What is the best app to invest and make money in 2025?

Access to financial markets has become significantly democratized in recent years. Today, anyone with a smartphone can start investing with little money, without the need for large initial capital. The key is choosing the right app that suits your needs, risk profile, and financial goals.

The current landscape of investment apps

Modern platforms for investing and earning money offer intuitive interfaces, accessible minimum deposits (from $5 in some cases), and access to multiple markets: cryptocurrencies, stocks, forex, commodities, and indices. What sets these apps apart is how they combine ease of use with professional tools, solid regulation, and competitive costs.

Analysis of the 5 most prominent platforms

MiTrade: The Asian broker with global expansion

MiTrade was founded in Australia less than a decade ago and has grown to 2.4 million users, mainly in the Asia-Pacific region. It is currently gaining traction in America and Europe thanks to its focus on CFD trading with reduced spreads.

Technical specifications:

• Minimum deposit: $20
• Maximum leverage: 1:200
• Regulation: ASIC, CIMA, FSC
• Markets: Stocks, currencies, commodities, cryptocurrencies, indices
• Commissions: 0%, only spreads

MiTrade’s strength lies in its fast execution, negative balance protection, and the ability to deposit via USDT. New users receive a $100 coupon. The demo account is free but limited to 90 days.

AvaTrade: Technological innovation from Ireland

Founded in 2006, AvaTrade combines a long track record with constant innovation. It offers proprietary tools like AvaTrade GO optimized for mobile, as well as MetaTrader 4 and 5.

Technical specifications:

• Minimum deposit: $100
• Maximum leverage: 1:30
• Regulation: FCA, CySEC, ASIC
• Markets: Stocks, currencies, commodities, bonds, cryptocurrencies, ETFs, indices
• Commissions: Spreads + $5 per withdrawal

AvaTrade stands out for its wide catalog of assets and automated copy trading. However, it charges inactivity fees after 3 months without trading.

Plus500: The platform for experienced investors

Launched in 2008, Plus500 specialized from the start in online CFD trading. With 25 million users worldwide, it is recognized for its comprehensive interfaces and sponsorships of elite sports teams.

Technical specifications:

• Minimum deposit: $100
• Maximum leverage: 1:30
• Regulation: FCA, CySEC, ASIC
• Markets: Stocks, currencies, commodities, cryptocurrencies, ETFs, indices
• Commissions: Spreads + monthly inactivity fee

Plus500 offers price change alerts and unlimited free demo access. It is ideal for users with prior trading experience, though less intuitive for absolute beginners.

XM: Global sophistication with presence in 196 countries

XM has been operating since 2009 with 2.5 million clients worldwide. Its platform is sophisticated, allowing 4 different account types and complex tools like MetaTrader 4 and 5.

Technical specifications:

• Minimum deposit: $5 (the lowest in the market)
• Maximum leverage: 1:1000
• Regulation: FCA, IFSC, DFSA, CySEC, ASIC
• Markets: Stocks, currencies, commodities, cryptocurrencies, indices
• Commissions: Spreads from 0.01 pips + $15 inactivity fee

XM is distinguished by its low entry threshold, constant economic analysis, and opportunities for in-person activities. Copy trading is also available.

eToro: Accessible democratization of markets

eToro is known for making investing simple. With over 30 million clients, it stands out for allowing both CFD trading and purchasing real assets, especially cryptocurrencies and stocks.

Technical specifications:

• Minimum deposit: $50
• Maximum leverage: 1:30
• Regulation: FCA, CySEC, ASIC
• Markets: Stocks, currencies, commodities, cryptocurrencies, ETFs, indices
• Commissions: Spreads + $5 per withdrawal

eToro excels in operational simplicity: open an account, make a position, everything is straightforward. Its Membership Club offers progressive discounts. Copy trading is integrated. The downside is that it may be limited for advanced traders.

Essential criteria for choosing your investment app

Security and regulation: Working only with regulated brokers is non-negotiable. FCA licenses (United Kingdom), CySEC (Cyprus), ASIC (Australia), CNMV (Spain), FSC (Virgin Islands), and FINRA (USA) ensure rigorous oversight. An unregulated broker exposes your funds to fraud.

Execution speed: In trading, milliseconds matter. Platforms like MiTrade stand out for maintaining consistent speed across web and apps. Check execution times before committing.

Product offering: A diversified portfolio requires access to multiple markets. Look for platforms offering cryptocurrencies, stocks, forex, and indices. Quality over quantity: better 50 well-chosen assets than 500 with low liquidity.

Cost structure: Costs erode profitability. Compare spreads, commissions, inactivity fees, and withdrawals. A platform with 0% commissions but high spreads can be more expensive than one with fixed fees.

Risk management tools: Stop-loss and take-profit are essential. Ensure the platform allows automation of exits to limit losses. Leverage is a double-edged sword: useful but dangerous without proper management.

24/7 customer support: Technical issues can happen at any time. Choose platforms with multi-channel support available permanently in your language.

Recommendations based on your profile

For beginners with a low budget: MiTrade (minimum deposit from $20, free demo, zero commissions) or XM (minimum deposit from $5, extensive educational analysis).

For experienced investors: Plus500 or XM, whose tools and leverage (up to 1:1000 in XM) enable sophisticated strategies.

For those seeking both real investment + CFD: eToro is the only option combining both, though with higher fees.

For automated traders: AvaTrade, XM, and eToro offer integrated copy trading.

Conclusion

Choosing the best app to invest and make money depends on your specific goals, risk tolerance, and experience. All mentioned platforms are regulated and accessible. The initial step recommended is to open a demo account on 2-3 of them to test the interface, execution speed, and user experience without risking real capital. Once you identify the one that best fits your style, you can activate the real account with confidence. Remember, in investing there is no “the best” absolute platform, only the best for you.