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Richard Berry
- Updated
Compare Top Rated UK Investing Apps
Our comparison of UK investing and stock apps breaks down the different types of accounts available. You’ll also find out which apps let you pick your own investments and which ones offer accounts managed by professional fund managers.
| Investing App | Account Fee | Min Deposit | Customer Reviews | GMG Rating | More Info |
|---|---|---|---|---|---|
 | 0.25% (capped at £3.50 pm) | £500 | See App Capital at risk |
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 | Shares: £0 Funds: 0.45% | £1 | See App Capital at risk |
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 | 0.6% | £1 | See App Capital at risk |
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 | 0.75% | £500 | See App Capital at risk |
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 | £24 per quarter | £250 | See App* Capital at risk |
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 | From £4.99 a month | £1 | See App Capital at risk |
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 | £0 | £1 | See App Capital at risk |
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 | €10 per month or 0.12% | £1 | See App Capital at risk |
Our Picks Of The Best Investing Apps In The UK
Investing apps are the mobile version of an investment account’s platform. They let you buy and sell investments like shares, bonds, ETFs and funds through a general investing account, stocks and shares ISA, SIPP or pension.
Our experts have tested and ranked the UK’s best investment apps – all regulated by the FCA for your peace of mind.
Methodology: Good Money Guide chose the best UK investing apps based on:
- Real customer feedback: We analysed over 30,000 votes and reviews in the prestigious Good Money Guide annual awards
- Unbiased, real-world testing: Our team tests each investing app with real money to ensure you have a seamless and user-friendly experience
- In-depth feature comparison: We do a thorough comparison of features, highlighting those that make each app stand out from the competition
- Exclusive insights from the top: Our exclusive interviews with investing platform CEOs give you nsider perspectives and valuable information to help you make informed decisions
Good Money Guide’s Top Investment Apps:
- Wealthify: Start investing from just £1
- Saxo: Best investing apps for beginners & professional investors
- Interactive Investor: Excellent fixed-fee investing app
- AJ Bell: A great UK low-cost app investing for funds
- Hargreaves Lansdown: Great full-service UK investing app for DIY investors
- Moneyfarm: Excellent investing app for simple risk-based portfolios
- Interactive Brokers: Best app for international investing
- IG: Best UK app for a mixture of short & long-term investing
Wealthify: Invest From Just £1
- Investments: Pre-made portfolios
- Minimum deposit: £1
- Account types: GIA, ISA, Pension
- Account charge: 0.6% annual charge
- Dealing fee: £0
Good Money Guide Review
Product Name: Wealthify App
Product Description: Wealthify, part of the Aviva Group, lets you invest in either an original portfolio of investments from the UK and overseas or choose an ethical investment plan made from a blend of environmentally and socially responsible investments.
Capital at risk.
Is Wealthify a good app?
Yes, Wealthify has an excellent app, it’s not as good as the web version though as it’s easier to explore the risk and performance tables and choose a portfolio on a bigger screen.
Fees: It costs 0.6% to start investing with Wealthify, which is one of the cheapest robo-advisor general investment account fees. There are also investment costs of on average 0.16% for original plans and 0.7% for ethical plans.
Special Offer:
- £50 when you refer a friend – You can get a unique link when you have a funded Wealthify account to use to recommend them to friends. To get the £50 bonus, your friend needs to invest at least £250 for three months.
App:
Pros
- Managed portfolios
- Low minimum deposit of £1
- Low account fee of 0.6%
Cons
- Cannot trade individual shares or ETFs
-
Pricing
(5)
-
Market Access
(4)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(4.5)
Overall
4.7IG: Best UK App For A Mixture Of Short & Long-Term Investing
👍Featured👍
- Investments: Shares, ETFs, investment trusts & pre-made portfolios
- Minimum deposit: £250
- Account types: GIA, ISA, SIPP, derivatives
- Account charge: £24 per quarter
- Dealing fee: Shares £3 – £8
Good Money Guide Review
Product Name: IG Investing App
Product Description: IG’s investing app is a good choice if you are a regular trader and are more interested in high-risk products like CFDs and spread betting but also want to invest in the long-term. IG’s app offers a very cheap way for you to include physical shares and funds in your portfolio without the need to run multiple accounts.
Capital at risk
Is IG a good investing app?
You can invest with the IG app, but I would say it is more of a trading app than an investing app. IG offer to invest in a GIA, ISA and SIPP account, which can be used on mobile. If you like to trade and invest, then IG is a good choice to use as an investing app so you can have both types of accounts in one place. But, if you only want to invest (and not do higher-risk trading) then a stand-alone investing app like Hargreaves Lansdown, AJ Bell or Interactive Investor would be more appropriate.
Fees: IG charges a flat custody fee of £24 a quarter (£96 a year) for general investing accounts. However, if you have more than £15,000 in a Smart Portfolio managed fund or place over three trades per quarter that fee is waived. Standard dealing fees are £8 for UK and £10 for US shares. Smart Portfolio fees are 0.5% – capped at £250 per year. Fund management charges are 0.13% and transaction costs are 0.09%.
Special Offer:
- Free US stock investing – There is zero commission on US share trades and just £3 on UK share trades when you trade three or more times a month.
Investing App:
Pros
- Low-cost investing account
- UK & international shares
- Pre-made portfolios
Cons
- Also provides access to high risk investment products
-
Pricing
(5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(5)
Overall
5Saxo: Best Investing Apps For Beginners & Professional Investors
🏆Award Winner🏆
- Investments: Shares, ETFs, funds, bonds
- Minimum deposit: £1
- Account types: GIA, ISA, SIPP, derivatives
- Account charge: €10 per month or 0.12%
- Dealing fee: Shares 0.1% – 0.05%
Good Money Guide Review
Product Name: Saxo Investing App
Product Description: Saxo Markets investing app is a good choice if you are a sophisticated investor and want to manage every aspect of your portfolio actively and need an established platform. Saxo Markets app also has some of the best pricing and order execution types, meaning you can work large orders on the move as well as from their standard desktop platform.
Capital at risk.
Is Saxo's investing app good for longer term investors?
Saxo’s SaxoInvestor app won “Best Investing App” in our 2024 awards as it helps connect new and beginner investors through a simple interface to one of the most advanced platforms in the industry.
Saxo apps are a good choice if you are a sophisticated investor and want to manage every aspect of your portfolio actively and need an established platform. Saxo Markets app also has some of the best pricing and order execution types, meaning you can work large orders on the move as well as from their standard desktop platform.
Even though Saxo is traditionally a trading platform for short-term speculation on the markets going up or down. It is also an excellent choice for longer-term investors as Saxo is a very well-capitalised company, heavily regulated in the UK and all the regions they operates in, and has excellent customer service for small and large customers.
Fees: Saxo Markets charge EUR10 a month or 0.12% a year based on the value of your portfolio (depending on which is higher). If you have a VIP account this fee is reduced to 0.08%. Dealing charges are commission based as a percentage of transaction size. They are very competitive, though and UK shares trading commission starts at 0.1% (£100 if you buy £100,000 worth of stock) and drops to 0.05% for more active traders.
Special Offers:
- Platinum – if you have £200,000 or more on account, you can apply for 30% lower transaction and account costs.
- VIP – For accounts with portfolios over £1m, you get even better pricing, direct connection to experts, 1:1 SaxoStrats access and propriety event invitations.
Investing App:
Pros
- Direct market access
- Excellent platform
- Low commissions
Cons
- May be too complicated for beginners
- Subscription fees for live pricing
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Pricing
(5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(5)
Overall
5Interactive Investor: An Excellent Fixed-fee Investing App
- Investments: Shares, ETFs, bonds & funds
- Minimum deposit: £1
- Account types: GIA, ISA, SIPP, JISA
- Account charge: Shares £0, funds 0.45%
- Dealing fee: £3.99 – £5.99
Good Money Guide Review
Product Name: Interactive Investor App
Product Description: Interactive Investor is a good investing app for active investors who want to make their own investment decisions and will be adding a lot of funds as well as shares to their portfolio as fees are capped. II’s app also has a wide range of news and analysis with a particular focus on educational videos and investment editorials.
Capital at risk
Is Interactive Investor's app any good and is it safe?
Interactive Investor’s app is one of the best ways to invest on mobile based on our matrix as it has loads of research, screeners and market data. It’s also safe and secure as it’s regulated by the FCA. Plus as Interactive Investor is regulated by the FCA and owned by ABRDN, an LSE-listed company currently worth £2.7bn, the II investment app is one of the safest around.
Fees: It costs £9.99 a month for a general investing account with Interactive Investor. Dealing commissions are a free trade every month, then UK Shares and Funds, US Shares charged £7.99 or upgrade to a £19.99 “Super Investor” account 2 free monthly trades and deal for £3.99. Regular investing is free.
If you want level-2 pricing, you can also add Quotestream for £20 per month.
Special Offers:
- One free trade per month – One buy or sell order is free every month, after that, the cost is between £3.99 and £5.99 depending on what plan you are on.
- Free investing for your friends and family – You can give up to five people a free investment account subscription with Interactive Investor’s Friends and Family plan. You pay a single extra fee of £5 a month, and their monthly cost is zero. Each member can invest up to £30,000 in an ISA or a general investing account with free regular investing and no account fees. However, they will still pay normal dealing commissions when they buy and sell investments.
- Get £200 when you refer a friend to Interactive Investor – Recommend a friend or family member to ii and get a £200 reward. Your friend will get their first year’s service plan for free – saving £120. To qualify, your friend must transfer or fund their account with at least £10,000 in combined cash/investments. However, your friend will not receive the usually monthly free trade.
App:
Pros
- Pick your own investments or use their model portfolios
- £1 minimum deposit makes it easy to get started
- Fixed account fee that does not increase with your investments
- Joint account options
Cons
- Fixed fee expensive for very accounts below £1,000
- No Lifetime ISA account
- No Junior SIPP account
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Pricing
(5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(5)
Overall
5AJ Bell: Best UK Low-Cost App Investing
- Investments: Shares, ETFs, bonds & funds
- Minimum deposit: £500
- Account types: GIA, ISA, SIPP, JISA, JISA, JSIPP
- Account charge: 0.25% annual charge
- Dealing fee: Shares £3.50 – £5, funds £1.50
Good Money Guide Review
Product Name: AJ Bell Investing App
Product Description: AJ Bell’s investing app is a good choice for anyone who is more interested in keeping costs at a bare minimum whilst still having access to a huge range of markets and account types. It’s not quite as suitable for very active investors as II and HL due to the lack of execution order types, but for those who just want to build a portfolio without trying to time the market too much, it is a very good option.
Capital at risk
Are AJ Bell investing apps as good as the main platform?
AJ Bell does have an investing app, which is a good way of checking on your investments when out and about. But, I have to say, it’s a bit clunky compared to full-service brokers like Interactive Brokers or even new apps like CMC Invest. It’s not as good as the main website, as you don;t get the full screeners or research, plus it’s an absolute pain to log in to as for some reason it seems to always wipe my login info.
Fees: AJ Bell charges 0.25% of the value of your for a general investment account, but share account fees are capped at £3.50 a month. Dealing costs are £1.50 for funds and £5 for shares but drop to £3.50 where there were 10 or more online share deals in the previous month
Special Offers:
- Recommend a friend, and you’ll both get £100 gift vouchers – When you recommend a friend to AJ Bell who invests more than £10,000 in a SIPP or ISA, you and your friend can get One4All gift vouchers worth £100.
- Switch your share dealing account and receive up to £500 to cover exit fees – If you transfer your share dealing general investment account valued at more than £20,000 to AJ Bell they will help cover any exit fees charged by your current provider. They will cover £35 per investment moved and up to £100 for general exit fees, up to an overall maximum of £500 per person.
- Free subscription to Shares Magazine worth £220
Get a free subscription to Shares (worth over £220 per year) by maintaining a balance of £4,000 or more across your AJ Bell investing accounts.
App:
Pros
- Pick your own shares, funds and bonds or use their investing ideas
- Low account fees capped at £3.50 a month for shares
- Lots of account types
Cons
- High phone dealing charges
-
Pricing
(5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(5)
Overall
5Hargreaves Lansdown: Great UK Investing App For DIY Investors
- Investments: Shares, ETFs, bonds & funds
- Minimum deposit: £1
- Account types: GIA, ISA, SIPP, JISA, JISA, JSIPP
- Account charge: Shares £0, funds 0.45%
- Dealing fee: Shares £5.95 – £11.95, funds £0
Good Money Guide Review
Product Name: Hargreaves Lansdown Investing App
Product Description: We have ranked Hargreaves Lansdown as the best investing app in our 2022 Awards. Hargreaves Lansdown wins best investing app in our 2022 awards the because it is suitable for anyone from absolute beginners to experienced active investors as you get a huge amount of information, data, research, market access and order types.
Capital at risk
Is your money safe in the Hargreaves Lansdown app?
Yes, Hargreaves Lansdown’s investing app is one of the best and most secure apps for investing as they are authorised and regulated by the FCA (Financial Conduct Authority)
Fees: There is no account charge for shares in a general investment account with Hargreaves Lansdown. Funds are charged at 0.45% for the first £250,000. There is no charge for buying funds, but shares are charged at £11.95 per deal or £5.95 if you do over 20 deals per month.
App:
Pros
- Thousands of UK and international shares, bonds & funds
- Ready-made portfolios with different levels of risk
- Excellent research and analysis
- An established and listed company on the LSE.
Cons
- Can be expensive for large fund portfolios
-
Pricing
(4.5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(5)
Overall
4.9Moneyfarm: Best Investing App For Simple Risk-Based Portfolios
- Investments: Pre-made portfolios
- Minimum deposit: £500
- Account types: GIA, ISA, Pension, JISA
- Account charge: 0.75% annual charge
- Dealing fee: £0
Good Money Guide Review
Product Name: Moneyfarm Investing App
Product Description: As a robo-advisor, Moneyfarm’s digital wealth management investing app makes personal investing simple as you don’t have to pick your own investments. You just decide how much risk you want to take. You can invest in any of their seven risk-based portfolios through a stocks and shares ISA, a pension or a general investment account.
Capital at risk.
Is your money safe in the Moneyfarm app?
Yes, the Moneyfarm app connects to all their accounts and lets you view your portfolio balance and performance whilst on the move. As Moneyfarm is a fairly passive investment account and not that complicated, you can also use the app for making deposits and choosing investment portfolios.
Fees: Moneyfarm investing account fees are scaled between 0.75% for accounts between £500 and £50,000, then above £100k are 0.45% to 0.35%. Average investment fund fees are 0.2% and the average market spread when buying and selling is 0.10%.
App:
Pros
- Risk-based portfolios
- Low-cost investing
- Easy-to-use
Cons
- Limited amount of individual shares
- No US shares available
-
Pricing
(5)
-
Market Access
(4)
-
Online Platform
(5)
-
Customer Service
(5)
-
Research & Analysis
(4)
Overall
4.6Interactive Brokers: Best App For International Investing
- Investments: Shares, ETFs, bonds & funds
- Minimum deposit: £1
- Account types: GIA, ISA, SIPP, derivatives
- Account charge: £0
- Dealing fee: Shares £1 – 0.05%
Good Money Guide Review
Product Name: Interactive Brokers Investing App
Product Description: Interactive Brokers GlobalTrader app is an excellent choice for investors who are just starting out (as it is so cheap) but will become larger and more sophisticated as their portfolio grows and want to access more sophisticated investment products. You can access thousands of markets around the world and have a wide range of investing tools. A good choice for most types of investors.
Capital at risk
How may apps does Interactive Brokers (IBKR) have?
Interactive Brokers has some of the best trading apps, including IBKR mobile for experienced traders, IBKR GlobalTrader for retail traders and IMPACT for ethical investors.
Fees: There is no account charge for general investment accounts at Interactive Brokers. When you buy and sell shares minimum, dealing commissions are £1 in the UK or 0.05% of the deal size.
Special Offers:
- $200 when you refer a friend to Interactive Brokers – IBKR clients can “Refer a Friend” and earn USD 200 for each qualified referral while giving their friend the opportunity to earn up to USD 1000 of IBKR stock.
IBKR App:
Pros
- Excellent market coverage
- Advanced investment platform
- Low-cost investing
Cons
- Customer service can be hard to contact
-
Pricing
(5)
-
Market Access
(5)
-
Online Platform
(5)
-
Customer Service
(4)
-
Research & Analysis
(5)
Overall
4.8Which Investing App Gives You The Most Market Access?
Hargreaves Lansdown offers access to the most funds, UK and international shares, bonds and ETFs.
You can see here how many investments different UK investment apps offer.
| Platform | DIY or Managed | UK Shares | Funds | ETFs | Bonds | US Shares | Derivatives |
|---|---|---|---|---|---|---|---|
| Hargreaves Lansdown | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Interactive Investor | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ |
| Interactive Brokers | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| AJ Bell | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ |
| Saxo | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| IG | DIY | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Moneyfarm | Managed | ✔️ | ✔️ | ❌ | ❌ | ❌ | ❌ |
| Wealthify | Managed | ❌ | ✔️ | ❌ | ❌ | ❌ | ❌ |
| Investengine | Both | ❌ | ✔️ | ✔️ | ❌ | ❌ | ❌ |
Which Investment App Has The Most Account Types?
From our expert comparison of investing apps in the UK both Hargreaves Lansdown and AJ Bell offer access to the full suite of account types including a general investment account, SIPP, ISA, Junior ISA, Junior SIPP and Lifetime ISA. However, we rank Hargreaves Lansdown as the investing app with the most account types as they also offer cash savings though their Active Savings product.
| Account Types | GIA | ISA | SIPP | Pension | Junior ISA | Junior SIPP | Lifetime ISA |
|---|---|---|---|---|---|---|---|
| Hargreaves Lansdown | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| AJ Bell | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ |
| Interactive Investor | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ |
| Interactive Brokers | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ❌ |
| IG | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ❌ |
| Saxo | ✔️ | ✔️ | ✔️ | ✔️ | ❌ | ❌ | ❌ |
| Wealthify | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ✔️ | ❌ |
| Investengine | ✔️ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ |
| Moneyfarm | ✔️ | ✔️ | ❌ | ❌ | ❌ | ❌ | ❌ |
⚠️ FCA Regulation
All investing apps that operate in the UK must be regulated by the FCA. The FCA is the Financial Conduct Authority and is responsible for ensuring that UK investment apps are properly capitalised, treat customers fairly and have sufficient compliance systems in place. We only investing apps that are regulated by the FCA, where your funds are protected by the FSCS.
Investing App FAQs:
Only investing apps that are regulated by the FCA are safe. If you invest with an FCA-regulated investing app your funds are covered up to a certain amount by the FSCS.
However, as will all investing your investments are not safe from losing money if you pick a poorly performing fund or bad stocks.
- Further reading: Are investing apps safe?
Yes, investing apps are an essential tool for making and maintaining a successful portfolio. Everyone should download an investing app as soon as possible. Investing apps provide a very low cost and often free way to start investing. By starting small and early you can use compounding returns to maximise your investments for later on in life.
Investing apps, are particularly worth it if you have a small starting balance, a five-year + investment time frame and are prepared to take some risk to get better returns than in savings accounts.
Even if you are a large investor, that uses your brokers main platform investing apps provide an excellent way to remain connected to the markets and check on performance wherever you are.
However, there is a downside to investment apps. Because you have constant access to your long-term investments, you may be tempted to buy and sell on a more regular basis. Which is more of a trading strategy, rather than investing.
Investing apps make money through commissions when customers buy and sell investments as well as account charges. You can see a comparison of account charges and commission in our investment account comparison table.
Investing apps, are different to trading apps, in that investing apps are for long term capital growth where you can invest in normal investing accounts, stocks and shares ISAs and SIPPs, whereas trading apps are more for short term speculation like financial spread betting and CFDs.
Yes, generally investing apps are free to download from the relevant app stores. The providers of the investment apps will charge for the services that are on offer through the app. This charge is usually deducted from your investment account, rather than charged through an app store.
If an investing app is trying to charge you to download it beware, as it may be a scam.
Yes, you can make money with an investing app. However, when investing you only make money if you choose good investments. the value of any investment can go up as well as down.
Investing apps connect to investment platforms and allow you to monitor your portfolio and make trades on the go via devices such as smartphones and tablets. All you need is your device and an internet connection. The key advantage of apps is the level of convenience they provide – you can invest wherever you are and react quickly to opportunities if you need to.
AJ Bell is the cheapest investing app, with account fees starting from 0.25%. It is important to note that some other investing apps like IG and Interactive Brokers offer free investing accounts, but as they are primarily derivatives platforms they have been discounted from this comparison.
This article contains affiliate links which may earn us some form of income if you go on to open an account. However, if you would rather visit the provide via a non-affiliate link, you can view the product pages directly here: