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Top 10 Investment Apps in Germany You Should Try

 Investing has never been easier, thanks to the rise of mobile apps that allow you to buy stocks, ETFs, and other assets directly from your smartphone. Whether you’re a beginner or an experienced investor, the right investment app can make building your portfolio easier, faster, and more cost-effective.

In this guide, we’ll cover the top 10 investment apps in Germany in 2025, their features, fees, and why investors are choosing them.

Why Use Investment Apps in Germany?

Investment apps offer several advantages over traditional brokers:

  • Convenience: Manage your investments anytime, anywhere.

  • Low Fees: Many apps charge zero or minimal commission fees.

  • Fractional Shares: Invest small amounts in expensive stocks or ETFs.

  • Education: Access tutorials, news, and market insights.

  • Automation: Some apps allow automatic savings and investing plans.

Using an app can help beginner investors get started quickly and allow seasoned investors to manage their portfolios efficiently.

1. Trade Republic

Features:

Why It’s Popular:
Trade Republic is ideal for beginners who want low fees and simplicity. Its savings plans make long-term investing automatic and affordable.

2. Scalable Capital

Features:

  • Robo-advisor services for automated portfolio management

  • ETF portfolios tailored to risk tolerance

  • Transparent, low-cost fee structure

  • Options to invest in stocks and ETFs

Why It’s Popular:
Perfect for investors who prefer passive investing and want professional portfolio management without high fees.

3. DEGIRO

Features:

  • Low-cost brokerage for international and domestic stocks

  • Access to ETFs, bonds, and options

  • Web and mobile platforms

  • No account maintenance fees

Why It’s Popular:
DEGIRO is favored by experienced investors looking for a broad range of investment options at minimal cost.

4. justTRADE

Features:

  • Commission-free trades in stocks, ETFs, and crypto

  • Mobile app and web trading platform

  • Supports fractional shares and savings plans

Why It’s Popular:
justTRADE is gaining attention for its crypto integration and zero-fee structure, appealing to younger investors.

5. Smartbroker

Features:

  • Large selection of stocks, ETFs, and funds

  • Low transaction fees and special offers on ETFs

  • Supports bank transfers and securities lending

Why It’s Popular:
Smartbroker offers professional trading tools and low-cost ETFs, making it ideal for serious investors and long-term savers.

6. Comdirect

Features:

  • Full-service bank with investment options

  • Stocks, ETFs, funds, and derivatives

  • Savings plans and robo-advisors available

  • Strong German regulatory oversight

Why It’s Popular:
Comdirect combines banking and investing in one platform, ideal for those who want all services under one roof.

7. Finanzen.net Zero

Features:

  • Commission-free stock and ETF trading

  • Fractional shares and mobile-friendly interface

  • Integrated market news and analytics

Why It’s Popular:
Best for investors who want simple trading with free commissions and easy access to market data.

8. eToro

Features:

  • Social trading platform for stocks, ETFs, and cryptocurrencies

  • Copy trading to mimic professional investors’ portfolios

  • Mobile and desktop access

Why It’s Popular:
eToro is popular for social trading and beginners who want to learn by following experienced investors.

9. Lynx

Features:

  • Professional trading tools for stocks, ETFs, and options

  • Access to global markets

  • Research and analysis tools

Why It’s Popular:
Lynx is ideal for advanced investors who require comprehensive trading tools and global market access.

10. N26 Invest

Features:

  • Integrated with N26 mobile banking app

  • Invest in ETFs and stocks with small amounts

  • Automated savings and portfolio suggestions

Why It’s Popular:
N26 Invest appeals to tech-savvy millennials who want a simple, mobile-first investing experience linked to their banking.

How to Choose the Right Investment App

Choosing an app depends on your experience, goals, and investment style:

  1. Beginner Investors: Trade Republic, N26 Invest, Finanzen.net Zero

  2. Passive Investors: Scalable Capital (robo-advisor, ETFs)

  3. Advanced Traders: DEGIRO, Lynx, Smartbroker

  4. Social/Copy Trading: eToro

  5. Bank-Integrated Investors: Comdirect, N26

Tip: Consider fees, investment options, and the security features of the app before signing up.

Tips for Safe Investing on Apps

  • Use Two-Factor Authentication (2FA): Protect your account from unauthorized access.

  • Verify App Regulation: Ensure it’s regulated by BaFin (German Federal Financial Supervisory Authority) or European authorities.

  • Start Small: Begin with small investments to understand how the platform works.

  • Diversify Investments: Don’t put all your money in one stock or ETF.

  • Keep Learning: Follow market news and investment guides to improve your strategy.

Advantages of Using Investment Apps in Germany

  • Low Fees: Many apps offer zero commission trades.

  • Accessibility: Invest anytime, anywhere from your phone.

  • Automation: Set up ETF savings plans and recurring investments.

  • Education: Access research, analysis, and news directly in the app.

  • Portfolio Tracking: Monitor performance in real-time.

Conclusion

Investment apps in Germany are revolutionizing the way people invest, making it easier than ever to grow wealth, diversify portfolios, and manage investments efficiently.

Whether you’re a beginner seeking simplicity or an experienced trader looking for advanced tools, there’s an app on this list that can help you achieve your financial goals.

Remember: Start with low-risk investments, diversify, and choose a regulated, secure platform. With consistency and smart investing, these apps can help you build long-term financial security in 2025 and beyond.

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Location: Germany

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