---
title: 'I Ranked Every Investing App in 2026 (What''s Actually Good)'
source: 'https://youtube.com/watch?v=Z2lGCzgDMpc'
video_id: 'Z2lGCzgDMpc'
date: 2026-08-19
duration_sec: 1265
channel: 'Ryan Scribner'
---

# I Ranked Every Investing App in 2026 (What's Actually Good)

> Source: [I Ranked Every Investing App in 2026 (What's Actually Good)](https://youtube.com/watch?v=Z2lGCzgDMpc)

## Summary

The video ranks 15 investing apps in 2026, from S tier to C tier, based on features, fees, and user experience. The creator evaluates each platform's strengths and weaknesses, emphasizing that the best choice depends on individual needs and investment style.

### Key Points

- **Ranking Criteria** [00:01] — The video ranks 15 investing apps from S tier to D tier, focusing on platform quality, not specific investments. The creator has extensive experience with many financial accounts.
- **Fidelity: S Tier** [00:28] — Fidelity is top choice for long-term investors, offering zero-commission US stock/ETF trades, fractional shares from $1, mutual funds, options, retirement accounts, and research. It's also good for traders with Trader Plus tools. Downside: not the most attractive app, but 'boring' is a feature.
- **Acorns: B Tier** [02:11] — Acorns automates investing with roundups and recurring investments into diversified ETF portfolios. However, the $3/month fee is a significant percentage cost for small balances, making it less cost-effective for beginners.
- **Interactive Brokers: A Tier** [03:28] — IBKR is a global platform with access to 170+ markets, advanced order types, and professional tools. It's ideal for advanced traders but has a steep learning curve for beginners.
- **Robinhood: S Tier** [04:45] — Robinhood has evolved significantly, now offering stocks, ETFs, options, crypto, futures, prediction markets, retirement accounts, and a 3% rewards credit card. It's beginner-friendly but also has advanced features like Robinhood Legend. Criticism: makes trading too easy, leading to risky behavior.
- **Moomoo: A Tier** [06:37] — Moomoo is geared towards active traders with advanced charting, screeners, options tools, paper trading, and level 2 NASDAQ data. It's not beginner-friendly but powerful for data-driven investors.
- **Charles Schwab: S Tier** [07:57] — Schwab offers a full-service brokerage experience with stocks, ETFs, mutual funds, bonds, and retirement accounts. It includes Thinkorswim for advanced traders. Downside: less sleek user experience.
- **Coinbase: A Tier** [09:07] — Coinbase now offers stock and ETF trading alongside crypto, with zero commissions and 24/5 trading. It's beginner-friendly for crypto and offers over 240 tokens. Not as complete as Schwab or Fidelity for overall investing.
- **Chime Invest: C Tier** [10:27] — Chime Invest is new (launched July 2026), offering commission-free stock/ETF trading and managed portfolios. It's integrated with Chime's banking ecosystem, but too new for a higher ranking.
- **Webull: A Tier** [11:33] — Webull offers commission-free trading, fractional shares, and advanced charting/screeners. It's for intermediate to advanced users, with Webull Light for a simplified experience.
- **Public: A Tier** [12:51] — Public offers a broad range of assets including stocks, ETFs, options, bonds, treasuries, crypto, IRAs, and direct indexing. It's user-friendly and good for diversified portfolios.
- **OKX: B Tier** [14:08] — OKX is a major crypto exchange with over 100 million users, offering a web3 wallet and advanced features. It's excellent for crypto but less relevant for traditional investing.
- **Cash App: C Tier** [15:16] — Cash App offers commission-free stock/ETF trading and Bitcoin, but it's a secondary feature to its payment app. Convenient for small amounts but not a full investing platform.
- **Fundrise: B Tier** [16:22] — Fundrise provides access to private market investments like real estate, private credit, and venture capital. It's niche and illiquid, best used as a satellite investment, not a core holding.
- **Kraken: A Tier** [17:56] — Kraken now offers over 11,000 stocks and ETFs alongside crypto, with Kraken Pro for advanced trading. It's a strong multi-asset platform but not as simple as traditional brokers.
- **iTrust Capital: C Tier** [19:07] — iTrust Capital specializes in holding crypto and precious metals in tax-advantaged retirement accounts like IRAs. It's excellent for that specific use case but not a general investing app.

### Conclusion

The best investing app depends on your individual needs, experience level, and investment goals. While Fidelity and Schwab are top choices for long-term investors, platforms like Robinhood and Kraken are evolving to serve a wider range of users.

## Transcript

reviewing and testing different investing apps. At this point, I have so many different financial accounts that my tax adviser is ready to fire me. So, in this video, I'm going to be ranking 15 investing apps, some popular and some
newer ones, from S tier all the way to potentially Dtier status. [snorts] And ranking the platforms themselves, and not saying that any certain investment is necessarily right for you. First up is Fidelity. And I'm putting this one
straight into the S tier. If someone came to me and said, "I'm looking for a brokerage account I could potentially use for the next 30 years." Fidelity would be at the very top of that list for me. You can trade US stocks and ETFs
with zero commissions, buy fractional shares, starting out with as little as a dollar, and also have access to mutual funds, options, retirement accounts, and a huge amount of investment research. And while Fidelity is great for
long-term investors, it's also good for traders. And they've continued to improve in this category with its newer Trader Plus tools for people who want a more active trading oriented interface. And that's what I think Fidelity gets
wants to automatically invest in the S&P 500, but you won't necessarily outgrow it if your life gets more complicated or you decide to get into more active investments, retirement accounts, stocks, mutual funds, potentially your
savings, and more under one roof. The downside, Fidelity is not the most attractive investing app. Simply put, nobody's going to open up this app and say, "Wow, I feel like I'm in the financial future. Some of the newer apps
are cleaner, faster, and more interesting to use." But this could be a rare scenario where boring is actually a feature. Fidelity is established, extremely capable, and something that can offer tools for both beginners and
experienced investors. And all around, it is my favorite investing app. And guys, I have full investing tutorials for many of these apps I'm going to link to down below in addition to some signup bonuses. Depending on what app you pick,
this could be free stocks, deposit bonuses, and more. So, make sure you supporting my channel and making videos on the list, we have Acorns. And I hate to do it, guys, but I've got to put this
one in the B tier and for a very important reason I'm going to share shortly. Acorns is built around making investing almost invisible. You can automatically invest into a diversified ETF portfolio, set up recurring
investments, and use their roundups feature to turn your spare change into actual investments that can grow in value. Acorns can also automatically accounts are made available through Acorns later. And for somebody who is
struggling to start with investing, I think this can be a very powerful combination. Acorns lowers the friction and eliminates a lot of the guesswork. And look, everything we've talked about so far sounds pretty A or S tier to me
until we talk about the pricing. Acorns currently operates on a monthly bucks a month with higher tiers costing a bit more. And look, $3 a month doesn't sound like much, but if you only have $100 invested, that's the equivalent of
$100 invested, that's the equivalent of paying $36 in fees to manage that money. And the percentage impact does become less significant as the balance grows. But beginners in particular are often starting out with relatively small
balances. So, I love the automation. I just don't love the monthly subscription aspect for something you can pretty much accomplish elsewhere at a lower cost or potentially no cost. Next on the list here, we have Interactive Brokers or
IBKR. And I'm going to put this one in the A tier position. But if you're a professional or extremely advanced trader, this could easily be an S tier investing app. Interactive Brokers is pretty much the ultimate global
investing platform, offering access to over 170 different global markets. [snorts] In terms of the asset selection, you can trade stocks, options, futures, currencies, bonds, and funds using extremely advanced order
funds using extremely advanced order types and professionalgrade tools. IBKR is basically the investing equivalent of buying a commercialgrade kitchen. It can basically do everything. The question is, are you cooking for a whole
restaurant or making dinner for four people? For global investing, advanced orders, and sophisticated trading, I think IBKR is really second to none. But the learning curve here is real. If you're brand new to investing and just
can feel like trying to take a drink of trading securities across multiple countries using advanced order routing strategies, you've probably found your perfect match. Fantastic platform, but
not the easiest platform. Although they do offer multiple versions of their platform, some of which are a bit more beginnerfriendly. Next is one of the most popular new age investing apps, Robin Hood, which now has over 27
everything they have added to this platform over the last 10 years, I've got to put this in the S tier position. And before an angry mob forms in my comments, yes, I was there for the trading halts during meme stock mania.
industry. So this is not something I'm going to personally count against Robin Hood alone. With that said aside here, guys, Robin Hood in 2026 is a very different platform than it was just a few short years ago. You can invest in
stocks and ETFs commission free. There's also options, crypto, futures, and the recent addition here of prediction markets. But there's also broader retirement accounts, savings account alternatives, managed portfolios, and
even a 3% rewards credit card. But the biggest change here is new features geared towards more active traders and investors with Robin Hood Legend being the biggest example of this. There's now an enormous amount of functionality that
is built into the Robin Hood desktop and mobile app. But at the same time, it's still incredibly easy to use for the basics like buying a fractional share. So, while it is still extremely beginnerfriendly, it is no longer just a
beginners's investing app. And that user experience matters. Robin Hood basically didn't feel like filling out paperwork at the DMV?" The app is clean and fractional shares make it very accessible. But there is one legitimate
criticism here. Robin Hood makes it very easy to trade. And here's the deal. Just because an app makes it very easy to do does not mean you should do it 15 times before lunch. Options, futures, crypto, and prediction market contracts can
involve significant risk. But the thing is, these are showing up pretty much necessarily call this a Robin Hood problem. It's more of a broader shift in the retail investing landscape. Next up on the list here is Mumu. This is a
newer investing app geared towards active traders who want the tools and wherever they go. I'm going to put this one in the A tier just because it's not super beginner friendly, but that's kind of the entire point. With Mumu, you get
advanced charting, screeners, options tools, paper trading, and access to robust market data that can go significantly deeper than what you'll find with most regular investing apps. Mumu also offers commission-free trading
for US stocks and ETFs in addition to making level two NASDAQ market data and advanced analytical tools available to everyone. And if you enjoy researching individual companies, following market performance closely, and digging into
the data, Mumu gives you a lot to work with. But the downside is almost the exact same thing. There's a lot going on. If your investing strategy is just to buy VO every month and not touch it, Mumu can feel like using a professional
recording studio to leave a simple voicemail. For an active trader or investor, I could easily see Mumu being an S tier investing app, especially when you consider the desktop platform and paper trading made available. But for
the average long-term investor, I think there are other options that are more suited for this type of strategy. Speaking of which, we have Charles Schwab, which is an ideal platform for long-term investors. This is an obvious
one, guys. Schwab is an S tier investing app. Schwab is going to offer you the traditional fullervice brokerage experience. We're talking stocks, ETFs, mutual funds, bonds, retirement accounts, and more. But a huge advantage
Thinkorswim. Schwab clients can use Thinkorswim on desktop, web, and mobile along with Schwab's regular website and mobile app. And US stock and ETF trades are still a 0 trading commission. So Schwab is interesting because it gives
you two distinct personalities. Regular Schwab is like the person calmly talking to you about retirement planning. Meanwhile, Think or Swim is explaining implied volatility at 2 in the morning. The biggest downside here for some is
that the overall user experience for Schwab is not nearly as sleek as we're talking about an investing platform you could use from your very retirement, Schwab is at the top of the list. And real quick guys, before we get
to the next investing app, make sure you drop a like and subscribe if you haven't Coinbase. And there has been a huge change with them, which is now putting them in the A tier in my book. Most people still think of Coinbase as a
crypto exchange. And obviously, cryptocurrencies are still a huge part of their platform, but the big change is that Coinbase recently rolled out stock and ETF trading to their US users. You can buy and manage stocks and ETFs
alongside crypto with zero commissions on stock trades. And Coinbase stock trading is available 245. So, Coinbase is moving from being an app you just use to buy Bitcoin and Ethereum to an all-in-one investing platform. So,
if you're somebody who wants stocks and crypto sitting together in one portfolio to keep track of, Coinbase suddenly becomes a lot more attractive. And for crypto specifically, Coinbase still remains extremely beginnerfriendly among
the different crypto exchanges available today. But you can also take advantage of Coinbase Advanced for more robust charts and data, lower fees, and more trading pairs available. Through the regular Coinbase app, you can access
over 240 different tokens. And that's a pretty large number compared to something like Robin Hood offering about 50. And the only reason I'm not putting this in the S tier is because as an overall investing experience, I think
something like Schwab or Fidelity is still going to give you a more complete experience. But Coinbase is getting a lot closer. And if we redo this video later on, I wouldn't be surprised if this ranking changes. Up next, we have
the newest investing platform on the list, which is Chime Invest. And I have to put this one in the C tier for now, but the for now is very important. And the reason why is because Chime Invest is quite literally a newborn. It just
is quite literally a newborn. It just came out in July of 2026. But when you consider how popular Chime is with their other products with over 10 million active members, this is probably going to pick up steam fast. Chime Invest
offers two specific approaches here. For starters, you can buy stocks and ETFs yourself with commission-free trading and no account minimums. or you can use the expert-built managed portfolio option based on your goals and risk
profile. And that's actually a very compelling setup for beginners. So, with the Chime ecosystem, you could now get paid, spend money, save money, build credit, and invest all under one roof. And that's a pretty big deal. Like I
said, my only hesitation is that Chime Invest is so new. This could easily be an A or S tier investing app in the near future. Next up is Weeble. Now, Weeble sits in an interesting middle ground between investing apps like Robin Hood
or Public and platforms like Mumu or Interactive Brokers. And I'm going to have to put them in the A tier. And here's why. You get the basics with Weeble, like commissionfree stock and ETF trading in the US, fractional
shares, and extended trading access on eligible securities. But Weeble puts a much bigger emphasis on charting screeners, technical analysis, and trading tools for more intermediate to advanced users. There are also options,
futures, IRA, and paper trading geared towards people who are doing much more than simply checking their portfolio once a month. I think Weeble is starts on a more basic investing app and then says, "Okay, but what if there were
more charts?" But the downside here is that more information does not always translate to better investing. However, I do like the fact that Wee Bowl also offers Weeull Light, which is a simplified version of their trading
experience. There's a point where researching your investments is productive, but there's also a point where you have 14 technical indicators on Nvidia's chart and you're trying to see if it formed a double reverse mega
cup and handle. But for investors who want a modern interface with serious tools and data available at your fingertips, Weeble is a fantastic option. Up next, we have Public. This is an easy one, an A tier investing app.
And here's why. Public has quietly become one of the broadest modern investing apps available today. The platform now includes stocks, ETFs, options, bond accounts, direct investments into treasuries, crypto,
IRA, direct indexing, and high yield cash among other products. And I really like this combination here because a lot of investing apps are really good at one thing. Maybe it's crypto, maybe it's stocks. But Public has put a real effort
into giving regular investors access to things like treasuries and corporate bonds through direct investments that you really don't find on most other modern investing apps today. So with Public, you can build something that
looks like an actual diversified investment portfolio across many different types of assets and not just a watch list with Tesla, Bitcoin, and three random companies your cousin shared during Thanksgiving. The user
interface is also much more approachable compared to traditional investment expect to find such a broad array of assets, account types, etc. The only drawback for me is that Public doesn't have this decadesl long ecosystem of
Schwab or Fidelity since they launched at the end of 2019. But Public has grown into a genuinely impressive investing app, and I would not be surprised if they're in the S tier position at a later date. Next up, we have OKX. This
is actually one of the biggest cryptocurrency exchanges in the world with over 100 million users. I'm going to put OKX in the B tier mostly because it officially launched its centralized exchange in the United States in 2025.
OKX is much more than a basic buy Bitcoin app and its fee structure is genuinely impressive when you compare it to other popular exchanges today. The broader ecosystem includes crypto trading plus a web3 wallet that can
connect users with decentralized applications and onchain assets. The blockchains which gives experienced crypto users a huge amount of flexibility. What I also like is that they offer a simple mode and an advanced
mode and this gives it broader appeal among different types of crypto investors. But that's also why I have to give it a slightly lower ranking here in this broader category of best investing apps. If this was a tier list ranking of
the best crypto apps, OKX would be at the top of that list. And guys, if you specifically, leave me a comment below. Next up, we have Cash App, which is probably confusing a lot of you, but yes, they do in fact have an investing
feature. I'm going to put this one in the C tier, mostly because it feels like a secondary feature attached to their primary product, which is peer-to-peer payments. Now, Cash App actually makes investing incredibly easy. You can buy
stocks and ETFs commission free, invest as little as a dollar with fractional shares, and even buy Bitcoin through Cash App. For someone who already uses investment, that's great. You could send your friend 20 bucks for pizza and then
invest 20 bucks in an ETF without leaving the app. Extremely convenient, but convenience is not the same as having a full-blown investing platform. Compared with Fidelity, Schwab, Robin Hood, and others, you're getting a much
more basic experience. So, I don't necessarily dislike Cash App investing. I just think of it more of an investing product attached to Cash App rather than a standalone investing platform. Would I test the waters with Cash App, investing
a few hundred dollars as a complete beginner? Sure. But would I build a six-figure investment portfolio here? Personally, no. Great entry point, limited long-term potential in my opinion. Next up, we have something
I'm going to be putting them in the B tier here, and that's because they're a bit more niche, and they're not competing with Fidelity for your stock trades. The whole point of Fundrise is getting access to private market
investments. Fundrise is going to offer you exposure to assets including private real estate, private credit, and venture capital. And guys, for me personally, I real estate and private equity investments. And it's definitely not for
everyone, but it can be very lucrative. And that makes Fundrise one of the most interesting investing apps on this list. If you're looking to diversify beyond traditional stocks and bonds and maybe cryptocurrencies, you can get started
with certain taxable investments with Fundrise with as little as 10 bucks. But Fundrise and other investing apps that are out there. Private investments are not the same thing as buying shares of a stock or ETF that you can sell anytime
the market is open. They can involve different fees, different risks, and they also have much lower liquidity. Simply put, you might not be able to sell them right away. if you want to or worse need to. So, I would not look at
normal brokerage account, I'm just going to invest everything over here. That is not what Fundrise or alternative investments are meant for. Instead, you should look at Fundrise as a satellite investment platform, if you look into it
at all. You build the boring core of your portfolio first with things like diversified index funds or ETFs. And then if alternative assets fit your risk then you consider something like
have Kraken. This is another investing app that has changed significantly. And I'm going to put this one in the A tier, mostly because Kraken isn't just about crypto anymore. US investors can now trade over 11,000 different stocks and
ETFs alongside their crypto holdings using the Kraken app. And that instantly makes Kraken a much more serious competitor in this broader category of investing apps today. Kraken has always appealed to those who are looking for a
deeper crypto trading experience. Of course, you have the basic version of beginners, but there's also Kraken Pro for people who are looking for a much more advanced crypto interface. And putting stocks in ETFs into this deeper
crypto ecosystem is very powerful, especially for those who want to track everything and invest in the same place. But I wouldn't put it ahead of something traditional long-term investors who aren't as cryptofocused. And I still
have an advantage here when it comes to user experience and overall simplicity. But with that said, Kraken has still become one of the most interesting multi-asset investing apps available today. Now, last on our list here is
iTrust Capital. This is an extremely specialized investing app that is targeting one particular customer. Now, for a general investing app, I have to put this in the C tier, but if you fit into the specific category that they are
meant for, this could easily be an S tier investing app. ITR Capital focuses on allowing investors to hold and trade assets like crypto and precious metals inside tax advantaged retirement accounts. And if that's specifically
what you're trying to do, then iTrust Capital solves a problem that almost all other investing apps have not been able to. You could potentially hold Bitcoin, other supported digital assets, and precious metals within an IRA structure
instead of simply buying them through a regular taxable investment account. And you're a long-term investor in Bitcoin, gold, or something like that, you might be holding on to this for life or close to it. And that's great. The not so
great part is the potential tax bill if Bitcoin, gold, etc. continue to appreciate like they have in the past decade. Certain account types like the Roth IRA can completely shelter you from future tax obligations as long as you
Bitcoin could be the perfect candidate for this type of retirement account if you believe in the long-term potential of this asset. Crypto transactions currently carry a 1% transaction fee, even though IT Capital does not charge a
monthly or annual account fee. But again, guys, like I said, this is another app that depends heavily on the user. So guys, that's my ranking on 15 available today. If you made it to the very end, make sure you drop a like on
this video and subscribe if you haven't already. If you agree or disagree with my ranking or want to see future tier lists, leave me a comment down below. And don't forget to check out my links in the description below to potentially
score free bonuses and free stocks and help support my channel in the process. You can click to watch this next video I think you might enjoy. and I'll see you think you might enjoy. and I'll see you next