Today’s investment apps have revolutionized the way people build and manage their portfolios, offering an accessible entry into the world of finance. With just a few taps, investors of all experience levels can buy stocks, track their portfolios, or even automate their investment strategies, usually with low fees. These apps provide a convenient way to explore new asset classes, set financial goals, and grow wealth over time.
To help you find the best investment apps for your needs, this article describes Mintos and several other European investment apps and how they may differ in features, fees, and investor profiles. Whether you’re just starting out or looking for advanced tools, this guide could be helpful in selecting an app that aligns with your financial goals.
If you’re new to investing, start by reading up on the essentials with our guides on Investment Basics and Investing for Beginners. Now, let’s explore the world of investment apps.
Disclaimer
This article includes references to and comparisons with other investment platforms. Such comparisons are illustrative, based on publicly available information as at 04.09.2026, and are not intended as an exhaustive or independent ranking. Each platform has different features, target clients, regulatory status, and product scope; readers should evaluate any platform on the basis of their own circumstances.
This is a marketing communication and in no way should be viewed as investment research, investment advice, or recommendation to invest. The value of your investment can go up as well as down. Past performance of financial instruments does not guarantee future returns. Investing in financial instruments involves risk; before investing, consider your knowledge, experience, financial situation, and investment objectives.
What to look for in an investment app
Choosing the right investment app will allow you to build a portfolio that aligns with your needs. While many apps offer a similar core function, giving users access to a range of investment options, their features, fees, and overall approach can vary widely.
1. Ease of use
For both beginners and experienced investors, a user-friendly interface makes a world of difference. Apps designed with beginners in mind typically prioritize simplicity, with straightforward navigation and tools.
- Fees and costs
Investment fees can add up, especially for frequent traders or those with smaller portfolios. Look for low-fee investment apps that either eliminate fees entirely or offer transparent, reasonable rates. Some apps offer zero-commission trades, while others may charge a small fee per transaction. For long-term investors, fee differences can compound and affect overall costs over time.
- Automation and robo-advisor options
Automation can be useful for investors who prefer a more hands-off approach. Some apps include robo-advisor or auto-invest features that allocate funds and reinvest any income generated according to user-defined criteria.
For more on how automated investing works, check out this guide.
- Educational tools
If you’re new to investing or want to expand your knowledge, look for investment apps with educational tools. Many apps offer in-app tutorials, articles, and even courses.
The Mintos blog also publishes general educational material on investing.
- Safety and security
Investment apps typically use measures such as encryption and two-factor authentication and operate under the supervision of national regulators. Investors should review each provider’s regulatory status and security disclosures before opening an account.
European investment apps in 2026
With so many investment apps available, finding the right one depends on factors like costs, investment variety, and the level of support for different types of investors. Here’s a look at some investment apps available in Europe in 2026, ranging from beginner-friendly platforms to tools designed for more advanced or experienced investors.
Mintos
Overview: Mintos is an investment platform licensed under MiFID II. With Mintos, you get a platform that’s both accessible and robust, combining advanced features with a straightforward user experience.
Mintos provides a broad selection, including ETFs, loans, bonds, Smart Cash, and passive real estate investments. This wide range of options may suit investors looking for both diversity and high-yield investment apps.
Features: Mintos offers auto-invest functionality, which lets users define criteria under which available funds are automatically allocated to investments matching those criteria. Income generated by investments, if any, can be set to reinvest automatically. The Mintos mobile app allows users to monitor and manage their portfolio on the go.
Fees: Mintos keeps costs low, offering a low-fee investment app experience without compromising on quality. This cost-effective model makes Mintos especially appealing for those wanting to keep more of their returns.
Best for: Whether you’re a small investor starting with just a few euros or a seasoned pro, Mintos has something to offer. Its flexibility, diverse asset range, and intuitive features make it a powerful, well-rounded option.
Revolut
Overview: Revolut is a mobile investing app offering a range of financial services, including investing, from one platform. It has no minimum deposit requirement, making it accessible for those starting with smaller amounts.
Features: Revolut offers stocks (listed on US and EU markets), exchange-traded products (ETPs), American Depositary Receipts (ADRs), and bonds. The app includes educational resources to help users understand investing basics.
Fees: Revolut offers commission-free trading up to a monthly limit, with additional trades incurring fees.
Best for: Investors looking to start with small amounts and access a range of global stocks and fixed-income securities.
Trade Republic
Overview: Trade Republic appeals to those looking for a simple, low-cost way to start investing. With no minimum deposit, it’s accessible for small investors who want to explore the market with modest investments.
Features: This app emphasizes straightforward investing, with a clean, minimalist interface that suits beginners and casual investors. While it doesn’t offer features like robo-advisors, its simplicity makes it a solid choice for those seeking investment apps with no minimum deposit and low barriers to entry.
Fees: Trade Republic has minimal fees, charging only a small transaction fee per trade, which keeps costs manageable for investors who want to maximize returns on a budget.
Best for: Trade Republic is ideal for small investors or those who want a no-fuss way to buy stocks and ETFs without worrying about high minimums or complex setups.
Scalable Capital
Overview: Known for its focus on long-term, diversified strategies, Scalable Capital offers users a way to invest passively while still retaining some control over asset choices.
Features: The app offers comprehensive planning resources, making it an option for investors who want a hands-off approach. This setup appeals to those weighing robo-advisors vs. investment apps and seeking a balance between automated management and personal choice.
Fees: Scalable Capital offers predictable fees with subscription packages, which can be more cost-effective for users investing larger amounts.
Best for: Scalable Capital suits those who prefer investment apps for passive income and want a more structured way to manage their portfolios.
Saxo Bank
Overview: Saxo Bank is an established investment platform offering two platforms tailored to different investor needs. Users automatically get access to both and can switch between them depending on their preferences.
Features: SaxoInvestor is an all-in-one platform designed for straightforward investing, with portfolio overview, analysis tools, and educational content. It covers stocks, bonds, mutual funds, and ETFs. SaxoTrader is an advanced platform with detailed analytics, complex charting, and access to the full product range. Both platforms are available on web, mobile, and desktop.
Fees: Saxo Bank’s pricing structure includes transaction fees, account fees, and minimum investment requirements.
Best for: Investors seeking access to a broad range of global assets and different levels of platform sophistication, from straightforward investing to advanced trading tools.
Information about third-party platforms (including features, fees, minimum deposits, and product availability) was last verified on 04.09.2026 and may change at any time. Before relying on any information about a third-party platform, please consult that platform’s official website and current terms and conditions directly. Mintos does not control and is not responsible for the accuracy of third-party information after the verification date.
Pros and cons of using investment apps
As convenient as investment apps are, they come with both benefits and drawbacks. Understanding these can help investors make informed decisions about which platform may suit their circumstances.
Pros
- Flexibility in investment amounts
Many investment apps let users start with small amounts, which can make investing more accessible. The minimum amount needed to begin varies by platform and by product.
- Real-time portfolio management
One of the main advantages of mobile investing apps is the ability to track and adjust investments in real time. Notifications, market updates, and quick access allow users to stay informed and make timely adjustments from anywhere.
- Enhanced learning opportunities
Many apps include resources that teach users how to invest, analyze markets, and manage portfolios, making investment apps with educational tools valuable for those looking to grow their financial knowledge as they invest.
- Cost-effective passive income generation
Auto-invest features let investors automate the allocation of funds and the reinvestment of any income generated, according to user-defined criteria. Such features do not guarantee returns; investments may also lose value.
Cons
- Limited personal guidance
While some apps offer robo-advisors, many lack the personalized support found with traditional advisors. This can be a drawback for those who prefer one-on-one financial advice, especially for complex financial situations.
- Potential for overtrading
The convenience of mobile investing apps can sometimes encourage impulsive trading, which may be risky for inexperienced investors. Without careful planning, users might make decisions based on market fluctuations rather than a solid long-term strategy.
- Restricted investment options
Product availability varies by platform and not every app offers the same range of asset classes. Investors should check an investment platform’s current product list to see it offers the specific investments they’re interested in.
- Security and privacy concerns
Most regulated investment platforms use security measures such as encryption and two-factor authentication, but no system eliminates the risk of data breaches entirely. Investors should consider each platform’s security disclosures and regulatory status.
What Mintos offers for your investment goals
Whether you’re interested in investment apps for passive income, beginner-friendly tools, or advanced features, Mintos offers a versatile platform that aligns with a variety of investment goals. With its unique range of assets, low fees, and choices of automated investing, Mintos stands out as a comprehensive choice for anyone looking to build and manage wealth efficiently.
Mintos is a regulated investment platform licensed by Latvijas Banka that gives European retail investors access to multiple investment options.
✓ Start from €50: Diversify with products designed to suit different goals and preferences, with low entry points and clear risk profiles
✓ Multiple asset classes: A wide range of options are available such as loans, bonds, real estate, ETFs, crypto ETPs, and Smart Cash
✓ Choose your approach: Choose automated portfolios, hand-pick individual investments, or combine both, if suitable
✓ Flexible access: Sell on the Secondary Market at any time, subject to demand
Developed by the Mintos Content Team, making investment knowledge accessible for everyday investors across Europe.
