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Investing apps are the mobile version of an investment account’s platform which allows investors to buy and sell a range of investments (depending on provider) including, shares, bonds, ETFs, funds through a general investing account, stocks and shares ISA, SIPP or pension.

Best Investing Apps 2022

We have ranked Hargreaves Lansdown as the best investing app in our 2022 Awards. We have ranked, compared and reviewed some of the best FCA-regulated investing apps in the UK to help you choose the most appropriate investing app for your investment objectives. Our picks for the best investing apps are based on over 7,000 votes in our annual awards, our own experiences testing the accounts as well as an in-depth comparison of the features that make them stand out compared to alternatives.

Hargreaves Lansdown

Hargreaves Lansdown: Best investment app 2022

Winner of the best investing app in our 2022 awards the Hargreaves Lansdown is a good investing app for anyone from absolute beginners to experienced active investors as you get a huge amount of information, data, research, market access and order types. 

Pros:

  • Widest range of investment options
  • Low minimum investment of £1
  • Account fees from 0%-0.45%*
  • Excellent research and analysis

Cons:

  • Can be expensive for funds
*There is no account charge for shares. 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.

Interactive Investor

Interactive Investor: An excellent fixed-fee investment app

II is a good choice 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.

Pros:

  • DIY investing app
  • Low minimum deposit of £1
  • Fixed account fee of £9.99 per month

Cons:

  • Fixed fee is expensive for very small accounts
  • Limited pre-made portfolios
*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.

AJ Bell Youinvest

AJ Bell Youinvest: Best for low-cost app investing

AJ Bell Youinvest 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 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.

Pros:

  • Lowest account fee of 0.25%*
  • Lots of investment options
  • All account types covered

Cons:

  • High minimum deposit of £500
  • Not as many investments as HL or II
*Share account fees are capped at £3.50 a month. Dealing costs are £1.50 for funds and £9.95 for shares but drop to £4.95 where there were 10 or more online share deals in the previous month

Nutmeg

Nutmeg: Best investing app for beginners 

Owned by JP Morgan Nutmeg app is a great way to start investing with low to medium risk. The app is easy to use, and you don’t need to make investment decisions as there are pre-made portfolios to choose from.

Pros:

  • Managed portfolios
  • Very easy to use
  • Mid-range account fee from 0.75%*

Cons:

  • High minimum deposit of £500
  • Cannot invest in individual shares
*Nutmeg account fees drop to 0.35% for balances over £100k. There is an addition charged by the investment fund managers of around 0.2% and the market spread on buying and selling portfolios is on average 0.07%

Moneyfarm

Moneyfarm: Best app for simple risk-based portfolios

Moneyfarm is a digital wealth manager that aims to make personal investing simple and accessible. You can invest in any of their seven risk based portfolios through a stocks and shares ISA, a pension and a general investment account .

Pros:

  • Choose portfolios based on risk
  • Mid-range account fee of 0.75%*

Cons:

  • High minimum deposit of £500
  • Cannot invest in individual shares
*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%
Interactive Brokers

Interactive Brokers: Best app for international investing

Interactive Investors 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.

Pros:

  • Huge range of investment options
  • Excellent app for active investors
  • Zero account for for investing*

Cons:

  • Better for active traders
  • HQ’d in the US

*Minimum dealing commissions are £1 in the UK or 0.05% of the deal size.

IG

IG: Best app for a mixture of completed and simple investment options

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, then IG offers a very cheap way for you to include physical shares and funds in your portfolio without the need to run multiple accounts.

Pros:

  • £0 account fee investing*
  • International and UK shares
  • Smart portfolios

Cons:

  • Derivatives background
  • More suited to short-term trading
*There is zero commission on US share trades and just £3 on UK share trades when you trade three or more times a month. Standard dealing fees are £8 for UK and £10 for us shares. Smarrt Portfolio fees are 0.5% – capped at £250 per year. Fund managements charges are 0.13% and transaction costs are 0.09%.

Saxo Markets: Best app for experienced and professional investors

If you are a sophisticated investor and want to manage every aspect of your portfolio actively and need an established platform with some of the best pricing and execution around the Saxo Markets app is a good option.

Pros:

  • Excellent app for active investors
  • Direct market access investing 
  • £0 account fee*

Cons:

  • High minimum deposit of £500
  • Better suited for sophisticated investors
*Saxo Markets charges a commission based on 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.

Weathify

Wealthify: Invest from just £1

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.

Pros:

  • Managed account
  • £1 minimum deposit
  • Account fee from 0.6%*

Cons:

Cannot buy individual shares

*There are also investment costs of on average 0.16% for original plans and 0.7% for ethical plans. Capital at risk.

Which investing app is best for DIY investors?

We have ranked Hargreaves Lansdown as the best investing app for those that want to make their own investing decisions. HL offers some of the best analysis and research on it’s app, as well as stock screeners, buy and sell signals and company fundamentals. For longer-term investors, it also offers the widest range of funds and international markets.

Which investing app is best for managed accounts?

For those that want to take a passive approach to investing and buy into ready-made portfolios via an app, Nutmeg is our top pick. Nutmeg is now owned by JP Morgan so offers financial security and is very easy to use with four key portfolios to invest in from fixed, flexible, socially responsible and Smart Alpha.

Which investing app offers the most account types?

From our comparison of investing apps both Hargreaves Lansdown and AJ Bell Youinvest 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.

Which investing app has the most investment options?

Hargreaves Lansdown offers access to the most funds, UK and international shares, bonds and ETFs.

Which is the cheapest investing app?

AJ Bell Youinvest 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.

Compare Investing Apps

When you compare investing apps, you need to consider what you’re looking for from a provider. For some investors, a simple, low-cost share dealing account may be sufficient. Others, however, may need an account that offers access to investment research and advanced investing tools. In this comparison of investing apps, you can see which providers offer which different types of account:

Investing app FAQs:

Investing apps make money through commission 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.

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.

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.

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