Best Investing Accounts for Every Type of Investor
An investing bank account is a modern financial solution that merges everyday banking with direct access to investment options such as stocks, ETFs, and cryptocurrencies. Unlike traditional checking or savings accounts, it allows users to manage their money and grow their wealth through investing—all within the same platform. Many fintechs and neobanks now offer built-in trading features or integrations with popular brokerages, making it convenient to save, spend, and invest seamlessly. These accounts are perfect for individuals who want to simplify their finances and take a more active role in building their financial future.
Complete List of Banks with Investment Features
Trade Republic Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 1 |
Trade Republic
(Germany / EU 🇩🇪🇪🇺)
|
|
|
90
|
Go To Site |
Pros
- Low-cost commission-free investing
- Fractional shares and savings plans
- Simple, intuitive mobile app
- Strong European regulatory backing
Cons
- Limited multi-currency support
- No traditional banking features (no full current account)
- Only available in select EU countries
About Trade Republic
Trade Republic is a popular German-based online broker that offers commission-free investing with a focus on simplicity and low costs. It provides access to stocks, ETFs, crypto, and commodities like gold and silver, along with flexible savings plans and fractional investing options. Trade Republic operates with a banking license and IBAN accounts to facilitate easy transfers. Its intuitive mobile platform makes it ideal for beginner and casual investors across Germany and other European countries, with a strong regulatory framework ensuring investor protection.
N26 (via Bitpanda) Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 2 |
N26 (via Bitpanda)
(Germany / EU 🇩🇪🇪🇺)
|
|
|
85
|
Go To Site |
Pros
- Easy-to-use mobile banking app
- IBAN accounts with multi-currency support
- Integrated crypto trading via Bitpanda
- Multiple account plans with extra features
Cons
- No direct stock investing options
- Crypto only via third-party integration
- Some features restricted based on country
About N26
N26 is a popular German neobank offering easy-to-use mobile banking with IBAN accounts and multi-currency support. While it does not provide direct stock investing, N26 integrates with Bitpanda to offer instant crypto trading within the app, combining traditional banking with modern fintech services. With multiple account tiers, strong security, and wide EU availability, N26 appeals to users looking for a versatile and convenient banking experience.
Monzo (via Freetrade) Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 3 |
Monzo (via Freetrade)
(UK 🇬🇧)
|
|
|
83
|
Go To Site |
Pros
- Easy to use with intuitive mobile app
- Integrated investing via Freetrade
- Helpful budgeting and savings tools
- Fast and simple account setup
Cons
- No direct crypto trading
- Limited multi-currency options
- Only available to UK residents
About Monzo
Monzo is a well-known UK-based neobank offering straightforward mobile banking with excellent budgeting and savings features. Though it does not provide direct crypto trading, Monzo integrates with Freetrade, allowing customers to invest in stocks easily. The app’s user-friendly design and quick account setup make it popular among younger customers and those new to digital banking. Monzo is available to UK residents and continues to grow its feature set for personal finance management.
bunq Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 4 |
bunq
(Netherlands / EU 🇳🇱🇪🇺)
|
|
|
85
|
Go To Site |
Pros
- Strong multi-currency account options
- Innovative banking features and customizable IBANs
- Crypto accessible via partner apps
- Eco-friendly and user-centric approach
Cons
- No direct stock trading
- Monthly fees vary by plan
- Crypto requires third-party apps
About bunq
bunq is a progressive Dutch neobank known for its flexibility and strong multi-currency support. It offers customers customizable accounts with multiple IBANs, making it ideal for freelancers and frequent travelers. While direct stock trading is not available, crypto access is possible via partner applications. bunq’s focus on sustainability and innovative features attracts a tech-savvy user base looking for modern banking solutions across the EU.
SoFi Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 5 |
SoFi
(USA, expanding to EU 🇺🇸🇪🇺)
|
|
|
88
|
Go To Site |
Pros
- Commission-free stock and crypto investing
- Comprehensive budgeting and planning tools
- No monthly fees
- Simple and user-friendly app
- Growing presence in EU markets
Cons
- Multi-currency support is limited
- Not yet fully established in EU
- No commodities or precious metals investing
About SoFi
SoFi is a US-based fintech and neobank rapidly expanding into European markets, offering commission-free stock and cryptocurrency trading alongside traditional banking services. Known for its strong budgeting and financial planning tools, SoFi appeals to both beginner investors and experienced users seeking easy-to-use, low-cost financial products. Though its multi-currency options are still limited, its user-friendly platform and zero monthly fees make it a competitive choice for European customers as it scales.
Plum Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 6 |
Plum
(UK / EU 🇬🇧🇪🇺)
|
|
|
85
|
Go To Site |
Pros
- Automated savings and investing tools
- Supports both ETF and crypto investments
- AI-powered budgeting assistant
- Free tier available
- Great for beginners building long-term wealth
Cons
- Limited multi-currency support
- No direct stock trading
- Some features require premium subscription
About Plum
Plum is a smart savings and investment app designed to automate your money management. It helps users save effortlessly and invest in ETFs and cryptocurrencies with ease. Powered by AI, Plum offers budgeting insights and flexible plans including a free option, making it accessible for new investors looking to build long-term wealth. Although its multi-currency support is limited, Plum stands out for combining automated savings with straightforward investing.
Rebank Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 7 |
Rebank
(UK Business 🇬🇧)
|
|
|
83
|
Go To Site |
Pros
- Designed specifically for startups and businesses
- Supports multi-currency and international payments
- Integrates with brokers and crypto wallets
- Easy online account setup
Cons
- No direct stock trading
- Crypto only via integrations, not native
- Limited to business clients
About Rebank
Rebank is a business banking platform tailored for startups and businesses that invest globally. It offers multi-currency accounts with seamless international payments and currency exchange. While it does not provide direct stock trading, it integrates well with brokers and crypto wallets, making it a versatile choice for business clients engaged in cross-border investing. Rebank provides a simple online onboarding experience focused on business needs.
Curve (Flex) Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 8 |
Curve (with Curve Flex)
(UK / EU 🇬🇧🇪🇺)
|
|
|
84
|
Go To Site |
Pros
- Combine multiple bank cards into one
- Flexible buy-now-pay-later feature
- Supports multi-currency spending
- Integrates with crypto and brokerage apps
- Rewards and cashback programs
Cons
- No direct stock or crypto trading
- Buy-now-pay-later may encourage overspending
- Limited banking features beyond card
About Curve
Curve is a financial service that consolidates multiple bank cards into a single smart card and app. Curve Flex adds a buy-now-pay-later feature, giving users more control over their spending. While Curve does not offer direct trading or traditional banking accounts, it excels in multi-currency spending with real exchange rates and cashback rewards. Curve integrates with crypto wallets and brokerages to extend its utility beyond simple payments.
Ziglu (Robinhood) Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 9 |
Ziglu
(UK 🇬🇧 by Robinhood UK)
|
|
|
82
|
Go To Site |
Pros
- Fractional shares investing
- Integrated crypto buy, sell, hold
- Multi-currency GBP and EUR accounts
- Backed by Robinhood UK
- Fast, user-friendly app
Cons
- Limited to UK residents
- No commodity investments
- Some features require premium tier
About Ziglu
Ziglu is a UK-based fintech backed by Robinhood UK, offering a simple way to invest in fractional shares and trade cryptocurrencies. It supports multi-currency accounts in GBP and EUR with fast payments and peer transfers. Ziglu’s user-friendly app and low fees make it a solid choice for UK residents looking for integrated stock and crypto investing without complicated setups.
Revolut Investing Account
| # | Bank | Account Info | Highlights | Rating | Visit |
|---|---|---|---|---|---|
| 10 |
Revolut (UK/EU 🇬🇧🇪🇺)
|
|
|
92
|
Go To Site |
Pros
- Easy access to stocks, crypto, and commodities
- Multi-currency support for international use
- User-friendly mobile and web apps
- Various pricing plans to fit different needs
Cons
- Limits on free trades depending on plan
- Some features not available in all countries
- Customer support can be slow during peak times
About Revolut (UK/EU 🇬🇧🇪🇺)
Revolut is a leading neobank offering a wide range of financial services, including seamless multi-currency accounts, stock and cryptocurrency trading, and commodity investments like gold and silver. Its intuitive platform caters to international users with flexible plans, advanced budgeting tools, and real exchange rates. Revolut is ideal for investors who want an all-in-one digital banking and investing experience under one roof, with easy online account setup and comprehensive mobile access.
Finding the Right Online Investing Account for Your Needs
Finding the right online investing account depends on your goals, experience level, and the types of assets you want to access. Beginners might prioritize simplicity and robo-advisors, while experienced investors may seek low fees and advanced tools. Some platforms offer integrated banking, crypto, and ETF options in one app, while others focus on niche features. Consider whether you need automated guidance, real-time trading, or multi-currency support before choosing.
Trading Costs and Commissions
These days, most online brokers have waved goodbye to standard stock trading commissions — but don’t celebrate just yet. If you’re dabbling in options trading, keep an eye out for sneaky per-contract fees that still linger, usually landing between $0.50 and $0.65. Fortunately, a few forward-thinking brokers have dropped this charge entirely. If options are your game, be sure to check out our handpicked list of top brokers that give you more trades for your buck.
Monthly and Maintenance Fees
While many modern investing platforms boast zero-commission trades, some still sneak in monthly or maintenance fees just for keeping your account open. These charges can chip away at your gains, especially if you’re a casual investor or just starting out. Luckily, plenty of brokers have ditched these fees to attract cost-conscious users. Always read the fine print — a “free” account isn’t always what it seems.
Order Execution Speed and Reliability
In the world of investing, a few milliseconds can mean the difference between a win and a missed opportunity. That’s why fast, reliable order execution is more than just a perk — it’s essential. Top-tier brokers make sure your trades go through quickly and at the price you expect, even during volatile market swings. If your platform lags or fumbles the handoff, your portfolio could feel the hit.
Best Robo-Advisors for Hands-Off Investors
| Platform / Bank | Robo-Advisor | Notes |
|---|---|---|
| Trade Republic | ❌ No | Manual ETF investing and savings plans, but no full robo-advisory. |
| N26 (via Bitpanda) | ❌ No | Crypto access only; no robo-investment support. |
| Monzo (via Freetrade) | ❌ No | Freetrade does not offer robo-advisors; investing is self-directed. |
| bunq | ❌ No | Crypto and savings via integrations, but no robo-advisory tools. |
| SoFi | ✅ Yes | SoFi Invest includes free robo-advisor services. |
| Plum | ✅ Yes | Offers automated investing portfolios tailored to risk profile. |
| Rebank | ❌ No | Business-focused; no consumer robo-advisory offering. |
| Curve (with Curve Flex) | ❌ No | Acts as aggregator; no investing/robo services directly. |
| Ziglu (by Robinhood UK) | ❌ No | Simple crypto/stocks app; no robo-investing tools. |
Top Investing Accounts Questions
They use strong encryption, two-factor authentication, and regulatory safeguards to protect your funds and personal data.
Most offer commission-free trades, but watch for small fees on options, withdrawals, or premium features.
You’ll find brokerage, retirement, custodial, and even crypto-friendly accounts — each serving different goals.
Yes, many modern platforms let you trade all three in one place for easy portfolio management.
Some accounts require no minimum, while others may need a few hundred to a few thousand euros to get started.
Transfers are usually quick and simple, with most platforms supporting bank links and fast payouts.