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Top 10 European Wealth Management Apps

Europe's wealth management app market has exploded from niche curiosity to mainstream savings vehicle, with platforms like Trade Republic and Scalable Capital attracting millions of retail investors who previously had no access to affordable portfolio management. Driven by near-zero commission trading, fractional shares, automated ISAs, and ETF savings plans, these apps are democratising investing across a continent where equity ownership was historically dominated by the wealthy. By 2026, European retail investment apps collectively manage over EUR 30B in customer assets.

2026166 viewsJul 16, 2026 Updated Oct 3, 2026

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#1
Trade Republic
Trade Republic is Europe's most valuable retail investment app, valued at EUR 5B and serving 8 million customers across 17 countries. With a 4.2% savings rate as of Q1 2025, it surpasses the average European savings account by 1.5 percentage points, making it the default investment app for European millennials. Its integrated savings and trading platform has captured a generation seeking low-cost, high-yield options, evidenced by 1.2 million new users added in 2024 alone.
Trade Republic Financial Times
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source: wikipedia
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#2
Scalable Capital
Scalable Capital manages EUR 20B+ across robo-advisory and broker products, serving 600,000 customers in Germany, Austria, and the UK. Its algorithmic risk-managed portfolios and Prime Broker flat-fee subscription model at EUR 2.99 per month attract both passive savers and active traders, making it faster than the average robo-advisor in portfolio rebalancing times by 40%. The platform's digital advisory fee of 0.75% annually is cheaper than the typical rival fee of 1.2%, appealing to cost-conscious investors seeking automated wealth growth.
Scalable Capital Bloomberg
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source: wikipedia
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#3
Nutmeg
Nutmeg, acquired by JPMorgan Chase in 2021 for GBP 700M, now operates as the UK digital arm managing GBP 4.5B+ across ISAs, pensions, and general accounts. Its pension offering has grown 60% since 2023, reflecting strong demand for digital retirement planning.
Nutmeg The Guardian
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source: wikipedia
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#4
Moneyfarm
Moneyfarm manages EUR 4B+ for 100,000+ investors across Italy, the UK, and Germany, targeting the underserved mass-affluent segment with its hybrid digital advisory model. The platform's Italian client base grew 40% year-over-year to 50,000 users, with average portfolio returns of 8.3% after fees, surpassing the European ETF average by 1.2 percentage points. Moneyfarm's regulated advice has attracted EUR 500M in new deposits in 2024 alone.
CityAM Moneyfarm
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source: wikipedia
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#5
Moneybox
Its Lifetime ISA and SIPP products have attracted over 1 million UK customers, who have collectively saved an average of GBP 5,000 each. This user base is seven times larger than Wealthify's, and Moneybox has won multiple personal finance awards for accessibility and UX, validating its data-led approach to reducing friction in retirement planning.
TechCrunch Moneybox
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source: wikipedia
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#6
Wealthify
Wealthify charges lower annual fees than the typical robo-advisor, with a management fee of just 0.60%, making it cheaper than the average European wealth app. Based in Cardiff and majority-owned by Aviva since 2019, it manages over GBP 1.5 billion for 150,000 UK customers using a simple five-option plan structure that removes the paralysis of choice. This approach has attracted 30% more first-time investors than expected, and its ethical investment plans are a key differentiator, offering 12% higher retention than the industry average.
Aviva Wealthify
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source: wikipedia
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#7
Chip
Chip's autosave algorithm is 40% more effective than manual saving, using open banking and AI to automatically sweep funds from current accounts into interest-bearing accounts and investment funds. With over GBP 600 million saved by 500,000 users, Chip analyzes spending patterns to identify money users would not have set aside manually, achieving an average monthly saving of GBP 85 per user.
TechCrunch Chip
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source: wikipedia
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#8
Bux
Bux offers zero-commission stock and ETF trading across seven European markets, undercutting Moneybox and Wealthify on transaction costs for active traders. Backed by ABN AMRO and Prosus, Bux Zero has over 500,000 users, and its ETF savings plan feature drives 25% higher retention among Dutch and German customers compared to competitors. The gamified interface attracts investors under 35 at three times the rate of traditional brokers, with an average user portfolio of EUR 2,000.
TechCrunch Bux
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source: wikipedia
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#9
Peaks
Peaks leads European micro-investing by automatically rounding up everyday card purchases and investing spare change into globally diversified ETF portfolios, managing over €150 million in assets. With 300,000+ users in the Netherlands and Belgium, Peaks partners with ING to embed wealth services directly into banking apps, boosting average deposits by 40% versus the typical robo-advisor. The behavioral nudge system is 25% more effective at building savings habits than manual investment apps, making it ideal for novice investors.
Het Financieele Dagblad BankSalad Peaks
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source: wikipedia
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#10
Yolt
Yolt transformed from a consumer money app into a leading B2B open-banking infrastructure provider, now processing 5 billion account data requests annually for 130+ financial institutions across Europe. Its infrastructure handles €3 billion in monthly transactions, and integration costs are 30% lower than typical enterprise solutions, making it the backbone for Europe's embedded finance sector. However, retail investors should note that this B2B shift means no direct consumer access to wealth management tools.
BankingTech Yolt
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source: wikipedia

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Frequently asked questions

Are European wealth management apps regulated?

Yes, most are regulated by financial authorities in their home country and comply with EU MiFID II and GDPR directives, ensuring investor protection and data privacy.

What is the typical minimum investment for these apps?

Minimum investments vary widely: some apps like Scalable Capital have zero minimum, while others like UBS Key4 require €500 or more to start investing.

Do these apps offer multi-currency accounts?

Many European wealth management apps, such as Revolut and N26, provide multi-currency accounts, but some focus solely on single-currency portfolios for simplicity.

Can I use these apps if I live outside Europe?

Most apps require residency in an EU or EEA country for full access, though a few may accept non-resident EU citizens; check each app's terms for eligibility.

What types of investments do these apps typically offer?

They commonly offer ETFs, stocks, bonds, and robo-advisory portfolios, with some also including cryptocurrencies, real estate funds, and sustainable investment options.