Platforms to Invest with Little Money: Comparative Guide 2025

Getting started in the world of investing doesn’t require large capital. In 2025, there are multiple applications to invest money that have democratized access to financial markets, allowing anyone to trade stocks, cryptocurrencies, currencies, and other instruments from their mobile device. This guide presents the most relevant options on the market, analyzing their main features so you can identify which one best suits your investor profile.

Fundamental criteria for selecting an investment app

Before choosing a platform, it is crucial to evaluate certain parameters that will determine your experience as an investor.

Regulation and security are the most important pillars. You should only operate with brokers authorized by recognized organizations such as FCA (United Kingdom), CySEC (Cyprus), ASIC (Australia), or CNMV (Spain). This supervision guarantees the safe custody of your funds and operational transparency.

Execution speed and liquidity are decisive in trading. An efficient platform should allow you to open and close positions without delays, with competitive spreads that minimize your operational costs.

Variety of available assets broadens your possibilities. The best applications to invest money offer access to cryptocurrencies, stocks, currencies, commodities, stock indices, and ETFs in one place.

Accessible deposits and multiple funding methods enable you to start with small amounts. Bank transfers, credit/debit cards, digital wallets, and cryptocurrencies are common options.

Risk management tools such as stop-loss and take-profit are essential to protect your capital. Likewise, access to free demo accounts allows you to practice without real investment.

Customer support available 24/7 ensures you have assistance when needed, regardless of time zone.

The main brokers for investing with limited budgets

MiTrade: Affordable entry with reduced spreads

Founded in Australia, this broker has established a user base of over 2.4 million in the Asia-Pacific region, gradually expanding into America and Europe. Its specialization in CFD trading positions it as a competitive alternative thanks to its low operating costs.

Operational features:

• Minimum deposit: 20 USD
• Leverage: up to 1:200
• Commissions: 0%, only spreads
• Demo account: free with 50,000 USD virtual funds

Tradable assets: The catalog includes stocks, currencies, commodities, cryptocurrencies, and stock indices accessible via web platforms and iOS/Android apps without compromising speed or functionality.

Significant advantages: Excellent liquidity, deposits with USDT, negative balance protection, welcome coupons of 100 USD, and fast execution.

Main limitation: The demo account has a maximum usage period of 90 days.

AvaTrade: Innovative platform with integrated automation

Originating in Ireland and regulated since 2006, this broker stands out for its focus on innovative technology, with tools like Zulu Trade and Dupli Trade that automate investment strategies. Its AvaTrade GO app is specifically optimized for mobile devices.

Operational specifications:

• Minimum initial deposit: 100 USD
• Maximum leverage: 1:30
• Demo account: available for a limited period
• Regulations: FCA, CySEC, ASIC

Accessible markets: Stocks, currencies, commodities, bonds, cryptocurrencies, ETFs, and indices, compatible with MetaTrader 4 and MetaTrader 5.

Operational strengths: Wide range of assets, copy trading functionality, enhanced fund security, multi-platform support.

Cost considerations: $5 USD fee on withdrawals and inactivity fees after three consecutive months without trading.

Plus500: Specialized in CFD trading with an accessible interface

Since its founding in 2008, this platform has become a benchmark in online CFD trading, reaching 25 million users worldwide. Its app is considered one of the most complete in the sector, although mainly aimed at investors with prior market experience.

Operational parameters:

• Minimum initial investment: 100 USD
• Leverage: maximum 1:30
• Regulated by: FCA, CySEC, ASIC
• Practice account: unlimited free

Range of instruments: Stocks, currencies, commodities, cryptocurrencies, ETFs, and indices with execution on all (Windows, Mac, iOS, Android) platforms.

Positive aspects: Intuitive interface, extensive asset catalog, automated price change alerts, unlimited demo period.

Operational disadvantages: $10 USD monthly inactivity fee if no activity in three months, slow withdrawal processing, presence of counterfeit fraudulent platforms.

XM: Maximum leverage with continuous economic analysis

Operating since 2009, this broker has a presence in 196 countries and over 2.5 million clients. Its sophistication allows multiple account types and constantly generates analysis, news, and economic information to anticipate market movements.

Operational features:

• Minimum deposit: 5 USD (muy accessible)
• Leverage: up to 1:1000
• Regulations: FCA, IFSC, DFSA, CySEC, ASIC
• Demo account: free

Market coverage: Stocks, currencies, commodities, cryptocurrencies, and indices with spreads from 0.01 pips.

Operational advantages: Extremely low entry threshold, significant leverage for aggressive positions, various account types, copy trading available, multiple opportunities for in-person events.

Points to consider: $15 USD inactivity fee after three months, wider spreads on some instruments compared to competitors, time limits when using promotional coupons.

eToro: Democratization of financial markets

Recognized as the platform that made financial markets massively accessible, eToro has attracted over 30 million clients through its extremely simple operational approach. From account opening to position setting, the process is intuitive even for absolute beginners.

Operational parameters:

• Minimum required investment: 50 USD
• Maximum leverage: 1:30
• Regulated by: FCA, CySEC, ASIC
• Practice account: free

Available assets: Stocks, currencies, commodities, cryptocurrencies, ETFs, and indices, allowing both CFD trading and spot asset purchases.

Strengths: Extremely simple interface, functional copy trading, tiered benefit scheme with discounted commissions, full multi-platform compatibility.

Operational limitations: $5 USD withdrawal fee, inactivity charges, higher spreads compared to others, complex KYC verification process.

Deposit and accessibility comparison

Most of these applications to invest money allow starting with modest investments. XM stands out with a minimum of 5 USD, while MiTrade requires 20 USD. eToro and Plus500 set the threshold at 50-100 USD. Deposit methods include bank transfers, credit/debit cards, digital wallets (PayPal, Neteller, Skrill), and even cryptocurrencies in some cases.

Regulation: guarantee of safe operations

Regulatory oversight is non-negotiable. Some main regulatory bodies include:

• FCA: Financial Conduct Authority of the UK, top authority in European financial markets
• CySEC: Cyprus Securities and Exchange Commission, regulator of platforms based in Cyprus
• ASIC: Australian Securities and Investments Commission, oversees Australian brokers
• CNMV: National Securities Market Commission, Spanish regulator
• FINRA: Financial Industry Regulatory Authority of the USA

All mentioned brokers hold multiple licenses ensuring regulatory compliance and fund protection.

Common advantages of these platforms

The main applications to invest money in 2025 share features that make them attractive:

Free demo accounts: Virtually all offer trial versions with virtual money to familiarize yourself with the platform.

Reduced or zero commissions: Most eliminate trading commissions, applying only competitive spreads.

Multi-platform compatibility: Access from Windows, MacOS, iOS, and Android ensures operation from any device.

Copy trading: Most allow automatic replication of experienced investors’ trades.

Analytical tools: Integrated charts, technical indicators, and real-time market analysis.

Final recommendations for choosing your platform

The right decision depends on your investor profile. If you seek maximum accessibility with minimal capital, XM with a $5 deposit is ideal. For beginners valuing absolute simplicity, eToro offers the most intuitive experience. If low costs and tight spreads are priorities, MiTrade is competitive.

Experienced investors needing advanced tools will find Plus500 and AvaTrade more complete. For those interested in automation, AvaTrade with Zulu Trade and both platforms with copy trading provide robotized solutions.

Before committing real capital, test the available demo accounts. Most allow risk-free trading for specific periods, enabling you to evaluate the interface, execution speed, and asset availability.

Once you identify the platform aligned with your goals and validate its operation via demo, you will be ready to open a real account and start your journey as an active investor in the financial markets.