andrew Menzies
Co-Founder & COO, Openbook Analytics

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.