The Best Investing Apps

Introduction

Getting started with investing has never been easier. Thanks to modern technology, anyone can begin building a portfolio right from their phone. But with so many investing apps available, choosing the right one can feel overwhelming. The key is finding an app that is simple to use, low in cost, and educational enough to help you grow as an investor.

When deciding which app to use, beginners should consider several important factors. A great investing app should have low or no fees, an easy to understand interface, strong customer support, and helpful learning tools. It should also provide access to diversified investment options such as index funds and ETFs. Security, regulation, and transparency are equally vital since you are trusting the platform with your money.

The list below outlines five of the best investing apps for beginners in the UK. Each app has been chosen based on its simplicity, affordability, and overall reliability. The descriptions include key features, ideal users, and a short summary of why each app stands out. This list is not financial advice, but a guide to help you make an informed choice as you start your investing journey.

The Best Investing Apps

1. Freetrade

Freetrade is one of the most popular investing apps in the UK for beginners. Its clean design and easy navigation make it perfect for anyone new to investing. You can buy and sell UK and US stocks, ETFs, and investment trusts directly from your phone without paying commissions on standard trades.

• Best for: Beginners who want a simple, low cost way to buy and hold stocks.
• Key features: Commission free trades, a user friendly interface, and fractional shares.
• Why it stands out: Freetrade’s transparent pricing and straightforward design make investing approachable for anyone. You can start with as little as £2.

2. Vanguard Investor

Vanguard is one of the most trusted names in global investing and is known for its low cost index funds. The Vanguard Investor app is ideal for beginners who prefer a hands off approach focused on long term growth. You can invest in ready made portfolios or build your own from a range of index funds and ETFs.

• Best for: Long term investors who value low fees and steady growth.
• Key features: Simple interface, globally diversified funds, and low account fees.
• Why it stands out: Vanguard focuses on long term, disciplined investing rather than short term trading. It is perfect for people who want to set up a portfolio and let it grow with minimal effort.

3. InvestEngine

InvestEngine specialises in ETF investing and offers both DIY and managed portfolio options. It is a newer platform but has quickly gained attention for its modern design and zero platform fees for self managed portfolios. Beginners can start small and easily switch between managing their own portfolio and using a pre built one.

• Best for: People who want flexibility between managing their own investments or having them managed for them.
• Key features: No platform fees for DIY investors, low fund costs, and professional portfolio options.
• Why it stands out: InvestEngine combines modern simplicity with professional management choices, making it a strong all rounder for beginners and beyond.

4. eToro

eToro is a social investing platform that allows you to buy shares, ETFs, and cryptocurrencies, as well as follow and copy other investors’ portfolios. This unique approach makes it appealing for beginners who want to learn by observing the strategies of experienced traders. The app has a strong global community and an intuitive design.

• Best for: Beginners who want to learn from others while exploring different asset types.
• Key features: CopyTrading system, access to multiple asset classes, and interactive community features.
• Why it stands out: eToro turns investing into a social experience, allowing users to see how successful investors manage their portfolios in real time.

Note: eToro also offers cryptocurrency trading, which carries higher risk. Always research before investing in digital assets.

5. Moneybox

Moneybox is designed for beginners who want to start investing gradually without needing large sums of money. The app rounds up your everyday purchases and automatically invests the spare change into diversified funds. It also offers Lifetime ISAs, pensions, and savings accounts, making it a great all in one option for young investors.

• Best for: New investors who prefer automatic, hands off investing.
• Key features: Round up investing, beginner focused funds, and a clean, friendly interface.
• Why it stands out: Moneybox makes investing effortless by turning your spare change into long term savings. It is an easy way to build consistency without feeling the impact on your budget.

How to Choose the Right App for You

The best app for you depends on your goals, comfort level, and how much control you want over your investments. If you prefer to learn and manage your own portfolio, Freetrade or InvestEngine may suit you best. If you want a set and forget experience, Vanguard or Moneybox are excellent choices. eToro is ideal if you enjoy learning through community engagement and exploring different assets.

Before choosing an app, check the platform fees, withdrawal rules, and available investment options. Start small, explore how each app works, and focus on building good habits rather than chasing fast profits. The best app is the one you will actually use consistently and confidently.

Final Thoughts

Investing apps have opened the door for anyone to start building wealth from their phone. They simplify the process, remove barriers, and make investing accessible to everyone. By choosing a beginner friendly app with low costs and helpful tools, you can take your first step toward financial independence with confidence.

Start where you are, invest consistently, and let time and compounding do the rest. The right app will make that journey easier and more rewarding.