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Software Comparison » Best Brokerage App 2025 » Best Micro Investing Apps 2025

Best Micro Investing Apps 2025: Discover the Top Platforms for Small Investments

Publish Date: July 29, 2024

Micro investing apps have revolutionized the way we think about saving and investing by allowing users to invest small amounts of money regularly, often with the spare change from everyday purchases.

The best micro investing apps are designed to be user-centric, accessible, and an excellent starting point for those new to investing.

Explore Leading Micro Investing Sites for Your Small Investments in 2025

Pepperstone
Recommended
4.6/5
  • Reliable and Transparent
  • Regulatory Rigor
  • Suite of Empowering Tools
Account Fee
0,00€
Order Fee National
2,60€
Order Fee International
2,60€
Deposit Protection
20.000,00€
Visit Provider
Payment Methods
Bank Transfer
Neteller
PayPal
+
License
FCA - Financial Conduct Authority
Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
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eToro
Hot Offer
4.6/5
  • Equity ownership
  • Dividend earning
  • Market participation
Account Fee
Order Fee National
0,00%
Order Fee International
0,00%
Deposit Protection
$20.000,00
Visit Provider
Payment Methods
Bank Transfer
Neteller
Skrill
+
Apps
License
SFSA - Seychelles Financial Services Authority
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
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Capital.com
Hot Offer
4.5/5
  • Ownership stake in a company.
  • Can provide dividends and capital appreciation.
  • Offered on stock exchanges and can be traded publicly or privately.
Account Fee
0,00€
Order Fee National
0,00%
Order Fee International
0,00%
Deposit Protection
20.000,00€
Visit Provider
Payment Methods
Apple Pay
Visa
Mastercard
+
Apps
74% of retail investors lose money.
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VT Markets
4.
4.5/5
  • Ownership in Companies
  • Dividend Payments
  • Market Capitalization Influence
Account Fee
Order Fee National
0,10%
Order Fee International
0,10%
Deposit Protection
Visit Provider
T&Cs apply, 18+
Payment Methods
Mastercard
Visa
Bank Transfer
+
License
ASIC - Australian Securities and Investments Commission
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XTB
5.
4.5/5
  • Versatile trading options
  • Robust security measures
  • Comprehensive educational resources
Account Fee
0,00€
Order Fee National
0,00%
Order Fee International
0,00%
Deposit Protection
22.000,00€
Visit Provider
T&Cs apply, 18+
Payment Methods
Bank Transfer
PayPal
Skrill
+
Apps
License
FCA - Financial Conduct Authority
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Avatrade
6.
4.5/5
  • Platform choices
  • Educational content
  • Risk management tools
Account Fee
0,00€
Order Fee National
0,13%
Order Fee International
0,13%
Deposit Protection
50.000,00€
Visit Provider
T&Cs apply, 18+
Payment Methods
Bank Transfer
Visa
Mastercard
License
CBI - Central Bank of Ireland
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Kraken
7.
4.5/5
  • Sleek, Modern UX
  • Educational Resources
  • No Social Trading
Account Fee
Order Fee National
Order Fee International
Deposit Protection
Visit Provider
T&Cs apply, 18+
Payment Methods
Bank Transfer
License
CNMV - Comisión Nacional del Mercado de Valores
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xm.com
8.
4.5/5
  • Comprehensive Educational Resources
  • Easy-to-Use Mobile App
  • Limited to Certain Regions
Account Fee
0,00€
Order Fee National
0,70%
Order Fee International
0,70%
Deposit Protection
20.000,00€
Visit Provider
T&Cs apply, 18+
Payment Methods
Bank Transfer
Neteller
Skrill
+
License
CySEC - Cyprus Securities and Exchange Commission
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LYNX
9.
4.5/5
  • Competitive Offers
  • Intuitive Platform
  • Educational Content
Account Fee
$0,00
Order Fee National
0,14%
Order Fee International
0,15%
Deposit Protection
$100.000,00
Visit Provider
T&Cs apply, 18+
Payment Methods
Bank Transfer
License
AFM - Authority for the Financial Markets (Netherlands)
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IG
10.
4.5/5
  • Robust Educational Resources
  • Unlimited Demo Account
  • Advanced Charting Tools
Account Fee
Order Fee National
0,50%
Order Fee International
0,50%
Deposit Protection
Visit Provider
Payment Methods
Bank Transfer
Mastercard
Visa
+
License
ASIC - Australian Securities and Investments Commission
CFDs are complex instruments and because of leverage come with a high risk of losing money quickly. 75% of retail investor accounts lose money when trading CFDs with this provider. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money. Options and securities offered by IG are complex financial instruments and come with a high risk of losing money quickly.
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Features of Top Micro Investing Apps

The best micro investing apps offer an array of features tailored to make investing simple and approachable. Here are some common features:

Round-Up Investments

Apps often round up your daily purchases to the nearest dollar and invest the difference.

Extensive Investment Options

They offer a variety of ETFs and other investment vehicles to build an expansive portfolio.

Automatic Contributions

Users can set up recurring transfers to their investment accounts.

Educational Resources

To assist beginners, many apps provide educational tools and resources to learn about investing.

User-Focused Interfaces

Intuitive and engaging app design that makes the investment process easy for novices.

Pros and Cons of the Top Micro-Investing Apps
  • User-friendly platforms tailored for beginners
  • Low minimum investment requirements
  • Automatic investing options facilitated by features like round-ups
  • Diversification opportunities across various asset classes
  • Limited investment options compared to traditional platforms
  • Potential for oversimplification of complex investment decisions

Claim the best stock trading sites of 2025

Pepperstone
1.
4.6/5
Visit Provider
Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
eToro
2.
4.6/5
Visit Provider
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
Capital.com
3.
4.5/5
Visit Provider
74% of retail investors lose money.
VT Markets
4.
4.5/5
Visit Provider
T&Cs apply, 18+
XTB
5.
4.5/5
Visit Provider
T&Cs apply, 18+

Usability and User Experience

When choosing the best micro investing app, consider the following aspects related to usability:

  • Account Setup: The registration process should be straightforward with minimal hurdles.
  • Navigation: A clean, intuitive layout to find features and information effortlessly.
  • Customer Support: Prompt and helpful assistance should be available for any technical or account-related queries.
  • Security: Robust security measures to protect personal and financial information.

Benefits of Using Micro Investing Apps

  • Accessibility: Micro investing opens the door to the stock market for those with limited capital, as it requires minimal investment amounts.
  • Convenience: With features like automatic rounding up and investing of spare change from everyday transactions, investing is seamlessly integrated into daily life.
  • Educational Tools: They often come equipped with educational resources to help users learn as they go, making them great tools for improving financial literacy.

Choosing the Right Micro Investing App

When comparing apps, consider your individual investment goals and preferences. Think about fees, portfolio options, and whether you’re looking for an app that focuses on certain types of investments, such as socially responsible funds or the best app for day trading.

Summary Table of Top Micro Investing Apps

FeatureDescriptionExample Apps
Round-Up InvestmentsApps round up daily purchases to the nearest dollar and invest the spare change.Capital.com, eToro, Pepperstone
Extensive Investment OptionsOffer a variety of ETFs and investment vehicles for a diversified portfolio.eToro, FP Markets, ActivTrades
Educational ResourcesProvide tools and resources for beginners to learn about investing.Capital.com, FP Markets, ActivTrades
Usability and ExperienceUser-friendly interfaces, easy navigation, and robust customer support.Pepperstone, FP Markets, ActivTrades
Investor ProtectionRegulated by financial authorities and often include insurance and funds’ protection schemes.Capital.com, eToro, Pepperstone
Mobile App AvailabilityOffer mobile applications for investing on-the-go with various features.FP Markets, Capital.com, ActivTrades
ProsEasy entry, education, automatic savings, socially responsible investing options.All listed apps
ConsSmaller returns, potential fees, and limited investment control.Varies across apps
ApplicabilitySuitable for beginners and those with limited capital, offers an accessible way to start investing.All listed apps

Insightful Perspectives on Best Micro Investing Apps

Looking at the best micro investing apps uncovers a digital world where technology meets financial savvy—a place where setting aside a few pennies could potentially lead to a piggy bank of opportunities. Here, we’ll examine the ins and outs of top contenders such as Capital.com, eToro, and a few others, offering insights into their standout features, user experiences, and unique advantages. From automatic change round-ups to a gamut of investment options, every app has its zest.

Whether you’re a budding investor or looking to complement your financial portfolio subtly, understanding these micro investing champions could very well be your first step on an exciting path to growing your wealth. Investigate our overview to find which app resonates with your investment style and objectives, and remember to consult our on-page banners for current offers tailored to your region. Let’s demystify the digital piggy banks of today!

Capital.com: A Standout Micro Investing Platform

Capital.com
  • Regulated by multiple authoritative bodies
  • Non-expiring demo account with virtual funds
  • Access to over 3,000 markets
  • Robust investor protection measures
  • Does not offer real stocks or ETFs
  • No phone support for customer queries

If you’re dipping your toes into the waters of micro investing, Capital.com emerges as a robust platform that should certainly catch your attention. As an enthusiastic reviewer, I’ve been particularly impressed with their seamless combination of user-centric design and cutting-edge technology. Whether you’re a beginner or seasoned investor, Capital.com offers a plethora of options across 3,000 markets, including the bustling realms of forex, stocks, ETFs, and cryptocurrencies. The demo account, flush with $1,000 in virtual cash, grants you a risk-free playground to hone your strategy, while the smart risk-management tools shore up your confidence to make more informed decisions when you transition to a live account with a nominal $20 card deposit.

Capital.com’s educational resources are a gateway to investment proficiency. The platform provides clear charts, analytical tools, and access to real-time market data, ensuring you’re well-equipped for your investment experience. Whilst the app does not cater to trading in real stocks or ETFs, its expansive array of CFDs fills that niche capably, making it an excellent fit within the micro investing app sphere.

Capital.com
4.5/5
Capital.com Stocks
Go to Capital.com
Capital.com Highlights
  • Ownership stake in a company.
  • Can provide dividends and capital appreciation.
  • Offered on stock exchanges and can be traded publicly or privately.
74% of retail investors lose money.

Highlighting eToro in the Micro Investing World

eToro
  • Demo account with $100,000 virtual funds
  • Comprehensive social trading features
  • Islamic account option adhering to Sharia law
  • Socially responsible investing with diverse portfolios
  • Conversion fees for non-USD deposits
  • Wider spreads and additional costs for Islamic accounts

In your search for the ideal micro investing app, you may find eToro to be a particularly intriguing option. Known for its user-friendly platform, eToro not only simplifies the investment process but also enriches it with social trading features. For beginners and those dipping their toes into the investment waters, eToro’s demo account is an invaluable tool. With a virtual balance of $100,000, you have the freedom to practice trading strategies in real market conditions without financial risk. What’s more, transitioning from the virtual to a real portfolio is seamless on eToro’s platform, ensuring a smooth learning curve for novices in the investment arena.

Beyond its educational benefits, eToro stands out for its commitment to inclusivity and ethical financial practices, evidenced by its Islamic account options. Adhering to Sharia law, these accounts forgo overnight interest charges and come without rollover commissions. This profound respect for diverse financial ethics exemplifies eToro’s dedication to accommodating a wide spectrum of traders and investors. With these thoughtful features, eToro embraces those who seek a socially conscious investment strategy, offering a space where every user can invest in a way that aligns with their personal values and financial goals.

eToro
4.6/5
eToro Stocks
Go to eToro
eToro Highlights
  • Equity ownership
  • Dividend earning
  • Market participation
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.

Pepperstone: A Solid Choice for Traders and Micro Investors

Pepperstone
  • Regulated by multiple authorities
  • Demo accounts with real market pricing
  • No deposit fees
  • Diverse investment offerings
  • Swap-free demo accounts not available
  • Potential fees on certain withdrawal methods

Exploring investments, especially within the vibrant world of Forex and CFD trading, demands a reliable and robust service provider. Here’s where Pepperstone makes its mark. Renowned for its seamless platform experience and comprehensive market access, Pepperstone offers traders the tools they need for an effective trading strategy. You’ll find their interface intuitive, which is particularly beneficial if you’re transitioning from micro investing apps to more extensive investment opportunities. Comprehensive customer support complements your experience, ensuring that any queries are addressed swiftly, allowing you to trade with confidence.

Whether you are looking for the best forex broker South Africa or best broker for day trading, Pepperstone truly stands out when it comes to diversity in trading instruments. With access to Forex, CFDs, cryptocurrency, and more, investors can spread their wings and explore a plethora of markets. For Muslim traders, the Islamic account option shows Pepperstone’s commitment to inclusivity, providing a swap-free solution that aligns with Sharia law. Moreover, their demo account system is a gem for learners and seasoned traders alike, allowing the testing of strategies without financial risk. When it’s time for real trades, rest assured that Pepperstone, regulated by several top-tier authorities, is a secure environment for your investment endeavors.

Pepperstone
4.6/5
Pepperstone Stocks
Go to Pepperstone
Pepperstone Highlights
  • Reliable and Transparent
  • Regulatory Rigor
  • Suite of Empowering Tools
Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.

A Look into FP Markets’ Trading Services

FP Markets
  • Regulated by ASIC and CySEC
  • Extensive range of tradable instruments
  • No time limit on demo account
  • Advanced trading platforms
  • Possible inactivity fees
  • Islamic account administration fees after grace period

When exploring the bustling world of trading, a standout service like FP Markets deserves attention. Recently, we navigated the ins and outs of their extensive offerings, which range from forex to cutting-edge cryptocurrency trades. With FP Markets, stepping into the financial markets becomes a streamlined and intuitive experience. Boasting a robust regulatory framework by ASIC and CySEC, they deliver an environment where safety and transparency are paramount. Their MetaTrader 4 and MetaTrader 5 platforms, along with the Iress trading platform, furnish traders with a rich array of tools, accommodating novices and seasoned investors alike.

Furthermore, FP Markets offers a generous demo account setup that truly sets them apart. With a starting virtual balance of $100,000 and no listed time limit, you can practice your strategies extensively. This functionality is particularly beneficial for algorithmic traders and those eager to test new concepts in a dynamic, risk-free environment. Stepping into the world of FP Markets, we were impressed by the ease with which one can enter and navigate through the trading landscapes of various international markets, including stocks, ETFs, and cryptocurrencies.

In today’s fast-paced and complex financial markets, finding a broker that serves a wide array host of instruments including the best broker for day trading, can be a game-changer. FP Markets caters to this need admirably by offering access to over 10,000 share CFDs, multiple account currencies, and specialized options like Islamic accounts. The diversity of FP Markets allows traders to fine-tune their portfolios with precision, tapping into commodities, bonds, and even emerging assets like cryptocurrencies with relative ease.

FP-Markets
4.5/5
FP-Markets CFD Crypto
T&Cs apply, 18+
Go to FP-Markets
FP-Markets Highlights
  • Seamless Mobile Integration
  • No Proprietary Platform
  • Higher Minimum for Iess

ActivTrades: A Reliable Platform for Micro Investing

ActivTrades
  • Regulated in multiple jurisdictions
  • Free demo account for practice
  • Offers Islamic Account option
  • High level of investor protection
  • Fees on non-EEA credit/debit card deposits
  • Limited to CFDs and no options trading

In the rapidly evolving world of micro investing, where ease of use and diverse investment options reign supreme, ActivTrades stands out as a beacon for those venturing into the bustling markets. Offering a plethora of CFDs on stocks, ETFs, cryptocurrencies, and commodities, this platform ensures that even with modest amounts, you can tap into global financial trends. The intuitive design of their in-house ActivTrader platform, combined with advanced tools, is a testament to their commitment to both novice and seasoned investors. As micro-investment grows in popularity among forward-thinking financial enthusiasts, ActivTrades provides a seamless entry point with its comprehensive educational resources and user-friendly environment.

Embracing the advantages of micro investing has never been easier, thanks to ActivTrades’ no withdrawal fee policy, among other user-centric features. By integrating cutting-edge technology with robust support channels—including a responsive live chat service and dedicated phone assistance—ActivTrades helps you navigate the financial waves with confidence. The addition of a free demo account is the cherry on top, enabling you to hone your strategy in a simulated environment before diving into real-world trading. With such features at your disposal, exploring through ActivTrades could open up a realm of possibilities to grow your financial portfolio innovatively and responsibly.

Conclusion

The best micro investing apps are favored for their ease of use, flexibility, and the ability for anyone to start investing without needing a large sum of money upfront. They democratize investing, making it accessible and manageable.

To discover which micro investing app is most suitable for you, check our on-page banners for the latest offers in your area and for further details, remember to compare different apps and look out for features that align with your set financial goals such as the best cryptocurrency broker in South Africa. Begin your investing endeavour today and watch your spare change grow into a more substantial investment over time.

Check Out These Premier Trading Platforms

Pepperstone
1.
4.6/5
Visit Provider
Between 74-89 % of retail investor accounts lose money when trading CFDs. You should consider whether you understand how CFDs work and whether you can afford to take the high risk of losing your money.
eToro
2.
4.6/5
Visit Provider
eToro is a multi-asset investment platform. The value of your investments may go up or down. Your capital is at risk.
Capital.com
3.
4.5/5
Visit Provider
74% of retail investors lose money.
VT Markets
4.
4.5/5
Visit Provider
T&Cs apply, 18+
XTB
5.
4.5/5
Visit Provider
T&Cs apply, 18+

Frequently Asked Questions

📱 What are the best features to look for in a micro investing app?

The best features to look for in a micro investing app include round-up investments that save your spare change, a diverse range of investment options such as ETFs, automatic contributions for recurring investment, educational resources to help beginners understand investing, and user-friendly interfaces that simplify the investment process.

🌱 What are the benefits of using a micro investing app?

The benefits of using a micro investing app include accessibility, allowing users with limited capital to invest in the stock market; convenience, as these apps make investing a seamless part of daily life; educational tools, which improve financial literacy; and the option for socially responsible investing. However, one must be mindful of the potential for smaller returns, the impact of any associated fees, and the limited control over investment choices compared to traditional accounts.
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To choose the right micro investing app, consider your investing goals and preferences. Look for an app that offers low fees, diverse portfolio options, and features that suit your investment strategies, such as socially responsible funds if that aligns with your values. Additionally, always check our on-page banners for the most current offers and promotions available in your area before making a decision.

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