There are heaps of great investment apps in the Netherlands, ready to give you a head start on your financial goals.
We get it, the thought of investing your hard-earned money can sound daunting, and it might not be for everyone.
Thankfully, investment apps can make it just a little bit easier, so you can give your wallet (and perhaps yourself) a well-deserved confidence boost.
We’ve found the best investment apps in the Netherlands that are available in English, super-easy to use, and have great options for returns on your cash.
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1. DEGIRO: Known, trusted, and widely used
With handy instruction videos and other educational tools to help you get started, DEGIRO is perfect for anyone new to investing.
The platform has been praised for being very easy to use, and the low fees and good customer service make DEGIRO stand out in the crowd of Dutch investment apps.
DEGIRO is ideal for those who are testing the waters of investment. You can even choose specific companies to put your money into if you’re feeling confident.
✅ Pros:
- Low fees
- Easy to use
- Commission-free ETFs (conditions apply)
❌ Cons:
- Forex, CFDs, and crypto not available for investment
- No demo account possible
- No fractional stocks possible
Disclaimer: Investing involves risk of loss.
2. Trade Republic: Ideal for sky-high interest rates
When it comes to making the most bang for your buck, Trade Republic is our top pick for a financial app that offers you the highest interest on your initial investment — with super-low transaction costs.
Even better? In addition to buying and selling Dutch and international stock, the app lets you build a versatile portfolio with ETFs and cryptocurrency.
As a fully-online institution, Trade Republic currently only offers customer support by mobile — however, with their user-friendly interface and straightforward set-up, you’re unlikely to need it anyway.
✅ Pros:
- Platform is easy to set up and use
- High interest on stocks, ETFs, and crypto
- No monthly subscription fees
❌ Cons:
- No customer support by phone
- Fewer analytics in comparison to some competitors
3. Scalable: A good savings rate and easy to get started with
With its clean aesthetic, up to 2.75% interest rate on cash, and multiple smart tools, Scalable is the perfect investment app for someone looking to do a lot with their savings. Think of it as the Swiss knife of investment apps.
One feature of Scalable that really shines is its PRIME+ Broker account.
With this, you can enjoy commission-free trading for orders over €250 and trade as much as you want for just €4.99 per month — meaning you’re free to do whatever your heart desires with your money (responsibly, of course).
✅ Pros:
- Enjoy a 2.6% interest rate on savings
- Investing explained in a smooth and easy way
- Helpful tools to monitor your investments
- Offers commission-free trading from €250 order volume with PRIME+ package
❌ Cons:
- App uses a lot of investment lingo that may not be beginner-friendly
4. Peaks: Invest easily in an app that’s built to please
Peaks is a beautifully designed Dutch investment app with a reputation for being beginner-friendly, and a focus on sustainable investment.
You can invest as much or as little as you like — anything from life savings to spare change is allowed, and you can even invest automatically.
We especially liked their round-up feature: bought a coffee for €3.25? Congrats, your purchase is now €4.00 and €0.75 was just added to your investment portfolio. What a win!
✅ Pros:
- Easy to invest in sustainable index funds
- The platform has a reputation for being accessible and beginner-friendly
- No transaction costs
- Automatic investment
❌ Cons:
- More expensive than some competitors, especially for smaller investments
- Not possible to invest in individual shares
5. eToro: Make friends while you invest
Although eToro’s non-trading fees are somewhat higher than other investment apps in the Netherlands, this app also lets you buy stocks commission-free (with some exceptions), making it a worthy competitor in the world of Dutch investment apps.
On the more unique side of things, eToro brands itself as the world’s most social investment platform, and they might just be right.
The interactive community platform gives investing a whole new feel and makes it easy to seek, give, and apply good advice from other investors. Think: social media meets investing.
✅ Pros:
- Social trading
- Demo account possible
- Comprehensive educational resources available
❌ Cons:
- High non-trading fees
- No crypto-to-crypto trading pairs
- Limited selection of cryptocurrencies
Disclaimer: Investing involves risk.
6. bunq: Tick the green box
Self-labelled “bank of the free”, bunq is all about making your financial life as straightforward and sustainable as possible. Best of both worlds much?
bunq Stocks is a straightforward investment function built directly into the bunq app. It’s great for keeping a neat overview of your cash flow and investments — all in one place.
bunq’s investment function is easy to use and lets you choose from a selection of the best stocks, ETFs, and cryptocurrencies. Thanks to its fractional shares, you can get started with as little as €10.
✅ Pros:
- Automatic sustainable investment
- Mobile bank and investment bank in one
- Highly regarded user experience
- Fractional shares possible
❌ Cons:
- Only subscription-based packages are possible
7. Revolut: The whole package in one app
Revolut is truly the full package when it comes to mobile finances. In just one little app, you can save, spend, track, send, and, most importantly, invest your cash however you like.
With its sleek design, real-time performance updates, commission-free trading, and (fractional) investment opportunities at as low as €1, Revolut stands out as a beginner-friendly platform in the world of finance apps.
✅ Pros:
- Commission-free investment available
- Banking, investment, and many other products in one app
- Highly regarded user experience
❌ Cons:
- Only subscription-based packages possible
What are the benefits of using an investment app?
Investing using an app is way more convenient than traditional investment methods. With a tap on your phone screen, your brand-new investment portfolio is in your pocket.
Commuting to work? Eating lunch? Watching Netflix in bed? There are no limits to when, how, and in what you can invest when you have it all on your phone.
Oh, and transactions tend to happen faster through apps than with conventional methods, which means more precious time and money saved for you.
Most investment apps also make an effort to provide a good visual overview of all your investments, which is especially great if you’re a beginner who doesn’t quite know how to keep track of everything.
Plus, apps are cheaper than running a brick-and-mortar operation, so that can even keep the internal costs of the brokerage down.
That means more focus on the things that really matter (paying for good customer service, for example, rather than heating up an office building) and better returns for you.
How to get started with investing in the Netherlands
Ready to let your money live up to its full potential? Let’s talk about how you get started with investing in the Netherlands.
1. Do your research
Before investing, it’s important to take time to understand the basics. After all, you’re investing your real, hard-earned money.
Learn about different types of investments (stocks, ETFs, bonds, etc.) and how they fit your financial goals. Consider:
- Risk tolerance: How much risk can you handle?
- Investment horizon: Are you investing short-term or long-term?
- Costs and taxes: The Netherlands has a Box 3 wealth tax on investments, so be aware of potential tax obligations.
There are heaps of financial blogs, platforms, and YouTube channels that can help you get started.
2. Choose your investment app and sign up
Next up, it’s time to choose the investment app you want to go with (one from this list for example!) and sign up for it. To do so, most platforms require:
✅ A valid Dutch or EU ID, or a residence permit or international passport
✅ A Dutch bank account
✅ Proof of residence in the Netherlands (such as a utility bill)
✅ BSN (Burger Service Nummer) for tax purposes
3. Start small and learn
Once you’re all set, it’s recommended to start with a small investment and learn as you go. Many platforms allow you to invest with as little as €10-€50.
That way, you can get comfortable investing as you figure out how everything works.
What about savings apps?
Investing is lovely, but sometimes we also need a good way to put aside money in a savings account to keep some cash liquid (like for emergencies) or if we want to access our money in the near future without taking a risk on the market.
The unfortunate thing is that Dutch banks tend to have ridiculously low interest rates, making saving in the Netherlands a foolproof way to, well, lose money.
Enter: border-crossing savings apps like Raisin! Raisin lets you shop around for whichever European bank has the best terms so that you can get the most out of your savings.
READ MORE | Dutch savings accounts: Best interest rates in the Netherlands in April2025
Have you tried any Dutch investment apps? What are your top tips for a good investment journey? Tell us in the comments below!
Disclaimer: Investing involves risks and you can lose your investment. DutchReview is not a financial consultancy. The content shared on the website and on DutchReview’s social accounts does not contain any financially binding advice.
Investment apps in the Netherlands: Frequently asked questions
What are the best investment apps in the Netherlands?
DeGiro and Peaks are both great Dutch investment apps, particularly due to their low fees, accessible and user-friendly designs, and beginner-friendly approach.
Trade Republic, Scalable, eToro, Bunq, and Revolut are other Dutch investment apps following closely thereafter. When it comes to non-Dutch investment apps, it’s worth noting that XM, HotForex, and IQ Option are international favourites among Dutch people.
How can I invest in the Netherlands?
Internationals and expats can easily invest in the Netherlands — a country that claims eighth place in the world regarding economic freedom. You can easily invest in savings accounts, private pension schemes, property, funds and anything else, either with an investment app or through a good old-fashioned bank.
Can I use a Dutch investment app if I don’t speak Dutch?
Yes! Most investment apps in the Netherlands know that they have huge international audiences, so DeGiro, Peaks, Scalable, Trade Republic, eToro, Bunq, and Revolut all offer their apps entirely in English.
How do I know a Dutch investment app is safe?
The investment apps DeGiro, Peaks, and BUX are all supervised by the AFM, the main Dutch financial authority in the Netherlands. Make sure your investment app of choice is AFM approved!
Is it smart to invest in the current Dutch economy?
Investing always comes with some risk, and it’s important to read up on the ins and outs of your investment plans before going in head first. Still, with the current state of inflation and interest rates in the Netherlands, storing your cash in a savings account means that you could be losing money.
So for most people, investing long-term is a good way of putting the extra money (even if it’s just pocket change) away, which might actually earn you money — not the other way around.
Can I invest ethically and sustainably in the Netherlands?
So you want to get into the investment game, but you don’t want to put money in the pockets of unethical, unsustainable crooks? The Dutch Association of Investors for Sustainable Development offers useful resources for anyone interested in the many ethical, sustainable, and/or responsible investment opportunities in the Netherlands.
Most Dutch banks have sustainable savings alternatives, and the Dutch government has established so-called “green bonds” for the increasing number of climate-minded investors in the Netherlands.
What are some useful resources for someone getting into investing?
If you’re new to investing, or if you just need a refresher on what’s smart to do in the jungle, that is investment in the Netherlands, you’ll be happy to hear that most Dutch banks have advisors on hand to guide you through it.
The Netherlands is generally a straightforward and lucrative place to get into investing, with a booming innovation sector and convenient geographical location to show for. If you’re interested in learning more about the mechanisms behind the great investment opportunities in the Netherlands, you can check out the Index of Economic Freedom.
Are Dutch trading apps regulated?
The Dutch Authority for Financial Markets (AFM) regulates and supervises the financial markets in the Netherlands, including investment apps. They are in charge of making sure all things finance are stable and transparent, so you can have the best possible investing adventure.
I’m not sure how you missed IKBR…maybe add them to the review?
What do you think about Trade Republic? You can buy Individual stocks, etf’s and you’ll get 4% I terest on your non invested cash.
IKBR is far better that all of them, probably number 1 in Europe with no tricks like mosto of this, with this packages.!!
The first one, and degiro too are two useless sh**s. Even their page do not work properly. Shame dutchreview!
I use BUX and it’s amazing!
I am using BrandNewDay and I think it is pretty good on returns.
I want to emphasize that Trump is tanking the stock market repeatedly (intentionally?) with his tariffs. I invested with XTB and even though I like the app, I am now losing money, after having a 300 euro profit just this Wednesday. So maybe wait until the lunatic is out of office before investing, regardless of app?