Finding the Best Investing App UK is key to managing your personal finance and growing wealth in 2025. With the rise of mobile investing, UK apps like eToro, Trading 212, and InvestEngine make it easy for beginners and seasoned investors to trade stocks, ETFs, and more from their phones. These apps offer low fees, user-friendly interfaces, and tools like robo-advisors or copy trading, helping you build wealth efficiently. This article explores the top investing apps in the UK, their features, fees, and how they support your financial goals, based on recent trends and user feedback.
Why Use an Investing App?
Investing apps simplify stock market basics, letting you manage portfolios on the go. They’re ideal for beginners who want to start with small amounts, like £1, and for experienced investors seeking advanced tools. Benefits include:
- Accessibility: Trade anytime, anywhere with as little as £1.
- Low Costs: Many apps, like Trading 212, offer commission-free trading, saving 0.5–1% per trade compared to traditional brokers.
- Education: Apps like eToro provide tutorials and social trading features to learn from experts.
- Automation: Robo-advisors like Wealthify manage portfolios for you, ideal for hands-off investors.
- Tax Efficiency: Most apps support Stocks and Shares ISAs, letting you earn tax-free returns up to £20,000 annually.
Top 5 Best Investing Apps in the UK for 2025
Here are five top-rated investing apps for UK investors, based on fees, features, and user reviews from sources like Trustpilot and Which?. All are FCA-regulated and FSCS-protected up to £85,000.
1. eToro: Best for Social Trading
- Overview: eToro, with 30 million users globally, is a social trading platform offering stocks, ETFs, and cryptocurrencies. Its CopyTrader feature lets you mimic top investors’ trades for free.
- Key Features: Zero-commission stock trading, 0.75% FX fee for non-USD trades, access to US/UK/EU markets, and a $100,000 demo account.
- Fees: No platform fee; $5 withdrawal fee; 0.75–0.25% FX fee based on transaction size.
- Best For: Beginners and those interested in learning from others via social trading.
- Trustpilot Score: 4.4/5 from 20,000+ reviews.
- Why Choose It: CopyTrader and Smart Portfolios (themed funds like BigTech) make it easy to diversify. Ideal for those exploring stocks and crypto.
2. Trading 212: Best for Commission-Free Trading
- Overview: Trading 212 offers commission-free trading on stocks and ETFs, with a £1 minimum investment. It’s user-friendly and supports ISAs.
- Key Features: Fractional shares, ETF investment plans from £15, and a discover tab for themed investments (e.g., Clean Energy).
- Fees: No platform, dealing, or ISA fees; 0.15% FX fee for foreign trades.
- Best For: Cost-conscious beginners and ETF investors.
- Trustpilot Score: 4.6/5 from 25,000+ reviews.
- Why Choose It: Zero fees and fractional shares make it accessible for small budgets. No SIPP option is a drawback.
3. InvestEngine: Best for ETF Investors
- Overview: InvestEngine specializes in ETFs, offering commission-free DIY portfolios and managed options. It’s a Which? Recommended Provider for 2025.
- Key Features: 500+ ETFs, no setup or withdrawal fees, and managed portfolios with 0.25% platform fee.
- Fees: No fees for DIY portfolios; 0.25% for managed portfolios; fund fees 0.06–0.90%.
- Best For: Investors focused on low-cost ETFs and diversification.
- Trustpilot Score: 4.5/5 from 3,000+ reviews.
- Why Choose It: Low fees and ETF focus make it ideal for long-term investors. Limited to ETFs, so no individual stocks or bonds.
4. Wealthify: Best for Hands-Off Investing
- Overview: Wealthify, backed by Aviva, is a robo-advisor offering managed portfolios from £1. It’s great for beginners who prefer automation.
- Key Features: Choose risk levels (Cautious to Adventurous), invest in ISAs or pensions, and access ethical funds.
- Fees: 0.6% platform fee, 0.15–0.70% fund fees, and market spread costs.
- Best For: Passive investors seeking managed portfolios.
- Trustpilot Score: 3.8/5 from 2,500+ reviews.
- Why Choose It: Simple setup and low entry point suit beginners, but fees are higher than DIY apps.
5. AJ Bell Dodl: Best for Simplicity
- Overview: Dodl, by AJ Bell, offers a low-cost app with ready-made themed funds and a 4.6/5 Trustpilot score from 350+ reviews.
- Key Features: Invest in ISAs, LISAs, or pensions from £1; simple interface with curated funds.
- Fees: 0.75% platform fee, 0.15–0.45% fund fees; no dealing charges.
- Best For: Beginners wanting a straightforward app with tax-efficient accounts.
- Why Choose It: Easy-to-use with low minimums, but limited investment options compared to eToro.
How to Choose the Best Investing App UK
Selecting the right app depends on your goals, experience, and budget:
- Investment Goals: For long-term growth, choose apps like InvestEngine for ETFs or Wealthify for managed portfolios. For active trading, eToro’s tools shine.
- Experience Level: Beginners benefit from eToro’s social features or Dodl’s simplicity; advanced investors may prefer IG’s pro-grade tools.
- Risk Tolerance: Conservative investors can opt for Wealthify’s cautious portfolios; risk-takers may like eToro’s crypto options.
- Account Types: Ensure the app offers ISAs or pensions for tax benefits. Trading 212 and XTB lack SIPPs, a drawback for retirement planning.
Risks to Consider
- Market Risk: Investments can lose value; 51–71% of CFD traders lose money, per FCA warnings.
- Fees: High fees (e.g., 0.75% on Dodl) erode returns. Compare fees carefully.
- Limited Options: Some apps, like InvestEngine, focus on ETFs, limiting stock or bond access.
- Security: Choose FCA-regulated apps with two-factor authentication and FSCS protection.
Best Investing App UK and Personal Finance
Choosing the Best Investing App UK supports personal finance by making investing accessible and cost-effective. Saving £50 monthly via a grocery bill calculator and investing it through Trading 212 at 7% could yield £17,000 in 20 years, funding retirement or a home deposit. Apps align with financial discipline, encouraging consistent saving and long-term growth.
Conclusion
The Best Investing App UK for 2025 depends on your needs: eToro for social trading, Trading 212 for zero fees, InvestEngine for ETFs, Wealthify for automation, or Dodl for simplicity. All are FCA-regulated, user-friendly, and support small investments. Start with a budget, use calculators to plan, and diversify to grow wealth safely. Pick an app today to take control of your financial future.
