Spare Change Investment Apps for 2026

We found 11 online brokers that are appropriate for Trading Investment Apps.

Spare Change Investment Apps Guide

Analysis by Andrew Blumer, Updated Last updated – February 03, 2026

Spare Change Investment Apps

In today's fast paced digital world, mobile technology has revolutionized how we manage our finances. Among the many innovations, spare change investment apps have emerged as a popular tool for young investors seeking to enter the stock market without the burden of significant capital. These apps allow users to invest their spare change from everyday purchases, making investing accessible and less intimidating. As financial literacy becomes increasingly important, especially among Millennials and Gen Zers, these platforms aim to bridge the gap between saving and investing, empowering a new generation to grow their wealth with minimal effort.

Polls reveal that less than half of Millennials and Gen Zers invest in the stock market, as many believe they don't have enough funds to do so. They often hold the misconception that trading requires substantial capital.

Recently, more fintech companies and finance experts have been making investing easier and less costly, supporting beginners in starting their trading journey and gradually building wealth.

'Betterment', 'Wealthfront', and 'robo advisors' are some well known, low fee apps that manage investments efficiently. In addition to these, spare change investment apps like 'Clink', 'Acorns', and 'Stash' are useful for young investors to start at a much lower cost.

These spare change investment apps confirm that significant sums are not needed to begin buying stocks. Below are some advantages and disadvantages of using spare change investment apps.

Key Advantages of Spare Change Investment Apps

Spare change investment apps offer a range of compelling advantages that cater specifically to novice investors. By eliminating common barriers associated with investing, such as high minimum deposits and complex trading platforms, these apps provide an accessible entry point for individuals looking to grow their financial portfolios. They promote a culture of saving and investing, enabling users to accumulate wealth gradually and effortlessly. This democratization of investment opportunities is particularly beneficial for younger generations who may be hesitant to engage in the stock market due to perceived financial constraints or lack of experience.

Low Minimum Deposit

The primary focus of spare change investment apps is to make the initial deposit minimal for new investors who want to start trading on the stock market. Some of these apps even facilitate starting investments with less than a dollar.

'Clink' encourages traders to start with just $1 per day, emphasizing that small lifestyle changes like cutting down on morning coffee can transform into investment opportunities, making it easier for anyone to become an investor.

Smaller Account Low Fees

Another significant benefit of using spare change investment apps is their low fee structure for maintaining a small account. For instance, both 'Clink' and 'Stash' charge a fixed fee of $1 per month if the balance is below $5,000. Once the balance exceeds this threshold, the fee increases to 0.25% of the account value. This fee structure helps users maintain cost efficiency, though it’s important to note how fees can impact overall returns.

Similarly, 'Acorns' charges a flat fee of $1, which can increase to $3 per month if the account is structured as an IRA, keeping costs manageable for users at various investment levels.

User Friendly Interface

Spare change investment apps are designed with user experience in mind, offering intuitive interfaces that simplify the investment process. Users can easily track their investment progress without the need for extensive financial knowledge or experience.

The ease of use is further enhanced by automated features that manage investments on behalf of users. By pooling spare change into a diversified portfolio of ETFs tailored to individual risk preferences, these apps make it easy for investors to monitor and grow their earnings without the stress of stock selection.

Educational Resources and Support

Many spare change investment apps also provide educational resources aimed at increasing financial literacy among users. These resources can include articles, videos, and tools designed to help users understand the basics of investing, market trends, and strategies for growing their wealth over time. This educational support not only enhances the user experience but also empowers investors to make informed decisions about their financial futures.

Drawbacks of Spare Change Investment Apps

While spare change investment apps provide numerous benefits, they also come with certain drawbacks that potential users should carefully consider. Understanding these limitations is essential for making informed investment decisions. Some of the challenges associated with these apps can affect both financial returns and the overall investment experience for users, particularly those with specific financial goals or who are accustomed to traditional investment methods. Awareness of these disadvantages can help investors align their strategies with their individual needs and risk tolerance.

Higher Relative Fees

One of the most significant drawbacks of spare change investment apps is their fee structure, which can be disproportionately high relative to the amount invested. Although these apps advertise low monthly fees, users with smaller account balances may find that these fees consume a larger percentage of their returns compared to traditional investment platforms. This is particularly concerning for those who plan to invest only modest amounts initially, as fees can hinder the growth of their investments over time.

Limited Investment Options

Spare change investment apps often offer a limited range of investment options, typically focusing on a selection of ETFs or pre set portfolios. This can restrict users' ability to customize their investments based on individual preferences or strategies. More experienced investors or those looking to diversify their portfolios might find these limitations frustrating, as they may prefer a wider array of asset classes or the ability to invest in specific stocks.

Potential for Inactivity

The automated nature of many spare change investment apps can lead to user complacency. While automation simplifies the investment process, it can also encourage a lack of engagement with one’s financial portfolio. Users may become passive investors, neglecting to regularly review or adjust their investment strategies as their financial situations or market conditions change. This detachment can result in missed opportunities for growth or inadequate responses to market fluctuations.

Market Risk and Emotional Investing

As with any investment, spare change apps expose users to market risks, including the potential for loss of principal. New investors may be particularly vulnerable to emotional investing, making impulsive decisions based on market volatility or fear of losing money. Without proper guidance and a solid understanding of market dynamics, users may struggle to navigate the emotional aspects of investing, leading to premature withdrawals or poorly timed trades.

Limited Personalization

While many spare change investment apps provide some level of risk assessment, the degree of personalization in portfolio management can be limited. Users may not have the ability to tailor their investment strategies in alignment with their specific financial goals or risk tolerances. This can be a disadvantage for those who prefer a more hands on approach to investing or who have unique circumstances that require customized financial solutions.

Comparison with Traditional Investment Methods

comparison with traditional investment methods

When evaluating spare change investment apps, it’s essential to understand how they stack up against traditional investment methods. Each approach offers distinct advantages and disadvantages that cater to different types of investors. Spare change investment apps are designed for simplicity and ease of use, making them highly accessible to novice investors. With intuitive interfaces and automated features, users can start investing with minimal effort. In contrast, traditional investment platforms often require a deeper understanding of financial concepts and market mechanics, which can be intimidating for beginners.

One significant difference lies in the minimum investment requirements. Spare change apps allow users to start investing with as little as a few cents, promoting a habit of saving and investing. Traditional brokerage accounts, however, typically have higher minimum deposit requirements, which can pose a barrier for new investors who may not have substantial capital to invest initially. While spare change investment apps often advertise low fees, these can accumulate and impact overall returns, especially for smaller accounts. Traditional brokers may charge commissions on trades, management fees, or advisory fees, which can vary widely depending on the service provided. It is crucial for investors to compare total costs, as some traditional platforms offer commission free trading for certain asset classes.

In terms of investment options, spare change investment apps generally offer a limited selection, primarily focusing on ETFs or predefined portfolios. This can restrict users looking for specific investments or diversification strategies. Traditional brokerage accounts provide access to a broader range of investment vehicles, including individual stocks, bonds, mutual funds, and options, allowing for greater customization and control over one’s investment strategy.

Many spare change investment apps incorporate educational resources to help users learn about investing, which is particularly beneficial for beginners. In contrast, traditional investment platforms often provide more comprehensive research tools, market analysis, and access to financial advisors, which can be advantageous for users looking for more in depth insights and personalized advice. Lastly, investors using spare change apps may become more passive due to the automated nature of these platforms, while traditional methods typically require more hands on management, encouraging investors to actively engage with their financial portfolios.

Integrating Spare Change Apps into a Broader Financial Strategy

Incorporating spare change investment apps into a broader financial strategy can significantly enhance an individual's overall financial health. These apps are not just standalone tools; they can complement existing savings and investment efforts, creating a more robust financial plan. First and foremost, users should view these apps as a means to cultivate consistent saving and investing habits. By allowing users to invest small amounts effortlessly, they can accumulate wealth over time without feeling the pinch of larger financial commitments.

Budgeting is an essential component of any financial strategy, and spare change apps can play a pivotal role in this process. Users can set specific savings goals, such as funding a vacation or building an emergency fund. By linking their spending habits to the app, they can automatically invest spare change towards these goals, making saving feel less burdensome. This integration encourages a mindset focused on financial growth, allowing users to see their investments grow alongside their savings.

Additionally, users can consider using spare change apps as part of a diversified investment portfolio. While these apps primarily offer limited investment options, they can serve as a starting point for beginners. Once users gain confidence and experience, they can branch out into traditional brokerage accounts or more sophisticated investment vehicles. This layered approach allows individuals to build their investment knowledge gradually while still benefiting from the convenience of spare change apps.

Regular financial reviews are another critical aspect of integrating these apps into a broader strategy. Users should periodically assess their financial goals and investment performance. By reviewing how spare change investments are contributing to overall financial objectives, individuals can make informed decisions about adjusting their contributions or reallocating funds as needed. This proactive approach ensures that their investment strategy remains aligned with their changing financial landscape.

It’s important to remember that while spare change apps can provide a convenient entry point into investing, they should not replace comprehensive financial planning. Users should consider their overall financial situation, including debt management, retirement savings, and other investment accounts. By weaving spare change investment apps into a holistic financial strategy, individuals can maximize their financial potential and work towards achieving their long term goals.

Tax Implications of Using Spare Change Investment Apps

Understanding the tax implications of using spare change investment apps is crucial for UK, European, and Australian investors. Tax laws vary by jurisdiction, so knowing how investment gains are taxed can help users plan more effectively and avoid unexpected liabilities.

UK Tax Considerations

In the UK, investment gains made through spare change investment apps are typically subject to Capital Gains Tax (CGT) when they exceed the annual tax free allowance. Dividends earned may also be taxed based on the individual's tax band. However, certain tax efficient accounts like ISAs (Individual Savings Accounts) can be used to shelter gains and dividends from taxes, making them a popular choice for long term investors.

European Tax Considerations

Tax regulations in Europe vary by country. For example, in Germany, capital gains on investments held for over a year may be tax free for some types of investments, while other European countries may impose a flat rate on investment income. It is important for investors to familiarize themselves with local tax rules or consult with a tax professional for personalized advice.

Australian Tax Considerations

In Australia, investment gains are subject to Capital Gains Tax, which is part of the individual’s income tax. If an investment is held for more than 12 months, users may be eligible for a 50% CGT discount, making long term investing more tax efficient. Income generated from dividends is also taxable, and franking credits may apply to reduce the overall tax burden.

Due to the complexity of tax laws, it's advisable for users to consult with a tax professional to understand their individual obligations and explore potential tax benefits available in their region.

Educational Resources Offered by Spare Change Investment Apps

Beyond facilitating investments, many spare change apps offer educational resources that can enhance users' financial literacy. Here are examples of the types of educational content provided by various apps:

UK Based Apps

European Apps

Australian Apps

The educational resources offered by these apps can be a valuable tool for users looking to expand their investment knowledge and make more informed decisions.

Impact of Inflation on Long Term Investments

While spare change investment apps make it easier to invest and accumulate wealth over time, it's important for users to understand the potential impact of inflation on their long term investments. Inflation refers to the general increase in prices and the corresponding decrease in the purchasing power of money.

Over time, even a modest inflation rate can erode the real value of investment returns. For instance, if an investment yields a 5% return but the inflation rate is 3%, the real return is effectively 2%. This reduced purchasing power can impact the future value of investments and the ability to meet financial goals.

Investors using spare change apps should consider strategies to mitigate the impact of inflation, such as diversifying their investments or opting for assets that traditionally offer inflation protection, like certain types of stocks or inflation indexed bonds. While spare change investment apps often focus on ETFs and pre set portfolios, users can adjust their strategies as they gain confidence and experience to better account for inflation over the long term.

Understanding inflation and its effects is key to maintaining the purchasing power of your investments and ensuring that your long term financial strategy aligns with your future needs.

Spare Change Investment Apps Verdict

spare change investment app verdict

Spare change investment apps provide an innovative and accessible pathway for new investors eager to engage with the stock market. By enabling users to invest small amounts through rounded up purchases, these platforms eliminate traditional barriers such as high minimum investments and complex processes. This approach encourages a culture of saving and investing, particularly appealing to younger generations who may feel excluded from financial markets.

However, it’s important to consider the potential downsides. While these apps boast low fees, users with smaller account balances may find that these costs disproportionately affect their investment returns over time. This could hinder the growth of their portfolios, especially for those who intend to invest modest amounts initially.

Additionally, the limited investment options available can restrict users' ability to diversify their portfolios. Those who are more experienced or wish to implement specific investment strategies might find these platforms lacking in flexibility and customization.

Another critical factor is the risk of user inactivity. The automated nature of many of these apps might lead users to become passive investors, neglecting regular portfolio reviews or adjustments as their financial situations evolve. This detachment could result in missed opportunities for maximizing returns or responding effectively to market fluctuations.

Furthermore, the inherent market risks associated with investing apply here as well. New investors might struggle with the emotional aspects of market volatility, leading to impulsive decisions that could negatively impact their long term financial goals.

Spare change investment apps can serve as a valuable entry point for individuals looking to start their investing journey, but users should remain aware of their limitations and actively engage with their investment strategies to achieve their financial objectives.

We have conducted extensive research and analysis on over multiple data points on Spare Change Investment Apps to present you with a comprehensive guide that can help you find the most suitable Spare Change Investment Apps. Below we shortlist what we think are the best Investment Apps after careful consideration and evaluation. We hope this list will assist you in making an informed decision when researching Spare Change Investment Apps.

Reputable Spare Change Investment Apps Checklist

Selecting a reliable and reputable online Investment Apps trading brokerage involves assessing their track record, regulatory status, customer support, processing times, international presence, and language capabilities. Considering these factors, you can make an informed decision and trade Investment Apps more confidently.

Selecting the right online Investment Apps trading brokerage requires careful consideration of several critical factors. Here are some essential points to keep in mind:

Our team have listed brokers that match your criteria for you below. All brokerage data has been summarised into a comparison table. Scroll down.

Compare Key Features of Investment Apps in Our Brokerage Comparison Table

When choosing a broker for Investment Apps trading, it's essential to compare the different options available to you. Our Investment Apps brokerage comparison table below allows you to compare several important features side by side, making it easier to make an informed choice.

By comparing these essential features, you can choose a Investment Apps broker that best suits your needs and preferences for Investment Apps. Our Investment Apps broker comparison table simplifies the process, allowing you to make a more informed decision.

Top 15 Investment Apps of 2026 compared

Here are the top Investment Apps.

Compare Investment Apps brokers for min deposits, funding, used by, benefits, account types, platforms, and support levels. When searching for a Investment Apps broker, it's crucial to compare several factors to choose the right one for your Investment Apps needs. Our comparison tool allows you to compare the essential features side by side.

All brokers below are Investment Apps. Learn more about what they offer below.

You can scroll left and right on the comparison table below to see more Investment Apps that accept Investment Apps clients.

Broker IC Markets Roboforex eToro XTB XM Pepperstone AvaTrade FP Markets EasyMarkets SpreadEx FXPro
Rating
Regulation International Capital Markets Pty Ltd (Australia) (ASIC) Australian Securities & Investments Commission Licence No. 335692, Seychelles Financial Services Authority (FSA) (SD018), IC Markets (EU) Ltd (CySEC) Cyprus Securities and Exchange Commission with License No. 362/18, Capital Markets Authority(CMA) Kenya IC Markets (KE) Ltd, Securities Commission of The Bahamas (SCB) IC Markets (Bahamas) Ltd RoboForex Ltd is authorised and regulated by the Financial Services Commission (FSC) of Belize under licence No. 000138/32, under the Securities Industry Act 2021, RoboForex Ltd is an (A category) member of The Financial Commission, also RoboForex Ltd is a participant of the Financial Commission Compensation Fund FCA (Financial Conduct Authority) eToro (UK) Ltd (FCA reference 583263), eToro (Europe) Ltd CySEC (Cyprus Securities Exchange Commission), ASIC (Australian Securities and Investments Commission) eToro AUS Capital Limited ASIC license 491139, CySec (Cyprus Securities and Exchange Commission under the license 109/10), FSAS (Financial Services Authority Seychelles) eToro (Seychelles) Ltd license SD076, eToro (ME) Limited (ADGM) Abu Dhabi (UAE) number 220073, eToro (Europe) Ltd (AMF) Autorité des marchés financiers as a digital assets provider France FCA (Financial Conduct Authority reference 522157) XTB Limited, CySEC (Cyprus Securities and Exchange Commission reference 169/12), DFSA (Dubai Financial Services Authority XTB MENA Limited licensed 8 July 2021), FSA (Financial Services Authority Seychelles license number SD148), FSCA (Financial Sector Conduct Authority XTB Africa (Pty) Ltd licensed 10 August 2021), KNF (Komisja Nadzoru Finansowego Polish Financial Supervision Authority) Financial Sector Conduct Authority (FSCA) (49976) XM ZA (Pty) Ltd, Financial Services Commission (FSC) (000261/27) XM Global Limited, Cyprus Securities and Exchange Commission (CySEC) (license 120/10) Trading Point of Financial Instruments Ltd, Australian Securities and Investments Commission (ASIC) (number 443670) Trading Point of Financial Instruments Pty Ltd Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC), Federal Financial Supervisory Authority (BaFin), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of The Bahamas (SCB) number SIA-F217 Australian Securities and Investments Commission (ASIC) Ava Capital Markets Australia Pty Ltd (406684), South African Financial Sector Conduct Authority (FSCA) Ava Capital Markets Pty Ltd (45984), Financial Services Agency (Japan FSA) Ava Trade Japan K.K. (1662), Financial Futures Association of Japan (FFAJ) Ava Trade Japan K.K. (1574), Abu Dhabi Global Markets (ADGM) / Financial Regulatory Services Authority (FRSA) Ava Trade Middle East Ltd (190018), Central Bank of Ireland (C53877) AVA Trade EU Ltd, Polish Financial Supervision Authority (KNF) AVA Trade EU Ltd (branch authorisation), British Virgin Islands Financial Services Commission (BVI) Ava Trade Markets Ltd (SIBA/L/13/1049), Israel Securities Authority (ISA) ATrade Ltd (514666577), Financial Superintendence of Colombia (SFC 0261 of 2024), Investment Industry Regulatory Organization of Canada through Friedberg Direct (IIROC) CySEC (Cyprus Securities and Exchange Commission) (371/18), ASIC AFS (Australian Securities and Investments Commission) (286354), FSP (Financial Sector Conduct Authority in South Africa) (50926), Financial Services Authority Seychelles (FSA) (SD 130) Easy Forex Trading Ltd is regulated by CySEC (License Number 079/07). Easy Forex Trading Ltd is the only entity that onboards EU clients, easyMarkets Pty Ltd is regulated by ASIC (AFS License No. 246566), EF Worldwide Ltd in Seychelles is regulated by FSA (License Number SD056), EF Worldwide Ltd in the British Virgin Islands is regulated by FSC (License Number SIBA/L/20/1135) FCA (Financial Conduct Authority) (190941), Gambling Commission (Great Britain) (8835), licence in Ireland as remote bookmaker for fixed odds betting licence number 1016176 FCA (Financial Conduct Authority) (509956), CySEC (Cyprus Securities and Exchange Commission) (078/07), FSCA (Financial Sector Conduct Authority) (45052), SCB (Securities Commission of The Bahamas) (SIA-F184), FSA (Financial Services Authority of Seychelles) (SD120)
Min Deposit 200 10 50 No minimum deposit 5 No minimum deposit 100 100 25 No minimum deposit 100
Funding
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
  • Bank transfer
  • Credit Card
  • Paypal
Used By 200,000+ 730,000+ 40,000,000+ 2,000,000+ 15,000,000+ 830,000+ 400,000+ 200,000+ 250,000+ 60,000+ 11,200,000+
Benefits
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Offers STP
  • Low min deposit
  • Offers Negative Balance Protection
  • Offers STP
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Offers STP
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Offers STP
  • Low min deposit
  • Guaranteed stop loss
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Guaranteed stop loss
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
  • Allows scalping
  • Allows hedging
  • Low min deposit
  • Offers Negative Balance Protection
Accounts
  • Demo account
  • Mini account
  • Standard account
  • Zero spread account
  • ECN account
  • Raw Spread account
  • Islamic account
  • Demo account
  • Micro account
  • Mini account
  • Standard account
  • Zero spread account
  • ECN account
  • Islamic account
  • Demo account
  • Standard account
  • Islamic account
  • Pro account
  • Demo account
  • Micro account
  • Mini account
  • Standard account
  • Islamic account
  • Demo account
  • Micro account
  • Standard account
  • Islamic account
  • Demo account
  • Standard account
  • Zero spread account
  • ECN account
  • Islamic account
  • Demo account
  • Micro account
  • Mini account
  • Standard account
  • Managed account
  • Islamic account
  • Demo account
  • Micro account
  • Standard account
  • ECN account
  • Islamic account
  • Demo account
  • Standard account
  • Islamic account
  • Demo account
  • Standard account
  • Demo account
  • Mini account
  • Islamic account
Platforms MT5, MT4, MetaTrader WebTrader, Mobile Apps, iOS (App Store), Android (Google Play), MetaTrader iPhone/iPad, MetaTrader Android Google Play, MetaTrader Mac, cTrader, cTrader Web, cTrader iPhone/iPad, cTrader iMac, cTrader Android Google Play, cTrader Automate, cTrader Copy Trading, TradingView, Virtual Private Server, Trading Servers, MT4 Advanced Trading Tools, IC Insights, Trading Central MT4, MT5, R Mobile Trader, R StocksTrader, WebTrader, Mobile Apps, iOS (App Store), Android (Google Play), Windows eToro Trading App, Mobile Apps, iOS (App Store), Android (Google Play), CopyTrading, Web MT4, Mirror Trader, Web Trader, Tablet, Mobile Apps, iOS (App Store), Android (Google Play) MT5, MT5 WebTrader, XM Apple App for iPhone, XM App for Android Google Play, Tablet: MT5 for iPad, MT5 for Android Google Play, XM App for iPad, XM App for iOS (App Store), Android (Google Play), Mobile Apps MT4, MT5, cTrader,WebTrader, TradingView, Windows, Mobile Apps, iOS (App Store), Android (Google Play) MT4, MT5, Web Trading, AvaTrade App, AvaOptions, Mac Trading, AvaSocial, Mobile Apps, iOS (App Store), Android (Google Play) MT4, MT5, TradingView, cTrader, WebTrader, Mobile Trader, Mobile Apps, iOS (App Store), Android (Google Play) easyMarkets App, Mobile Apps, iOS (App Store), Android (Google Play), Web Platform, TradingView, MT4, MT5 Web, Mobile Apps, iOS (App Store), Android (Google Play), iPad App, iPhone App, TradingView MT4, MT5, cTrader, FxPro WebTrader, FxPro Mobile Apps, iOS (App Store), Android (Google Play)
Support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
  • Live chat
  • Phone support
  • Email support
Learn More Sign Up with
icmarkets
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roboforex
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etoro
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xtb
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xm
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pepperstone
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avatrade
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fpmarkets
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easymarkets
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spreadex
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fxpro
Risk Warning Losses can exceed deposits Losses can exceed deposits 46% of retail investor accounts lose money when trading CFDs with this provider. 70% - 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74.48% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. 72-95 % of retail investor accounts lose money when trading CFDs 57% of retail investor accounts lose money when trading CFDs with this provider Losses can exceed deposits Your capital is at risk 62% of retail CFD accounts lose money 74% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider
Demo IC Markets
Demo
Roboforex
Demo
eToro
Demo
XTB
Demo
XM
Demo
Pepperstone
Demo
AvaTrade
Demo
FP Markets
Demo
easyMarkets
Demo
SpreadEx
Demo
FxPro
Demo
Excluded Countries US, IR, CA, NZ, JP AU, BE, BQ, BR, CA, CW, CZ, DE, ES, EE, EU, FM, FR, FI, GW, ID, IR, JP, LR, MP, NL, PF, PL, RU, SE, SJ, SS, SL, SI, TL, TR, DO, US, IT, AT, PT, BG, HR, CY, DK, FL, GR, IE, LV, LT, MT, RO, SK, CH ZA, ID, IR, KP, BE, CA, JP, SY, TR, IL, BY, AL, MD, MK, RS, GN, CD, SD, SA, ZW, ET, GH, TZ, LY, UG, ZM, BW, RW, TN, SO, NA, TG, SL, LR, GM, DJ, CI, PK, BN, TW, WS, NP, SG, VI, TM, TJ, UZ, LK, TT, HT, MM, BT, MH, MV, MG, MK, KZ, GD, FJ, PT, BB, BM, BS, AG, AI, AW, AX, LB, SV, PY, HN, GT, PR, NI, VG, AN, CN, BZ, DZ, MY, KH, PH, VN, EG, MN, MO, UA, JO, KR, AO, BR, HR, GL, IS, IM, JM, FM, MC, NG, SI, US, IN, PK, BD, NG , ID, BE, AU US, CA, IL, IR AF, AS, AQ, AM, AZ, BY, BE, BZ, BT, BA, BI, CM, CA, CF, TD, CG, CI, ER, GF, PF, GP, GU, GN, GW, GY, HT, VA, IR, IQ, JP, KZ, LB, LR, LY, ML, MQ, YT, MZ, MM, NZ, NI, KP, PS, PR, RE, KN, LC, VC, WS, SO, GS, KR, SS, SD, SR, SY, TJ, TN, TM, TC, US, VU, VG, EH, ES, YE, ZW, ET BE, BR, KP, NZ, TR, US, CA, SG US, JP, NZ US, IL, BC, MB, QC, ON, AF, BY, BI, KH, KY, TD, KM, CG, CU, CD, GQ, ER, FJ, GN, GW, HT, IR, IQ, LA, LY, MZ, MM, NI, KP, PW, PA, RU, SO, SS, SD, SY, TT, TM, VU, VE, YE US, TR US, CA, IR


All Investment Apps in more detail

You can compare Investment Apps ratings, min deposits what the the broker offers, funding methods, platforms, spread types, customer support options, regulation and account types side by side.

We also have an indepth Top Investment Apps for 2026 article further below. You can see it now by clicking here

We have listed top Investment Apps below.

Spare Change Investment Apps List

IC Markets
(4/5)
Min deposit : 200
IC Markets was established in 2007 and is used by over 200000+ traders. Losses can exceed deposits IC Markets offers Forex, CFDs, Spread Betting, Share dealing, Cryptocurrencies. Cryptocurrency availability with IC Markets is subject to regulation.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT5, MT4, MetaTrader WebTrader, Mobile Apps, iOS (App Store), Android (Google Play), MetaTrader iPhone/iPad, MetaTrader Android Google Play, MetaTrader Mac, cTrader, cTrader Web, cTrader iPhone/iPad, cTrader iMac, cTrader Android Google Play, cTrader Automate, cTrader Copy Trading, TradingView, Virtual Private Server, Trading Servers, MT4 Advanced Trading Tools, IC Insights, Trading Central

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by International Capital Markets Pty Ltd (Australia) (ASIC) Australian Securities & Investments Commission Licence No. 335692, Seychelles Financial Services Authority (FSA) (SD018), IC Markets (EU) Ltd (CySEC) Cyprus Securities and Exchange Commission with License No. 362/18, Capital Markets Authority(CMA) Kenya IC Markets (KE) Ltd, Securities Commission of The Bahamas (SCB) IC Markets (Bahamas) Ltd
Roboforex
(4/5)
Min deposit : 10
Roboforex was established in 2009 and is used by over 730000+ traders. Losses can exceed deposits Roboforex offers Forex, CFDs.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, MT5, R Mobile Trader, R StocksTrader, WebTrader, Mobile Apps, iOS (App Store), Android (Google Play), Windows

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by RoboForex Ltd is authorised and regulated by the Financial Services Commission (FSC) of Belize under licence No. 000138/32, under the Securities Industry Act 2021, RoboForex Ltd is an (A category) member of The Financial Commission, also RoboForex Ltd is a participant of the Financial Commission Compensation Fund
eToro
(4/5)
Min deposit : 50
Visit eToro Try a Demo Read review

eToro is a multi-asset platform which offers both investing in stocks and cryptoassets, as well as trading CFDs.

Please note that CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 46% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work, and whether you can afford to take the high risk of losing your money.

This communication is intended for information and educational purposes only and should not be considered investment advice or investment recommendation. Past performance is not an indication of future results.

Copy Trading does not amount to investment advice. The value of your investments may go up or down. Your capital is at risk.

Crypto investments are risky and may not suit retail investors; you could lose your entire investment. Understand the risks here.

Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment, and you should not expect to be protected if something goes wrong. Take 2 mins to learn more.

eToro USA LLC does not offer CFDs and makes no representation and assumes no liability as to the accuracy or completeness of the content of this publication, which has been prepared by our partner utilizing publicly available non-entity specific information about eToro.

eToro was established in 2007 and is used by over 40000000+ traders. 46% of retail investor accounts lose money when trading CFDs with this provider. eToro offers Social Trading, Stocks, Commodities, Indices, Forex (Currencies), CFDs, Cryptocurrency, Exchange Traded Funds (ETF), Index Based Funds. Cryptocurrency availability with eToro is subject to regulation. Buying and selling real cryptocurrency assets may not be available in your country through eToro. Please check the latest information made available on their website.

Funding methods

Bank transfer Credit Card Paypal

Platforms

eToro Trading App, Mobile Apps, iOS (App Store), Android (Google Play), CopyTrading, Web

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by FCA (Financial Conduct Authority) eToro (UK) Ltd (FCA reference 583263), eToro (Europe) Ltd CySEC (Cyprus Securities Exchange Commission), ASIC (Australian Securities and Investments Commission) eToro AUS Capital Limited ASIC license 491139, CySec (Cyprus Securities and Exchange Commission under the license 109/10), FSAS (Financial Services Authority Seychelles) eToro (Seychelles) Ltd license SD076, eToro (ME) Limited (ADGM) Abu Dhabi (UAE) number 220073, eToro (Europe) Ltd (AMF) Autorité des marchés financiers as a digital assets provider France
XTB
(4/5)
Min deposit : 0
XTB was established in 2002 and is used by over 2000000+ traders. 70% - 80% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. XTB offers Forex, CFDs, Cryptocurrency. Cryptocurrency availability with XTB is subject to regulation.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, Mirror Trader, Web Trader, Tablet, Mobile Apps, iOS (App Store), Android (Google Play)

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by FCA (Financial Conduct Authority reference 522157) XTB Limited, CySEC (Cyprus Securities and Exchange Commission reference 169/12), DFSA (Dubai Financial Services Authority XTB MENA Limited licensed 8 July 2021), FSA (Financial Services Authority Seychelles license number SD148), FSCA (Financial Sector Conduct Authority XTB Africa (Pty) Ltd licensed 10 August 2021), KNF (Komisja Nadzoru Finansowego Polish Financial Supervision Authority)
XM
(4/5)
Min deposit : 5
XM was established in 2009 and is used by over 15000000+ traders. CFDs are complex instruments and come with a high risk of losing money rapidly due to leverage. 74.48% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. XM offers Forex Trading, Stocks CFDs, Commodities CFDs, Equity Indices CFDs, Precious Metals CFDs, Energies CFDs.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT5, MT5 WebTrader, XM Apple App for iPhone, XM App for Android Google Play, Tablet: MT5 for iPad, MT5 for Android Google Play, XM App for iPad, XM App for iOS (App Store), Android (Google Play), Mobile Apps

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account XM Swap-Free account (XM Ultra Low Account) VIP account
Regulated by Financial Sector Conduct Authority (FSCA) (49976) XM ZA (Pty) Ltd, Financial Services Commission (FSC) (000261/27) XM Global Limited, Cyprus Securities and Exchange Commission (CySEC) (license 120/10) Trading Point of Financial Instruments Ltd, Australian Securities and Investments Commission (ASIC) (number 443670) Trading Point of Financial Instruments Pty Ltd
Pepperstone
(4/5)
Min deposit : 0
Pepperstone was established in 2010 and is used by over 830000+ traders. 72-95 % of retail investor accounts lose money when trading CFDs Pepperstone offers Forex, CFDs, Social Trading.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, MT5, cTrader,WebTrader, TradingView, Windows, Mobile Apps, iOS (App Store), Android (Google Play)

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account Pro Account VIP account
Regulated by Financial Conduct Authority (FCA), Australian Securities and Investments Commission (ASIC), Cyprus Securities and Exchange Commission (CySEC), Federal Financial Supervisory Authority (BaFin), Dubai Financial Services Authority (DFSA), Capital Markets Authority of Kenya (CMA), Pepperstone Markets Limited is incorporated in The Bahamas (number 177174 B), Licensed by the Securities Commission of The Bahamas (SCB) number SIA-F217
AvaTrade
(4/5)
Min deposit : 100
AvaTrade was established in 2006 and is used by over 400000+ traders. 57% of retail investor accounts lose money when trading CFDs with this provider AvaTrade offers Forex, Cryptocurrencies, Commodities, Indices, Stocks, Bonds, Vanilla Options, ETFs, CFDs, Spread Betting, Social Trading. Cryptocurrency availability with AvaTrade is subject to regulation.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, MT5, Web Trading, AvaTrade App, AvaOptions, Mac Trading, AvaSocial, Mobile Apps, iOS (App Store), Android (Google Play)

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by Australian Securities and Investments Commission (ASIC) Ava Capital Markets Australia Pty Ltd (406684), South African Financial Sector Conduct Authority (FSCA) Ava Capital Markets Pty Ltd (45984), Financial Services Agency (Japan FSA) Ava Trade Japan K.K. (1662), Financial Futures Association of Japan (FFAJ) Ava Trade Japan K.K. (1574), Abu Dhabi Global Markets (ADGM) / Financial Regulatory Services Authority (FRSA) Ava Trade Middle East Ltd (190018), Central Bank of Ireland (C53877) AVA Trade EU Ltd, Polish Financial Supervision Authority (KNF) AVA Trade EU Ltd (branch authorisation), British Virgin Islands Financial Services Commission (BVI) Ava Trade Markets Ltd (SIBA/L/13/1049), Israel Securities Authority (ISA) ATrade Ltd (514666577), Financial Superintendence of Colombia (SFC 0261 of 2024), Investment Industry Regulatory Organization of Canada through Friedberg Direct (IIROC)
FP Markets
(4/5)
Min deposit : 100
FP Markets was established in 2005 and is used by over 200000+ traders. Losses can exceed deposits FP Markets offers Forex, CFDs, Bonds.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, MT5, TradingView, cTrader, WebTrader, Mobile Trader, Mobile Apps, iOS (App Store), Android (Google Play)

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by CySEC (Cyprus Securities and Exchange Commission) (371/18), ASIC AFS (Australian Securities and Investments Commission) (286354), FSP (Financial Sector Conduct Authority in South Africa) (50926), Financial Services Authority Seychelles (FSA) (SD 130)
EasyMarkets
(4/5)
Min deposit : 25
easyMarkets was established in 2001 and is used by over 250000+ traders. Your capital is at risk easyMarkets offers CFD, Forex, Commodities, Indices, Shares, Crypto. Cryptocurrency availability with easyMarkets is subject to regulation.

Funding methods

Bank transfer Credit Card Paypal

Platforms

easyMarkets App, Mobile Apps, iOS (App Store), Android (Google Play), Web Platform, TradingView, MT4, MT5

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by Easy Forex Trading Ltd is regulated by CySEC (License Number 079/07). Easy Forex Trading Ltd is the only entity that onboards EU clients, easyMarkets Pty Ltd is regulated by ASIC (AFS License No. 246566), EF Worldwide Ltd in Seychelles is regulated by FSA (License Number SD056), EF Worldwide Ltd in the British Virgin Islands is regulated by FSC (License Number SIBA/L/20/1135)
SpreadEx
(4/5)
Min deposit : 0
SpreadEx was established in 1999 and is used by over 60000+ traders. 62% of retail CFD accounts lose money SpreadEx offers Forex, CFDs, and spread betting.

Funding methods

Bank transfer Credit Card Paypal

Platforms

Web, Mobile Apps, iOS (App Store), Android (Google Play), iPad App, iPhone App, TradingView

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by FCA (Financial Conduct Authority) (190941), Gambling Commission (Great Britain) (8835), licence in Ireland as remote bookmaker for fixed odds betting licence number 1016176
FXPro
(4/5)
Min deposit : 100
FxPro was established in 2006 and is used by over 11200000+ traders. 74% of retail investor accounts lose money when trading CFDs and Spread Betting with this provider FxPro offers Forex trading, Share Dealing, Spot Indices, Futures, Spot Metals and Spot Energies.

Funding methods

Bank transfer Credit Card Paypal

Platforms

MT4, MT5, cTrader, FxPro WebTrader, FxPro Mobile Apps, iOS (App Store), Android (Google Play)

Customer support

Live chat Phone support Email support

Account Types

Micro account Standard account ECN account
Islamic account VIP account
Regulated by FCA (Financial Conduct Authority) (509956), CySEC (Cyprus Securities and Exchange Commission) (078/07), FSCA (Financial Sector Conduct Authority) (45052), SCB (Securities Commission of The Bahamas) (SIA-F184), FSA (Financial Services Authority of Seychelles) (SD120)

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Losses can exceed deposits
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Losses can exceed deposits