#1
Acorns

Acorns

★★★★ 4.2 $3+

Micro-investing app that automatically rounds up everyday purchases and invests the spare change into diversified ETF portfolios, plus banking and retirement accounts.

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✓ Effortless investing through round-ups✓ Expert-built diversified portfolios✓ Retirement account (IRA) option included
#2
Venmo

Venmo

★★★★ 4.2 Free / $1.75+ Free plan

Social payments app for splitting bills, sending money to friends, and making purchases with a social feed, debit card, and crypto trading features.

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✓ Free person-to-person payments from bank/debit✓ Social feed makes splitting bills easy and fun✓ Widely adopted among US millennials and Gen Z
#3
Robinhood

Robinhood

★★★★ 4.1 Free / $5+ Free plan

Commission-free stock, ETF, options, and cryptocurrency trading platform with a mobile-first design aimed at making investing accessible to everyone.

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✓ Commission-free trading on stocks and ETFs✓ Intuitive and beginner-friendly mobile app✓ Fractional shares available starting at $1

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