Complete Guide: How to Choose the Best Apps to Invest Money in 2025

Choosing an app to invest money can be overwhelming given the vast options available in the market. However, knowing the right criteria greatly simplifies this task. In this article, we analyze five top apps for investing money that combine security, functionality, and accessibility, allowing both beginners and experienced traders to find tools suited to their needs.

Key Factors for Choosing an Investment App

Before downloading any app, it is essential to consider certain parameters that will determine the success of your investing experience.

Security and Regulation: Protecting your funds is a priority. Only work with platforms regulated by authorized bodies such as FCA (United Kingdom), CySEC (Cyprus), ASIC (Australia), or CNMV (Spain). This oversight ensures regulatory compliance and secure custody of positions.

Execution Speed: In financial operations, agility is critical. You need a platform that allows you to open and close positions instantly, with orders executed without unnecessary delays.

Asset Variety: An efficient portfolio requires diversified access. Look for apps that offer cryptocurrencies, forex, stocks, indices, commodities, and ETFs in one place, emphasizing quality over quantity.

Cost Structure: Spreads and commissions directly impact profitability. Compare platforms that minimize expenses without compromising service.

Risk Management Tools: Stop-loss, take-profit, and leverage options are essential to protect investments and maximize opportunities.

24/7 Customer Support: Markets never sleep. You need support available at any time for eventualities.

Leading Apps for Investing Money: Detailed Analysis

MiTrade: Simplicity and Competitiveness

Founded in Australia, MiTrade specializes in CFD trading and has expanded across Asia Pacific with 2.4 million users. Its intuitive app maintains smooth operation on web browsers as well as on iOS and Android.

Technical Features:

• Markets: Stocks, currencies, commodities, cryptocurrencies, indices
• Regulation: ASIC, CIMA, FSC
• Leverage: Up to 1:200
• Minimum deposit: $20 USD
• Payment methods: Transfer, cards, Neteller, Skrill, Worldpay, PayID, USDT
• Commissions: 0% (only spreads)
• Demo account: Free with $50,000 virtual funds

Advantages: Exceptional liquidity, USDT deposits, negative balance protection, new users receive a $100 coupon, fast execution.

Limitations: Demo period restricted to 90 days.

AvaTrade: Innovation in Automation

Founded in Ireland in 2006, AvaTrade revolutionized automated investing through Zulu Trade and Dupli Trade. Its AvaTrade GO tool is optimized for mobile, in addition to supporting MetaTrader 4 and 5.

Technical Features:

• Markets: Stocks, currencies, commodities, bonds, cryptocurrencies, ETFs, indices
• Regulation: FCA, CySEC, ASIC
• Leverage: Up to 1:30
• Minimum deposit: $100 USD
• Payment methods: Transfer, cards, PayPal, Neteller, Skrill
• Commissions: Spreads + $5 per withdrawals
• Demo account: Available with time limits

Advantages: Wide asset catalog, integrated copy trading, robust fund security.

Limitations: Inactivity fee after 3 months without trading, annual management fee for prolonged inactivity.

Plus500: Popularity and Operational Clarity

Established in 2008, Plus500 has positioned itself as a leader in online CFD trading. With 25 million users and prominent sports collaborations, its app combines completeness with an accessible interface.

Technical Features:

• Markets: Stocks, currencies, commodities, cryptocurrencies, ETFs, indices
• Regulation: FCA, CySEC, ASIC
• Leverage: Up to 1:30
• Minimum deposit: $100 USD
• Payment methods: Transfer, cards, PayPal, Apple Pay, Skrill, Sofort
• Commissions: Spreads + $10 monthly inactivity fees
• Demo account: Free and unlimited

Advantages: User-friendly interface for beginners, customizable alert notifications, unlimited access to demo.

Limitations: Inactivity fee, potentially long withdrawal times. Note: Beware of fake platforms; verify authenticity.

XM: Global Sophistication

Operating since 2009 in 196 countries with 2.5 million clients, XM stands out for constant economic information, analysis, and news that help anticipate market movements.

Technical Features:

• Markets: Stocks, currencies, commodities, cryptocurrencies, indices
• Regulation: FCA, IFSC, DFSA, CySEC, ASIC
• Leverage: Up to 1:1000
• Minimum deposit: $5 USD
• Payment methods: Transfer, cards, Neteller, Skrill
• Commissions: $15 Inactivity, spreads from 0.01 pips
• Demo account: Free

Advantages: Low entry barrier, multiple account types, maximum leverage, copy trading, in-person programs.

Limitations: Inactivity fee, higher spreads than competitors, temporary restrictions on coupons.

eToro: Democratizing Finance

Known for simplifying access to markets, eToro combines CFD trading with spot assets. Its 30 million users value direct, straightforward operation.

Technical Features:

• Markets: Stocks, currencies, commodities, cryptocurrencies, ETFs, indices
• Regulation: FCA, CySEC, ASIC
• Leverage: Up to 1:30
• Minimum deposit: $50 USD
• Payment methods: Transfer, cards, PayPal, Neteller, Skrill, Sofort
• Commissions: Spreads + $5 withdrawals
• Demo account: Free

Advantages: Simple interface, member club with discounts, robust copy trading.

Limitations: Withdrawal and inactivity fees, high spreads, complex KYC process.

Main Regulatory Bodies

Next Steps: From Theory to Practice

Trading through investment apps is accessible, agile, and increasingly attractive. It provides a sense of continuous control and facilitates daily monitoring of positions. We recommend:

1. Assess your needs: Identify which assets you want to trade and which tools you prioritize.
2. Test with demo: All these platforms offer demo accounts. Use them to familiarize yourself risk-free.
3. Verify regulation: Confirm that the broker holds recognized licenses in your jurisdiction.
4. Compare costs: Analyze spreads, commissions, and inactivity fees among options.
5. Start cautiously: Begin with the minimum deposit and gradually increase capital as you gain experience.

Once you find the platform that best aligns with your goals, open a real account and start trading with your own capital. The market rewards preparation and discipline.