Nejlepší obchodní platformy pro české investory v roce 2025

With such a wide range of options, choosing a trading platform can be a lengthy process.

It's no wonder, you're going to invest your hard-earned money, so you want to rely on it 100%.

The good news is that there are several key criteria to help you find the best trading platform for 2025.

The most important factors to watch out for:

Regulation

You may be tempted to choose a trading platform based on fee structure and markets, but the truth is that the absolute bottom line is the safety of your deposits.

You are ultimately transferring your real money to the chosen platform, which is why it is necessary to keep an eye on the regulatory authorities.

The best online trading platforms are usually overseen by organizations like FINRA or the SEC in the US, as well as the FCA and ASIC for the UK and Australia.

If you are wondering what benefits such oversight and strict regulation brings, here they are:

• Your funds are stored in segregated bank accounts. This means that the free trading platform cannot finance its activities (debt settlement) with your money.
• Regulated brokers must also comply with anti-money laundering regulations. Every trader must verify their identity, thus preventing potential crimes.
• The trading platform’s books are controlled by the relevant licensor, ensuring a fair and transparent environment for all.

A trading platform without regulation or operating in suspicious locations poses a risk to your finances.

Assets

Online trading is very popular with all types of investors. Some are attracted to pure stocks, while others are attracted to futures or options. When choosing a provider, you need to make sure that they offer the products you are interested in.

The best online trading platforms for beginners, which this article is about, offer these basic asset classes:

• Share
• ETFs, indices and mutual funds
• Bonds
• Forex and commodities
• Bitcoin and other cryptocurrencies

You can easily find the markets offered on the investment platform's website.

Fees

The best trading platforms offer truly competitive fees, without any question. Sometimes platforms have a very simple and transparent fee structure. However, there are also examples where the whole system is extremely confusing and complicated. It is then difficult to keep track of what you are paying for.

To help you better understand trading platform fees, we took a closer look at them:

Trade Commission

The most important fee to watch out for is trading commissions. These can come in two forms: fixed and variable. For example, with a fixed commission, you pay $15 when you buy a stock and another $15 when you sell it.

For example, variable commissions can be 1% on both purchases and sales. So if you buy shares worth $500, the commission will be $5. If you close this position at $600, the commission will be $6.

Spreads

If you are a long-term investor and want to hold shares for several years, you are not too concerned with the spread. On the contrary, for short-term traders of forex, commodities or cryptocurrencies, the spread is absolutely essential.

If you don't know the spread yet, it's the difference between the selling and buying price of an asset. In some cases, it's calculated as a percentage. However, in forex, you'll most often encounter a spread in "pips."

Transaction costs

The fees for deposits and/or withdrawals on an online platform might surprise you. Again, the terms and conditions vary from platform to platform. You can also find the difference in the way the fee is charged, sometimes it is a fixed amount and sometimes it is a percentage of the transaction.

Other fees

In addition to commissions, spreads, and transaction costs, you may encounter several other fees on the investment platform.

These include:

• Inactivity fee: Some trading platforms will start charging you a monthly fee after a period of inactivity. This is usually after 12 months, but it can be shorter. If you have any money sitting in your trading account, be sure to keep an eye on this fee.
• Margin fee: If you plan to trade on margin, check your broker's funding terms. This is usually a percentage that the broker charges you for each day the position is open.
• Account Fee: You can also find out if the trading platform charges ongoing fees – if so, they probably charge them monthly.

The fee structure may seem very complex at first glance, but understanding it is very important when choosing an investment platform.

Business tools and features

If you are all about buying and selling assets, you may not be interested in special features and add-ons. However, it is definitely not worth ignoring this area because you are missing out on useful trading tools.

These include:

Fractional shares

The ability to buy fractional shares is important for retail clients on a budget. Admittedly, one share of Amazon for $3,000 or one share of Google for $1,700 can be a bit much. However, with fractional shares, you can only buy a “part” of that one share.

For example, on the top-rated trading platform eToro, you can invest in any of the 2,400 stocks on offer from just $50. So if you invest $50 in a stock that costs $500, you get a 10% stake. This makes investing much more affordable, and it also makes it easier to diversify your portfolio.

Command types

On every trading platform, you use “orders” to execute trades. These are what you tell your broker what your goal is. Every investment platform offers “buy” and “sell” orders, but in some cases you have a wider choice.

For example, the best trading platforms also have stop-loss and take profit orders. These are essential for risk management. You may also come across a trailing stop-loss order. You can find this on the eToro platform, for example, and it will keep you in a profitable position until it drops by a specified percentage.

Copying trades

If you want to trade actively but don't have enough experience, you might consider a copy trading platform. This simply allows you to copy 100% of traders' activities without any input from you.

eToro, for example, is home to thousands of verified investors who have joined the copy trading program. Each trader has a profile where you can find key information such as historical performance, average monthly returns, risk rating, preferred assets, and average trade duration.

After selecting a trader, all you need to do is deposit at least 200 USD into your account. Each of their positions will be reflected in your trading account after confirmation. Of course, you can cancel copying trades at any time.

MT4/MT5

If you have been trading for a while, you will be familiar with the MetaTrader (MT) trading platforms. For those who don’t know, MT4 and MT5 are external trading platforms that sit between you and your broker. Many traders choose a broker that offers these platforms because they offer great features.

Example of the advantages of MT4 and MT5:

• Dozens of technical indicators
• Graph drawing and editing options
• Real-time rates
• Mirroring of trades
• Creation of automatic systems
• Works on mobile device

Not every investment platform offers MT4 and/or MT5, so you need to browse the offerings.

Notification

The financial markets are and will be very "live". Therefore, you want to have the best possible overview of current developments. Notifications are a great way to do this. The best trading platforms can be set to alert you when a price limit is broken - either via the app or by email.

For example, if you want to trade the GBP/USD pair when it hits 1.36, you can set a notification and you won’t miss a thing. The best trading platforms also offer the option to set notifications when a certain volatility level is reached. If one of your tracked assets experiences a sharp move, you’ll be notified immediately.

Education, research and analysis

We've found that the best online trading platforms on the market go the extra mile and offer in-depth education, teaching you the basics of buying and selling financial instruments without having to seek outside help.

The best trading platforms offer, among other things, the following educational tools:

• Tutorials and blog on key topics
• Webinars
• Podcasts
• E-books
• Mini-courses

In addition to education, the best online trading platforms also offer research and analytical tools. Research can include breaking news, breaking financial stories, in-depth analysis, and a closer look at market sentiment. As for analysis, the best providers offer advanced chart reading tools like technical indicators.

User experience

If you are going to trade for the very first time, you want to know clearly what to do. There are usually no problems with the web interface, but there are problems with the mobile apps.

This is an important thing for those interested in mobile trading, as they have to enter orders on a small screen. Therefore, you should familiarize yourself with the application interface. You want to know how to search for assets, key information, how to enter orders, close trades, find out the value of your portfolio, or how to deposit and withdraw money.

The good news is that the best trading apps usually offer versions for both Android and iOS. In other words, the app is built and optimized from the ground up specifically for your operating system. If the trading platform offers a demo account, you can try everything out without making any initial investment.

Payment options

Before purchasing assets, you always need to get money into your trading account somehow. Therefore, you should familiarize yourself with the available payment methods.

You can usually transfer money from your personal bank account without any problems. In some cases, the transfer will be immediate, while in others it will take 1-2 business days to process. Therefore, it is sometimes worth looking for a trading platform with a debit/credit card deposit option, which will process payments immediately in most cases.

Our top-rated trading platform, eToro, offers deposits not only with Visa and MasterCard, but also via Paypal, Netller and Skrill.

Customer support

Customer support varies greatly between investment platforms. Sometimes they only offer support via tickets or email. It is better to avoid these, as you may not get a response until several days later.

Instead, choose trading platforms with real-time support. Online chat is best, but phone support is also popular.

Also check the working hours. Most platforms do not offer support on weekends because the markets are closed. You will usually find working hours 24/5.

Best trading platforms to get started

So far, we've focused on selecting the best trading platforms currently on the market. We've also taken a closer look at the important factors for choosing a provider.

Finally, we will walk through the onboarding process of an investment platform. As an example, we have chosen the leading provider eToro, which offers trading on thousands of markets.

Step 1: create an account and upload documents on the trading platform website

Regardless of the trading platform, you always start by creating an account. On eToro, this step only takes a few minutes.

Go to the eToro website and click on the “So join” button. You will enter some information about yourself – name, nationality, address, date of birth. An email and phone number are also required for the trading platform.

Step 2: Verify your identity

eToro is regulated by the FCA, CySEC and ASIC and is also registered with FINRA. It is therefore legally required to verify your identity, without which you cannot withdraw your money. It is therefore best to complete the identity verification process right away, even if it is done in a timely manner.

You will upload legible copies of these two documents:

• Passport or driver's license
• Utility bill or bank statement (maximum 3 months old)

In most cases, verification will take place automatically, so you can get started right away .

Step 3: Make a deposit on the trading platform

Now it's time to deposit money into a new trading account.

You can choose from several payment options:

• Debit cards
• Credit cards
• Electronic wallet (Paypal, Skrill or Neteller)
• Bank transfer

eToro charges a 0.5% fee on all deposits in currencies other than USD. The minimum deposit is USD 200.

Step 4: Research the markets offered

After making a deposit, it's time to explore the platform and find a suitable asset. If you know exactly what you're interested in, use the search.

If you just want to see what’s available, click on “Markets.” You’ll see tradable asset classes like stocks, cryptocurrencies, ETFs, forex, and commodities.

Step 5: Create a trade on the trading platform

After selecting an asset, it is time to enter a trade order. In our example, we want to trade Bitcoin.

As you can see in the image, we entered $25 in the "Amount" field. If you want to set a stop-loss and/or take profit, you have the option.

Once you have your order ready, click the "Open Trade" button.

Summary - Trading Platforms

There are currently hundreds of trading platforms on the market, so choosing the right solution for your needs requires a significant investment of time.

For example, someone is primarily looking for low fees, while another is interested in specific markets and instruments.

We have concluded that eToro comes closest to being the ideal online trading platform.

{etoroCFDrisk} % retailových investorů došlo ke vzniku ztráty.

FAQ – Frequently Asked Questions for Trading Platforms