Most finance apps try to do one thing well. A broker handles stocks. A neobank handles cards and transfers. A tracker pulls everything into one view. A budgeting app watches what actually leaves the account. Pick the wrong app in any role and you end up with extra fees, slow transfers, or a portfolio scattered across five logins you cannot remember.
We reviewed more than 20 finance apps and landed on seven that cover the workflows most people actually need: buying stocks and ETFs, moving money between currencies, banking on the go, tracking a multi-asset portfolio, and keeping a budget. Each one is available on Aptoide or Google Play, regulated in its home market, and still in active development. This guide to the best apps for finance in 2026 is aimed at investors and self-directed savers in Europe and the UK, with notes where a pick also works in the US or globally.
What to look for in a finance app
Finance apps deal with money and personal data, so the bar is higher than for most software. These are the criteria that moved an app from the shortlist to the final seven:
- Regulation and deposit protection. FCA, CySEC, BaFin, KNF, SEC, or equivalent, with client funds segregated and covered by an investor compensation scheme.
- Fee transparency. Commissions, spreads, currency conversion, inactivity fees, and withdrawal costs all disclosed upfront.
- Product range. Stocks, ETFs, fractional shares, bonds, CFDs, forex, crypto, or a subset chosen deliberately, not by accident.
- App quality. Fast charts, reliable order entry, working push notifications, and biometrics for login.
- Customer support. A real channel that responds in hours, not days, in your language.
- Data portability. CSV export of transactions, connection to tax tools, and the ability to leave without losing history.
Quick comparison
| App | Best for | Regulation | Free plan | Main fee | Platforms |
|---|---|---|---|---|---|
| XTB | 0% stocks and ETFs in EU/UK | FCA, KNF, CySEC | Yes | 0.5% FX on non-account currency | iOS, Android, Web, desktop |
| Revolut | All-in-one banking and light investing | FCA, BoL, CBI | Yes | Free tier caps, paid plans from £3.99/mo | iOS, Android, Web |
| Wise | Multi-currency accounts and cheap FX | FCA, FinCEN | Yes | ~0.4% to 0.6% on transfers | iOS, Android, Web |
| IBKR Mobile | Professional and global investing | SEC, FCA, CBI, multiple | Yes | $0 or tiered commissions | iOS, Android, Web, TWS |
| Plus500 | CFD trading | FCA, CySEC, ASIC | Demo available | Spread only, no commission | iOS, Android, Web |
| Delta by eToro | Multi-asset portfolio tracking | N/A (tracker) | Yes | Pro from $8.49/mo | iOS, Android, Web |
| Monefy | Simple budgeting and expense tracking | N/A | Yes | Pro one-time $3.99 | Android, iOS |
The apps
1. XTB — best for commission-free stocks and ETFs in the EU and UK
XTB gives you access to more than 4,500 stocks and ETFs across 16 exchanges with 0% commission up to €100,000 of monthly turnover, then 0.2% (minimum £10) beyond that. The app covers real stocks (not CFDs) for long-term investors, plus CFD markets on forex, commodities, indices, and crypto for active traders. One account covers both.
The app has been through a significant redesign in 2025. Charts are fast, the economic calendar syncs into price alerts, and the Investment Plans feature lets you automate recurring buys across a basket of ETFs, like a self-built robo-advisor. Uninvested cash earns interest, currently at a rate that beats most retail banks. UK users get a Stocks & Shares ISA wrapper for tax-efficient investing.
Where it falls short: Currency conversion is 0.5% by default, which adds up if you buy US stocks from a GBP or EUR account. CFD trading carries the usual warning (71% of retail accounts lose money) and is a different product from buying real shares. Support by phone is only 24/5, not 24/7.
Pricing:
- 0% commission on stocks and ETFs up to €100k/month turnover
- 0.5% currency conversion on non-account currencies
- €10/month inactivity fee after 12 months of no activity and no deposits in the last 90 days
Platforms: iOS, Android, Web (xStation 5), desktop
Bottom line: The default broker app for most EU and UK investors building a long-term stock and ETF portfolio. Skip the CFD tab unless you know exactly what you are doing.
2. Revolut — best all-in-one banking and light investing
Revolut has grown from a multi-currency card into a full financial platform. One app gives you a UK or EU current account, 30+ currency balances, a debit card, savings vaults with interest, stock and ETF trading, crypto, commodities, and travel extras like eSIMs. For a huge chunk of users it replaces three or four separate apps at once.
The free Standard tier already covers daily banking, transfers within Revolut users in seconds, and up to £1,000 of ATM withdrawals per month. Paid tiers (Plus, Premium, Metal, Ultra) reduce FX markups, raise ATM limits, add travel insurance, and cut stock trading commissions. Revolut X, the exchange for active crypto traders, runs on top of the same account.
Where it falls short: Stock trading is functional but limited; for real portfolio building, XTB or IBKR are better. Customer support goes through in-app chat first, which can be slow when it matters. Account holds can happen without warning if the risk engine flags a transfer, and unfreezing takes days.
Pricing:
- Standard: free, 1% FX on weekends, limited ATM
- Plus: £3.99/month
- Premium: £7.99/month
- Metal: £14.99/month
- Ultra: £45/month
Platforms: iOS, Android, Web
Bottom line: A strong everyday money app for anyone who works across currencies, travels, or wants one place for cards, savings, and light investing. Pair it with a serious broker once you get past the basics.
3. Wise — best for multi-currency accounts and cheap FX
Wise (formerly TransferWise) gives you a real multi-currency account with local routing details in 24 currencies, including UK sort code, EU IBAN, US routing number, and Australian BSB. You receive salary or invoices in local currency, hold it, convert at the mid-market rate plus 0.4% to 0.6%, and spend with a Wise card globally. No spread games.
For freelancers, contractors, and small businesses billing overseas clients, Wise is the cleanest way to accept foreign payments without losing 3% to a traditional bank. Personal accounts include free FSCS-safeguarded storage of client funds, instant transfers to Wise users, and same-day transfers in 80+ currencies to regular bank accounts abroad.
Where it falls short: Not a bank. Funds are safeguarded but not covered by the £85,000 FSCS bank-deposit protection; that matters if you plan to store large balances long term. Investment features (the Wise Assets stock jar) are thin compared to dedicated brokers. Customer support is in-app chat and email; there is no phone option.
Pricing:
- Free account, free incoming transfers in most currencies
- Conversion: mid-market rate plus 0.4% to 0.6%
- Card issue fee in some regions, free to use abroad
Platforms: iOS, Android, Web
Bottom line: The right app for moving money across borders, getting paid in foreign currency, or keeping small working balances in multiple currencies. Not a replacement for a real bank account if you need deposit protection at scale.
4. IBKR Mobile — best for professional and global investors
IBKR Mobile is Interactive Brokers’ native trading app, and it is the tool of choice for anyone who actually cares about execution quality, asset coverage, and fees at scale. You get access to stocks, ETFs, options, futures, bonds, mutual funds, and forex on 150+ markets in 33 countries, from one account, with SmartRouting that searches multiple venues for the best fill.
Commissions are low by design: US stocks from $0 on the IBKR Lite plan, tiered from $0.0005 per share on Pro, and options from $0.15 per contract. Margin rates are among the cheapest in the industry, and securities lending programs share income back with you. The mobile app now mirrors TWS functionality: complex options orders, algo order types, conditional orders, and real-time risk metrics all work from your phone.
Where it falls short: The learning curve is steep. The interface is information-dense and assumes you already understand limit orders, margin, and option chains. IBKR Pro has account-level fees (data subscriptions, activity minimums) that can sting small accounts. Customer support is more efficient than friendly.
Pricing:
- IBKR Lite: $0 US stocks/ETFs, no minimum, free real-time US data
- IBKR Pro: tiered commissions, paid real-time market data by exchange
- Margin rates from benchmark + 0.75% (account size dependent)
Platforms: iOS, Android, Web, desktop (TWS)
Bottom line: The broker of choice if you trade actively, use margin, want access to non-US markets, or plan to grow an account past six figures. Overkill if you only buy two ETFs a month.
5. Plus500 — best for CFD trading
Plus500 is one of the original mobile-first CFD brokers, listed on the London Stock Exchange, and regulated in the UK, EU, Australia, and several other jurisdictions. The app gives you CFDs on 2,800+ instruments: indices, forex, commodities, shares, ETFs, options, crypto, and futures, all with leverage capped at the retail regulatory limit in your region.
The strength is execution and transparency. No commissions, just the spread, and the app shows a clean single-screen chart with a one-tap buy or sell. Risk tools (guaranteed stop orders, trailing stops, price alerts) are all built in, and demo accounts let you paper trade with unlimited virtual funds before risking real money. Plus500 has never offered real share ownership, only CFDs; it is not a long-term investment app.
Where it falls short: CFD trading is high risk. Plus500’s own disclosure notes that around 80% of retail accounts lose money trading CFDs with the provider. No real share purchases, no ISA, no long-term portfolio. Overnight financing (swap) fees on held positions can quietly eat returns. Not available in the US.
Pricing:
- Commission-free, spread only
- Overnight funding/swap on leveraged positions
- Inactivity fee after three months dormant
Platforms: iOS, Android, Web
Bottom line: A specialist tool for traders who understand CFDs and want a simple mobile UI with good risk controls. Do not confuse it with investing in real shares.
6. Delta by eToro — best portfolio tracker across assets
Delta is a multi-asset portfolio tracker owned by eToro but run as a neutral app. It brings together stocks, ETFs, crypto, options, forex, indices, and funds in one view, with live prices and a consolidated net-worth chart. Connect brokers and exchanges via API or upload CSV transactions; the app does the math and keeps cost basis, realized gains, and dividends clean.
The free tier already covers most personal use: unlimited manual portfolios, up to two exchange connections, and unlimited watchlists. Delta Pro (paid) unlocks unlimited broker/exchange connections, tax export reports, and advanced analytics. The UI is cleaner than any broker’s own portfolio tab and updates faster than most.
Where it falls short: Tracker only, no trading. Some lesser-known brokers and neobanks do not connect via API; those transactions have to be imported manually. Tax reports work well for major jurisdictions but can need review before filing.
Pricing:
- Free: unlimited manual portfolios, 2 exchange connections
- Pro: from $8.49/month (annual) for unlimited connections and tax tools
Platforms: iOS, Android, Web
Bottom line: Install Delta the moment you hold positions at more than one broker. It turns a scattered mess into a single number you actually want to check.
7. Monefy — best for simple expense tracking and budgeting
Monefy is a lightweight budgeting app with a single-screen interface built around a visual category grid. Tap a category, enter the amount, done. No bank connections, no ads in the paid version, no social features. The whole point is speed: logging an expense takes less than five seconds.
Under the hood, the app still covers what most people need: recurring expenses, multiple accounts (cash, cards, savings), multi-currency support, budgets per category, CSV export, and Dropbox/Google Drive sync between devices. Data stays on your device unless you enable sync. For a tool that is about building a habit, the low friction is worth more than fancy bank-connection features.
Where it falls short: No automatic bank import, which makes it a poor fit for active traders who want every card swipe categorized automatically. The design has not changed much in several years, which is a plus for consistency but a minus if you like refreshed interfaces.
Pricing:
- Free with ads
- Pro: one-time purchase of $3.99 (no subscription)
Platforms: Android, iOS
Bottom line: The budgeting app for people who have tried and quit three others. Low friction beats fancy features every time, and the one-time price avoids yet another subscription.
How to pick the right one
If you are starting from zero and want to build a long-term stock and ETF portfolio in the EU or UK, pick XTB. Real shares, 0% commission up to a generous volume, and interest on idle cash.
If you want one app that handles daily spending, travel FX, and a small side of investing, pick Revolut. It will not replace a dedicated broker at scale, but it replaces three or four other apps on your phone.
If you get paid in multiple currencies, freelance for overseas clients, or move sums across borders regularly, pick Wise. Mid-market rates plus a small fee beat any traditional bank on FX.
If you trade actively, use options, want non-US markets, or run an account past $50k, pick IBKR Mobile. The learning curve is real, and it pays back the moment you need something a retail app cannot do.
If you already understand CFDs and want a clean mobile trading UI with regulated spreads, Plus500 is worth a look. Stay away if you are new to trading; losses add up fast.
Once you hold positions at more than one institution, install Delta by eToro. It turns a confused collection of logins into one dashboard.
For budgeting, start with Monefy and move on later if you outgrow it. Most people do not.
The worst outcome is using a single app for every job because the app you happen to have advertises it can do everything. Pick the right tool for each role and check once a month that the stack still makes sense.
FAQ
What is the best app for investing in stocks in 2026? XTB is the best app for most EU and UK investors buying stocks and ETFs long term, with 0% commission up to €100k/month of turnover, 4,500+ real shares, and an ISA wrapper in the UK. For US investors or anyone needing options, futures, and non-US markets, IBKR Mobile is a better fit. Trading 212 is a close alternative to XTB for commission-free UK and EU investing, though it is not available on Aptoide.
Is Revolut safe to use as my main bank? Revolut holds a banking licence in the EU (via Revolut Bank UAB in Lithuania) and in the UK (Revolut Bank, authorised in 2024). EU balances are protected up to €100,000 by the Lithuanian deposit guarantee scheme. UK balances are covered up to £85,000 by the FSCS. Outside those jurisdictions, balances are held through e-money institutions with safeguarding rather than deposit insurance. For most everyday use it is safe, but check which entity holds your account before storing large balances.
What is the cheapest way to send money internationally? Wise is consistently the cheapest for regular transfers under £5,000, with fees from 0.4% and the mid-market rate. For larger sums (€10k+) to a limited set of major currencies, some specialist FX brokers beat Wise. Revolut is competitive on weekdays, but adds a 1% FX markup on weekends that most people miss.
Which app is best for a beginner investor? XTB or Revolut, depending on how committed you are. XTB is better if you know you want to invest in stocks and ETFs regularly and care about the long term. Revolut is the softer entry: you already use it for payments, adding a small stock purchase takes two taps, and you can start with a few euros. Move to XTB or IBKR once your portfolio is large enough to care about costs.
Are finance apps safer than browser-based platforms? Native mobile apps add biometric login and app-level isolation that browsers do not, which makes them slightly safer on a personal phone. The main risks sit elsewhere: phishing emails claiming to be from your broker, SIM-swap attacks targeting 2FA, and reused passwords. Use a password manager, enable app-based 2FA (not SMS where you can avoid it), and verify every large withdrawal via a separate channel.
Can I use one app to track investments, crypto, and bank accounts? Yes, Delta by eToro covers stocks, ETFs, options, forex, and crypto in one place, and connects to most major brokers and crypto exchanges. CoinGecko and Kubera are alternatives weighted toward crypto and net-worth respectively. No tracker connects to every bank; expect to manually import a couple of accounts.
