Best mobile trading apps in Europe in 2026

Home to over 40 million users worldwide, eToro remains a popular choice among European beginners who want simplicity and a broad range of products. It’s the best trading app in Europe for social trading. Real stocks and ETFs are traded commission-free (0% commission), including fractional shares, though other fees apply. eToro now also offers a EUR local currency account, letting eurozone investors fund and trade in euros and avoid FX conversion on EUR-denominated assets.

eToro’s platform, available on web and mobile, is built around social trading: investors can discuss markets with peers, replicate other traders’ strategies via CopyTrader™, and invest in thematic, ready-made Smart Portfolios. In May 2025, eToro went public on the NASDAQ (ticker: ETOR).

The demo account (with $100,000 in virtual funds) is especially useful for beginners, offering hands-on practice that mirrors live investing. On the downside, there’s a $5 withdrawal fee and a $10 monthly inactivity fee after 12 months without logging in.

For European clients, eToro operates through eToro (Europe) Ltd, authorised and regulated by the Cyprus Securities and Exchange Commission (CySEC), with services passported across the EU. eToro is also regulated by the FCA (UK) and ASIC (Australia) for other markets, and holds a MiCA licence for crypto. Read our eToro review.

Founded in 2002, XTB is a major player in the brokerage industry with extensive global experience, listed on the Warsaw Stock Exchange (ticker: XTB) and regulated by multiple top-tier authorities, including the FCA (UK), CySEC (Cyprus), KNF (Poland), and BaFin (Germany). It serves over 1.3 million clients worldwide.

You can invest through xStation 5 (web and desktop) and xStation Mobile across stocks, ETFs, and CFDs on stocks, forex, indices, commodities, and cryptocurrencies (the offering varies slightly by country). XTB offers 0% commission on real stocks and ETFs up to €100,000 in monthly trading volume (0.2% above, minimum €10) in most European countries, plus fractional shares and recurring Investment Plans for passive investors. It also pays interest on uninvested cash.

Opening and funding an account is quick and hassle-free. Beginners get a demo account and a strong library of educational tools, while intermediate and advanced investors have plenty of technical and fundamental analysis features. On the downside, there’s a €10/month inactivity fee (triggered after one year of no trading and no deposit in the last 90 days), and a 0.5% FX conversion fee applies when trading assets in foreign currencies.

Want to know more about XTB? Check our XTB review.

Founded in 2006 and now with over 4.5 million funded accounts and around €30 billion in client assets, Trading 212 is a London-based fintech that aims to democratise investing through a simple mobile app, offering more than 12,000 stocks, ETFs, and crypto, plus CFDs on a range of assets. It offers a free fractional share worth up to €100.

Trading 212 provides commission-free stocks and ETFs, fractional shares, an automatic investing system (Pies/AutoInvest), and competitive interest on uninvested cash (around 3.5-3.85% AER on GBP, lower on EUR/USD, paid daily via Qualifying Money Market Funds). In March 2026, it launched 212 Crypto, a dedicated MiCA-regulated crypto product available to most EEA residents (excluding Belgium, Switzerland, Germany, Austria, Luxembourg, and France). UK users also get access to Stocks & Shares and Cash ISAs. On the downside, it still does not offer bonds, options, or a SIPP.

The app has two sub-platforms: Trading 212 Invest (commission-free real assets, 0.15% FX fee) and Trading 212 CFD (leveraged products, 0.50% FX fee). The minimum deposit and withdrawal are both €/£10, with no deposit or withdrawal fees (bank transfer, cards, and Google/Apple Pay supported).

On safety, Trading 212 is regulated by the FCA (UK), CySEC (Cyprus), BaFin (Germany), and ASIC (Australia), with client funds held in segregated accounts. To learn more, check out our Trading 212 review.

Founded in 2015, Trade Republic is a Berlin-based neobroker operating as a fully licensed German bank, now with over 10 million customers across 18 European countries and more than €150 billion in customer assets. It offers five asset classes: stocks, ETFs, bonds, cryptocurrencies, and derivatives. Stocks and ETFs trade daily from 7:30 to 23:00 CET, crypto 24/7, and derivatives from 8:00 to 22:00 CET.

Trade Republic markets itself as a “no order fee” platform, though a €1 external settlement fee applies to each trade (so a buy-and-sell round trip costs €2). The key exception: automated savings plans are completely free of this fee, making it one of the most cost-effective platforms in Europe for regular, passive investing.

Trade Republic was the first European broker to pass on higher euro interest rates after years of ECB-driven low rates. Uninvested cash currently earns up to 3.00% per year (for new clients, on balances up to €50,000; the standard rate is 2%, and German residents are excluded from the 3% promo). It was also the first European broker to offer fractional bond investing from €1, covering both government and corporate bonds.

The broker is regulated by BaFin and supervised by the Deutsche Bundesbank. Client securities are protected up to €20,000 and cash deposits up to €100,000 under the German deposit guarantee scheme. On the downside, Trade Republic has an EUR-only account base and no direct access to US exchanges. Want to know more? Check out our Trade Republic review.

Founded in 2008, DEGIRO remains one of the best trading apps in Europe for investors focused on equities and ETFs. Since merging with flatexDEGIRO Bank AG in 2021, it operates with its own German banking licence and serves over 3 million clients across 15+ European countries, from beginners to advanced users. It features low fees across the board, no inactivity fees, and a flat €1 commission plus €1 handling fee on US stock trades, with a selection of free ETFs through its Core Selection list (one free trade per ETF per month).

DEGIRO operates on a “do-it-yourself” basis, offering stocks, ETFs, bonds, futures, warrants, investment funds, and some leveraged products. With no maintenance, custody, or inactivity fees, it’s a strong choice for buy-and-hold investors – though note it does not offer fractional shares or interest on uninvested cash.

The mobile app keeps things simple, with straightforward trade execution plus two-step and biometric authentication, though it lacks price alerts. On safety, DEGIRO is regulated primarily by Germany’s BaFin (via flatexDEGIRO Bank AG), with additional Dutch AFM oversight, and offers €100,000 cash deposit protection under the German scheme.

Read our DEGIRO review.

inbestMe is a Robo-Advisor that allows you to build a customized portfolio based on your financial objectives and risk tolerance. It is fully automated and even offers tax-loss harvesting (tax efficiency). It charges a maximum management fee of 0.41%/year. Access to a human advisor is available for amounts above €100,000.

The inbestMe app is not particularly relevant when compared to the brokers’ app since you do not have the purpose of trading, following the news or set alerts. The main functions will be to deposit/withdraw and follow your current portfolio through your investment dashboard. Nonetheless, it is a smooth app, and in the palm of your hand, you check how your portfolio evolves.

You have four available ETF investment styles: inbestMe ETF, inbestMe ETFs Dynamic, inbestMe ETFs Value, and a Socially Responsible Investing ETF. You can start investing in this portfolio with a minimum of €/$5,000.

inbestMe is regulated and supervised by the CNMV (Spanish National Securities Market Commission). Your investments are protected by Spain’s FOGAIN compensation scheme up to €100,000 per investor. Note that inbestMe acts as a robo-advisor and uses third-party brokers (including Interactive Brokers) to execute trades and custody assets – depending on the specific custody setup, additional protection may apply via the Irish Investor Compensation Scheme (€20,000) for IB Ireland or SIPC ($500,000) for IB United States.

Lightyear is one of the fastest-growing investing apps in Europe. Founded in 2021 by former Wise employees and based in Tallinn, it offers a clean, user-friendly mobile platform with an efficient search function and neatly organised asset groups, available for both Android and iOS. One drawback compared to the web platform is that the mobile app is only available in English.

The app is secured with a 4-digit PIN and supports biometric login (Face ID or fingerprint). Lightyear offers one of the highest interest rates on uninvested cash via Money Market Funds in EUR, GBP, and USD – though note that since October 2025, you need to actively hold your cash in an MMF (through the Vaults feature) to earn interest, rather than it accruing automatically.

At the top of the app you’ll find a search bar and key sections like “You’re earning interest,” “Popular this week,” and “Discover” – the latter organised into Stocks and ETFs as a collection of trending assets for the current week. The Lightyear mobile app supports Market, Limit, and recurring orders, just like the web platform. That said, compared with competitors such as Interactive Brokers, the order type choices are somewhat limited.

Lightyear operates under Estonian and UK regulation. Lightyear Europe AS is regulated by the Estonian Financial Supervision Authority (Finantsinspektsioon), with EU clients covered by the Estonian Investor Protection Sectoral Fund up to €20,000. In the UK, the service is provided by Lightyear UK Ltd, authorised and regulated by the Financial Conduct Authority (FRN 987226). Lightyear also offers a free share worth up to €100 with the promo code INVESTINGINTHEWEB.