Best Neobank for Investing in Europe 2026
Stocks, ETFs, fractional shares, and automated savings plans — built into your bank account. Updated March 2026.
8,000+ stocks, 3,000+ ETFs, bonds, crypto, derivatives. €1 per trade; savings plans free from €1/mo. €150B AUM, 10M users. German banking licence.
2,000+ stocks, 200+ ETFs, crypto, commodities — in your banking app. 1 free trade/mo on the free plan. Full EU banking licence + investing under Revolut Securities UAB.
Investing Platform Comparison
Regulatory: Revolut Securities UAB (MiFID II, Bank of Lithuania)
MiFID II investment firm; reduced EU investor protection (€22,000 vs €100,000)
Regulatory: N26 Bank AG (BaFin, MiFID II)
Simple investing interface; limited instrument range vs. Revolut
Regulatory: Wise Assets Ltd (FCA, UK)
'Assets' feature invests idle balances in BlackRock money market funds or government bonds; available for GBP, EUR, USD
Regulatory: MiFID II (via Vivid Capital, BaFin supervised)
MiFID II investment firm licence in Netherlands; fractional investing from €1
Regulatory: Trade Republic Bank GmbH (BaFin, MiFID II)
Germany's largest retail broker by active users; 2% p.a. interest on uninvested cash
All Banks — Quick Reference
| Bank | Stocks | ETFs | Fractional | Savings Plans | Trade Fee | MiFID Protection |
|---|---|---|---|---|---|---|
| Revolut | 2,000+ | 200+ | ✅ | ✅ from €1 | €0.99–€2.99 per trade after free allowance | €22,000 |
| N26 | — | — | ✅ | ✅ from €1 | €0.90 per trade | €20,000 |
| bunq | No investing | |||||
| Wise | — | — | — | — | — | — |
| Vivid Money | 1,500+ | 500+ | ✅ | ✅ from €1 | Commission-free ETFs; stocks from €0.99 | €20,000 |
| Qonto | No investing | |||||
| Trade Republic | 5,000+ | 3,000+ | ✅ | ✅ from €1 | €1 per trade (savings plans free) | €20,000 |
| Monzo | No investing | |||||
| Lunar | No investing | |||||
| Starling Bank | No investing | |||||