Най -добрите приложения за инвестиции 2025

Investing apps are a must if you want to invest in the stock markets. Not only do they allow you to check the value of your portfolio with the click of a button, but you can also enter buy and sell positions from anywhere.

This ensures that you never miss an investment opportunity or a chance to get out of a losing trade. But with so many free investment apps on the market, how do you know which one to choose?

In this guide, we explore the best investment apps for 2025. We also discuss some of the key factors you should research before choosing a provider, such as those related to fees, commissions, tradable shares, regulation, and payments.

Start investing with the eToro app in 4 simple steps

Get started with the eToro app by following the 4 easy steps outlined below.

{etoroCFDrisk} % от сметките на инвеститорите на дребно губят пари при търговия с CFD (догвори за разлика)

The best investment apps for 2025

There are now hundreds of free investment apps to choose from, so choosing the best one for you isn’t always easy. Luckily, we’re here to help, whether you’re looking for the best investment apps for iPhone or the best investment apps for Android.

To narrow our list of selected providers down to just five, we focused on the following requirements when conducting our investment app reviews:

• The application must be regulated by a first-tier regulator such as the Financial Conduct Authority (FCA), the Australian Securities and Investments Commission (ASIC), or the Securities and Exchange Commission (SEC).
• Fees and commissions must be competitive
• You must be able to deposit and withdraw funds with everyday payment methods – such as debit/credit cards
• The app should give you access to tons of stocks from different markets
• The user experience should allow you to buy and sell stocks seamlessly

With that in mind, below we outline the best investment apps for 2025.

1. eToro – Overall the best investment app in the UK and US

eToro is a market leader in the ever-growing investment app arena. Launched in 2007, this investment app has since attracted a loyal customer base of over 12 million investors. It is divided into a main desktop website and a mobile app. The latter can be downloaded for free on Android and iOS devices.

If your phone is outside of the aforementioned operating systems, you can access eToro through your mobile web browser. However, eToro stands out from the crowd because it allows you to invest in stocks. It’s also our top pick as one of the best mutual fund apps on the market for this reason. There are no sign-up fees, nor will you have to pay a monthly or annual subscription. As such, the eToro investment app is as competitive as it gets in the global stock market arena.

In terms of what you can invest in, eToro supports 17 international markets. In total, this covers over 1700+ stocks. You will be able to invest in companies registered in the US, UK and Canada, as well as markets based in Hong Kong, Australia, Germany and more. In particular, the eToro investment app is popular with beginners. This is because it only takes a few minutes to open an account, and the layout of the app makes it super easy to buy the stocks you want. Getting money into your eToro account is also easy.

For example, you can instantly deposit funds with a debit/credit card or e-wallet. If you deposit in a currency other than USD, you will pay a small conversion fee of 0.5%. You will also need to meet a minimum deposit of $200, although the app allows you to invest from as little as $50 per share. We should also mention the Copy Trading feature found in the app, which allows you to mirror an experienced stock investor. For example, if the investor has 10% of their portfolio in IBM shares, your portfolio will follow suit.

This is especially useful if you want to access the global stock markets but have no idea how things work. Best of all, there are no additional fees for using the Copy Trading feature and you can invest from as little as $200. In terms of safety, eToro is highly regulated. This includes licenses with three top authorities – FCA (UK), ASIC (Australia) and CySEC (Cyprus). Finally, eToro is available in most US states for investing in stocks – but you won’t be able to engage in short selling.

Still not convinced about the eToro investment app? Read our extensive eToro app review to learn more about what this app has to offer.

Advantages

Disadvantages​

{etoroCFDrisk} % от сметките на инвеститорите на дребно губят пари при търговия с CFD (догвори за разлика)

2. Libertex – Enhance your mobile investing experience

< Libertex was founded in 1997, which gives them many years of experience. They are regulated by CySEC, which makes them a completely safe broker. It is not only investors who think that Libertex is a good platform and app. They won four different awards in 2020, one for best broker, one for best platform, one for best trading app and one for best forex platform.

You can invest in contracts for difference (CFDs) on many different markets, along with over 3 million other users. Libertex has a powerful investment app that can be used by both experienced and novice traders. They also offer a variety of tools to help you make better investments.

Zero spreads on assets make them stand out from the competition. On top of that, the investment fees are super low, meaning they don’t eat into your returns. You can also start with $100 and only $10 after your first deposit.

Another interesting thing is that Libertex is a big supporter of Tottenham. Because of this, you can take advantage of various campaigns where you can receive bonuses, win cars and many other special offers that you will not get anywhere else.

Advantages

Disadvantages

73,77% от сметките на инвеститорите на дребно губят пари, когато търгуват CFD с този доставчик.

3. AvaTrade – Award-winning investment app AvaTradeGo

Avatrade gives you the opportunity to invest with many advantages. You can choose from over 1250+ different investment assets, which include stocks, indices, crypto, forex, etc. They are regulated in 6 different jurisdictions, making them one of the most regulated brokers on the market.

Their AvaTradeGo app is an award-winning mobile app and has been given five out of five stars by trustpilot. You can invest and monitor your investments from anywhere in the world. They offer a wide range of features such as live social trends.

AvaTrade may be a good fit for you, whether you are a beginner or an advanced trader. They give you the opportunity to learn from their Strategy e-books and educational video tutorials.

Deposits and withdrawals are free, and the minimum deposit is just $100. If you haven’t used your account for three months, you’ll have to pay an inactivity fee of $50 and $100 after a year.

Advantages

Disadvantages

Вашия капитал е в риск.

How to choose the best investment app for you

While we’ve discussed our top picks in the sections above, it’s important to remember that you have hundreds of the best stock investing apps to choose from. As such, there may come a time when you decide to use an investing app that isn’t discussed on this page. Likewise, you may want to do some additional research on the providers we’ve selected before you dive in.

Either way, below we list some of the most important factors you should pay attention to when choosing the best investment app for you.

Regulation

While you might think that all online investment apps are regulated, that’s unfortunately not the case. That is, there are several mobile apps that allow you to buy and sell stocks, even though they don’t have the legal authority to do so.

Therefore, it stands to reason that you should make sure that your chosen investment app is licensed by a top tier authority before parting with your money. Some of the most respected and stringent licensing bodies in the investment scene include:

• Securities and Exchange Commission – United States (SEC)
• Financial Industry Regulatory Commission – USA (FINRA)
• Cyprus Securities and Exchange Commission (CySEC)
• Financial Supervision Commission – Bulgaria (FCA)
• Australian Investment Security Commission (ASIC)
• Financial Regulatory Authority – Singapore (MAS)

The above-mentioned regulators ensure that free investment apps keep customer funds in separate bank accounts and protect personal data. They also require investment apps to identify all user accounts through a government-issued identification number and clearly present the risks of investing to retail users. All of the best investment apps listed on this page are licensed by at least one tier one regulator.

Investment assets

While your chosen investment app may be licensed, it may fall short in the asset department. Therefore, you should research what stocks the app allows you to invest in. This can vary greatly depending on the broker in question.

For example, eToro and Capital give you access to thousands of stocks across multiple international exchanges. There may also come a time when you want to invest in assets other than stocks. This could include mutual funds, ETFs, or investment trusts. Most of the online investment apps we have listed on this page also give you access to CFD trading tools.

Taxis

The fees associated with buying and selling stocks are now a fraction of what they used to be. After all, four of our five selected investing apps let you buy stocks without paying a cent in commission.

However, other fees you should pay attention to when choosing an investment app are:

• Spreads: This is the difference between the buying and selling price of an asset. The larger the spread, the more fees you will pay indirectly. This is because you need to make a profit equal to at least the spread just to break even.
• Maintenance fees: Even some of the best stock investing apps will charge maintenance fees. This is a recurring fee you have to pay just to use the app – and it’s usually charged every month.
• Transaction fees: These are fees that are charged every time you deposit and withdraw funds. Some investment apps allow you to make trades for free, while others do not. So check this before opening an account.
• Конвертиране на валута: Някои инвестиционни приложения начисляват такса за конвертиране на валута, когато се опитвате да получите достъп до международни пазари. Други – като eToro, ще таксуват това, когато депозирате във валута, различна от щатски долари.
• Такси за неактивност: Някои инвестиционни приложения начисляват такса за бездействие, когато акаунтът ви остане активен за определен период от време. Няма да е необходимо да плащате това, ако имате запаси в акаунта си, дори ако не сте го използвали месеци наред.

Както можете да видите от горното, има много такси, за които трябва да сте наясно при търсенето на най-добрите инвестиционни приложения, поради което процесът на изследване може да отнеме много време.

Платформа и използваемост

След като сте прекарали необходимото време за преценка на таксите, фокусът ви трябва да премине към самото приложение. Тоест, трябва да проучите дали инвестиционното приложение е удобно за потребителя.

Това е особено валидно, ако инвестирате за първи път, тъй като не искате да бъдете претоварени от разширени функции и инструменти. Ако инвестиционното приложение предлага демо сметка на живо, това е особено полезно. В края на краищата ще имате възможност да тествате приложението, без да е необходимо да рискувате собствените си средства.

Инструменти и функции за търговия

Само защото инвестиционното приложение е удобно за потребителя, това не означава, че то не трябва да бъде снабдено с полезни функции. Например, eToro предлага Копи трейдинг – което ви позволява да отразявате инвестициите на опитна борсова търговия. Освен това инвестиционното приложение eToro ви позволява да купувате частични акции.

Ако сте по -напреднал инвеститор, вероятно ще търсите по -сложни инструменти.

Обучение, изследвания и анализ

Ако сте начинаещ, който се стреми да предприеме бавен и стабилен подход към инвестирането, ще искате да изберете приложение, което предлага вътрешни образователни материали. Това може да включва инвестиционни ръководства и обяснители, както и удобни видеоклипове.

Някои от най -добрите инвестиционни приложения – като eToro, ще отидат още една крачка напред, като предлагат редовни уебинари. AvaTrade дори ви дава образователни видео уроци.

Що се отнася до анализа, това е основен плюс, ако избраното от вас инвестиционно приложение предлага фундаментални инструменти за изследване. По-конкретно, ако имате достъп до новини в реално време, отчети за приходите и пазарна информация – това ще избегне необходимостта от използване на трети доставчик на изследвания.

Съвместимост на устройството

Разбира се, че трябва да проверите дали избраното от вас инвестиционно приложение е съвместимо с вашето устройство. Както разгледахме, повечето брокери ще проектират приложението си както за iOS, така и за Android устройства.

Ако имате операционна система, която не е съвместима с приложението, тогава ще можете да инвестирате чрез стандартния си мобилен уеб браузър. Процесът обаче няма да бъде толкова гладък, колкото специално приложение, разработено специално за вашата операционна система.

Плащания

Ще използвате инвестиционно приложение за покупка и продажба на акции с реални пари. Като такъв, трябва да помислите как възнамерявате да получавате средства във и извън приложението.

Някои от най -често поддържаните начини на плащане са:

• Дебитни карти
• Кредитни карти
• Електронни портфейли
• Google Pay
• Apple Pay
• Банков превод

Всички горепосочени начини на плащане ви позволяват незабавно да депозирате средства – освен банкови преводи. Като се има предвид това, избраното от вас инвестиционно приложение може да не предлага предпочитания от вас начин на плащане, така че трябва да проверите това, преди да се регистрирате.

Обслужване на клиенти

Няма нищо по-лошо от това да отворите акаунт с приложение за инвестиции, само за да откриете, че поддръжката на клиенти е по-ниска. Има няколко фактора, които трябва да проверите в това отношение. Например, ще трябва да проучите какви методи за поддръжка се предлагат – като чат на живо, поддръжка по телефона или имейл.

Освен това трябва също да проверите в колко часа е активен екипът за обслужване на клиенти. В повечето случаи най -добрите инвестиционни приложения предлагат поддръжка 24 часа в денонощието, за да отразяват тази на традиционните акции и пространство за акции.

Как да започнете с приложение за инвестиции

Така че сега, когато знаете на какво да обърнете внимание при избора на доставчик на инвестиционни приложения, сега ще ви преведем през процеса на започване. Указанията по-долу се основават на нашето приложение за инвестиции с най-висок рейтинг eToro-и включват стъпките, необходими за регистриране, депозиране и впоследствие инвестиране в акции.

Frequently Asked Questions