Best mobile trading apps in Europe in 2026

Home to around 40 million registered users worldwide, eToro is a popular choice among European beginners who want simplicity and a broad range of products. It’s our pick for social trading. ETFs are commission-free, including fractional shares, while stocks cost $1 per trade in most cases (other fees apply). eToro also offers a euro account, so eurozone investors can fund and trade in euros.

eToro’s platform, on web and mobile, is built around social trading: you can discuss markets with other investors, copy their portfolios with CopyTrader and invest in ready-made thematic Smart Portfolios. In May 2025, eToro went public on NASDAQ (ticker: ETOR).

The demo account (with $100,000 in virtual funds) is especially useful for beginners. On the downside, there’s a $5 withdrawal fee on USD accounts 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. It is also regulated by the FCA in the UK and ASIC in Australia, and holds a MiCA licence for crypto. Read our eToro review.

Founded in 2002, XTB is a major European broker listed on the Warsaw Stock Exchange (ticker: XTB) and regulated by several top-tier authorities, including the KNF in Poland, CySEC in Cyprus and the FCA in the UK. It serves more than 2 million clients worldwide.

You can invest through xStation 5 (web and desktop) and xStation Mobile in stocks, ETFs and CFDs on stocks, forex, indices, commodities and cryptocurrencies (the offer varies by country). XTB offers 0% commission on real stocks and ETFs up to €100,000 of monthly volume (0.2% above that, minimum €10), 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 easy. Beginners get a demo account and a strong library of educational tools, while more experienced investors have plenty of analysis features. On the downside, there’s a €10 monthly inactivity fee (after one year with no trading and no deposit in the last 90 days) and a 0.5% currency conversion fee when you trade assets in other currencies.

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

Founded in 2004 and now with millions of funded accounts, Trading 212* is a London-based fintech that aims to make investing simple through its mobile app, with more than 10,000 stocks and ETFs. Sponsored Code: you can get free fractional shares worth up to 100 EUR when you open an account with the code IITW. Terms apply.

Trading 212 offers no commissions on stocks and ETFs, fractional shares and Pies & AutoInvest, which lets you schedule regular investments into a portfolio of your choice, as well as interest on uninvested cash. Other fees may apply. See terms and fees. 0,15% FX fee applies when converting funds. UK users also have access to Stocks and Shares and Cash ISAs. On the downside, it doesn’t offer bonds or options.

The minimum deposit is €1 (€10 by bank transfer), with no deposit or withdrawal fees, and you can fund your account by bank transfer, card, Google Pay or Apple Pay.

Trading 212 is supervised by different regulators depending on the entity you open your account with, including CySEC (Cyprus), BaFin (Germany), the FCA (UK) and ASIC (Australia), and client funds are held in segregated accounts. To learn more, check out our Trading 212 review.

Founded in 2015, Trade Republic is a Berlin-based neobroker that operates as a fully licensed German bank, with more than 10 million customers across 18 European countries and over €150 billion in customer assets. It offers five asset classes: stocks, ETFs, bonds, cryptocurrencies and derivatives.

Trade Republic markets itself as a “no order fee” platform, although a €1 external fee applies to each one-off order (so buying and later selling costs €2 in total). The key exception is that automated savings plans are completely free, which makes 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 low ECB rates. Uninvested cash earns the ECB deposit rate, currently 2.25% a year, with no upper limit if you use its current account. Since May 2026, new clients in some countries (not Germany) get a promotional rate of 3.00%. It was also the first European broker to offer fractional bond investing from €1, covering government and corporate bonds.

Trade Republic is regulated by BaFin and supervised by the Deutsche Bundesbank. Cash deposits are protected up to €100,000 under the German deposit guarantee scheme, and your securities are held separately from the bank’s own assets. On the downside, accounts are euro-only and there’s no direct access to US exchanges. Want to know more? Check out our Trade Republic review.

Founded in 2013, DEGIRO remains one of the best trading apps in Europe for investors focused on stocks and ETFs. Since merging with flatexDEGIRO Bank AG in 2020, it operates under a German banking licence and serves more than 3 million clients across Europe. It has low fees across the board, no inactivity fees and a selection of popular ETFs in its Core Selection list for a €1 handling fee per order.

DEGIRO works 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, although it doesn’t offer fractional shares or interest on uninvested cash, and it charges a €2.50 annual connectivity fee per foreign exchange.

The mobile app keeps things simple, with straightforward order entry plus two-step and biometric authentication, though it lacks price alerts. On safety, DEGIRO is regulated by Germany’s BaFin (through flatexDEGIRO Bank AG), with additional Dutch oversight, and offers €100,000 cash deposit protection under the German scheme, plus securities coverage of 90% up to €20,000 under the German investor compensation scheme.

Read our DEGIRO review.

inbestMe is a robo-advisor that builds a portfolio for you, based on your goals and risk tolerance. It’s fully automated, rebalances your portfolio and even offers tax-loss harvesting. Its management fee goes up to 0.41% a year, on top of the cost of the underlying funds. Access to a human advisor is available for larger portfolios.

The inbestMe app isn’t comparable to a broker’s app, since you’re not trading, following news or setting alerts. Its main functions are depositing, withdrawing and following your portfolio through your dashboard. Still, it’s a smooth app that lets you check how your portfolio is doing.

inbestMe offers several investment styles in ETFs and index funds, including value, dynamic and socially responsible portfolios, with different minimum amounts depending on the plan you choose.

inbestMe is regulated and supervised by the CNMV (the Spanish securities regulator), and investments are covered 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 hold assets, so, depending on the custody setup, additional protection may apply through the Irish investor compensation scheme (€20,000) for IB Ireland.

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 well-organised asset groups, available for Android and iOS. One drawback compared with 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 returns on uninvested cash through money market funds in EUR, GBP and USD. Since October 2025, you need to actively move your cash into a fund (through the Vaults feature) to earn a return, rather than it accruing automatically. As these are investment products, your capital is at risk and they aren’t covered by deposit protection.

At the top of the app you’ll find a search bar and key sections such as “You’re earning interest”, “Popular this week” and “Discover”, the latter organised into stocks and ETFs trending that week. The app supports market, limit and recurring orders, just like the web platform. That said, compared with competitors such as Interactive Brokers, the order types 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 scheme 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.