Best micro-investing apps in Australia 2026

Micro-investing apps are a type of trading platform designed to make investing more accessible for beginners.

With features like auto-investing, fractional shares, round-ups and more, micro-investing is suitable for anyone looking for a convenient and affordable way to start building an investment portfolio.

The best micro investing apps in Australia

Finder Score	AU Trading Fee	US Trading Fee	Asset Class
Finder Score 9.3 Excellent Tiger Brokers Finder Award	Finder Score 9.3 Excellent	$3.00	US$2.00	ASX shares, Global shares, Options trading, US shares, ETFs	Deposit any amount and receive $20 to trade in Tiger Brokers. Plus 4x zero brokerage trades and no FX fees on the first $2,000 you exchange every month. T&Cs apply.	$120 REWARD Go to siteView details Compare product selection Compare	loading	Why we like it Tiger was our highest rated trading platform for micro-investing because it has low fees, you can invest from as little as a few cents into stocks and ETFs and it has an auto-invest feature that let's you set up recurring trades. Its easy to use mobile app also makes it great for new or casual investors that want to buy Australian (CHESS-sponsored) and US shares. Pros & cons Pros Invest in US, Australian and Hong-Kong shares You can invest from a few cents into US equities Auto-invest feature lets you set recurring trades Australian shares are CHESS-sponsored Low trading fees Cons You can only auto-invest into US equities Minimum trade size for Australian equities is $500
Finder Score 9.8 Excellent Webull Finder Award	Finder Score 9.8 Excellent	$1.00	$0.00	ASX shares, Global shares, Options trading, US shares, ETFs, Cryptocurrencies	Welcome offer: Receive 5 US fractional shares by depositing or transferring AUD$500 or more into a new account. 2% cashback is also available to those who provide additional funding and execute a trade in the US market. Expires on 30 June. T&Cs apply.	Go to siteView details Compare product selection Compare	loading	Why we like it Webull is a great all-round trading platform that also lets you purchase US shares from as little a few cents at a time and pay $0 brokerage for ETF purchase orders. Like Tiger Brokers, you can set recurring trades and it also offers Australian (CHESS-sponsored) equities, though you'll need a minimum $500 to invest. While Webull should appeal to most investor types, total beginners may be a little overwhelmed. Pros & cons Pros No minimum investment for US equities Auto-invest feature No brokerage fees for ETF purchases Australian CHESS-sponsored equities available Cons May be overwhelming for new investors Minimum $500 investment for Australian equities
Finder Score 8.8 Great EasyEquities Share Trading	Finder Score 8.8 Great	$1.00	US$2.50	ASX shares, Global shares, US shares, ETFs	View details Compare product selection Compare	loading	Why we like it Easy Equities is not as well known here as some of the other platforms but we like that it has low fees, no minimum trade size and an auto-invest feature. Plus, you can invest in European stocks and ETFs, alongside Australian and US markets, a rare feature of low-cost investing platforms. Pros & cons Pros Invest from a few cents Auto-investment feature Access Australian, US or EU shares and ETFs Low fees Cons No CHESS-sponsored shares No live chat Minimal features
Finder Score 8.2 Great Pearler Share Trading Most Loved	Finder Score 8.2 Great	$6.50	$6.50	ASX shares, US shares, ETFs	View details Compare product selection Compare	loading	Why we like it Pearler goes beyond traditional share trading and into micro-investing through its Micro platform. Like Raiz, Pearler lets you round up your spare change and invest into ready made (or self directed) ETF portfolios. Pearler charges $2 per month to use their micro-invest platform. Pros & cons Pros Easy to use mobile app Choose to micro-invest or buy shares directly Low monthly fee and no brokerage to micro-invest Invest in ASX or US equities Cons Brokerage fee to directly buy shares higher than others You can't micro-invest directly into ASX shares
Finder Score 8.2 Great Sharesies	Finder Score 8.2 Great	$6.00	US$5.00	ASX shares, Global shares, US shares, ETFs	View details Compare product selection Compare	loading	Why we like it Sharesies lets you invest in a variety of Australian, New Zealand and US stocks and ETFs with no minimum investment amount. It also offers flexible tiered pricing plans for those looking to make regular investments, or a flat pay-as-you-go rate for individual trades. You can also set up auto-investing and round-ups to automatically invest your spare change into your portfolio. Pros & cons Pros Trade fractional Australian, US and NZ stocks Flexible pricing plans No minimum investment amounts Cons Pricing might not be most competitive depending on how often you invest

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How we picked these apps
This list is based on the results of the most recent Finder Share Trading Platform Awards, which involves analysis of 105 features and 4,000+ data points across 40 trading platforms and uses Finder's proprietary algorithm. Learn more about our methodology here.

While other trading platforms and brokers offer low-fee investing options, we're focusing on platforms that are specifically designed around making small investments ($50 or less) and aimed at beginner or hands-off investors.

You can read our guide to the best share trading platforms if you're looking for a fully-featured investing app.

Micro-investment app comparison

Fractional share trading apps

Fractional share trading apps don't fall under the traditional banner of "micro-investment", but they do allow you to invest as little as a few dollars at a time into stocks (depending on the platform you use).

Fractional share trading is where you invest in fractions of shares rather than whole shares. For instance, instead of buying a single Facebook stock for $260, you could buy one-tenth of a stock for $26 or even one-hundredth of a stock for $2.60.

While it's a popular trading feature in the US, only a few share trading apps offer the service in Australia.

Among online brokers that offer fractional share trading are eToro (minimum $10), Stake (minimum $10) and Interactive Brokers (no minimum).

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Finder Score	AU Trading Fee	US Trading Fee	Asset Class
Promoted Finder Score 9.6 Excellent Moomoo Share Trading Finder AwardExclusive	Finder Score 9.6 Excellent	$3.00	US$0.99	ASX shares, Global shares, Options trading, US shares, ETFs	Finder exclusive: Unlock up to AUD$4,000 and US$4,000 in $0 brokerage over 60 days. T&Cs apply.	Trade major markets with built-in social trading tools.	$100 REWARD Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 8.7 Great eToro	Finder Score 8.7 Great	US$2.00	US$2.00	ASX shares, Global shares, US shares, ETFs, Cryptocurrencies	Bonus offer: Get USD$500 bonus in stocks if you deposit at least USD$5,000. Ends 30 Apr 2026. T&Cs apply.	CFD service. Capital at risk. Trade a range of assets from a single account with access to social trading features.	$150 REWARD Go to siteView details Compare product selection Compare	loading
Promoted Finder Score 9.8 Excellent Webull Finder Award	Finder Score 9.8 Excellent	$1.00	$0.00	ASX shares, Global shares, Options trading, US shares, ETFs, Cryptocurrencies	Welcome offer: Receive 5 US fractional shares by depositing or transferring AUD$500 or more into a new account. 2% cashback is also available to those who provide additional funding and execute a trade in the US market. Expires on 30 June. T&Cs apply.	Invest in over 15,000 shares, options, and $0 Brokerage on all U.S. and Australian Chess-Sponsored ETFs.	Go to siteView details Compare product selection Compare	loading

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How we picked these

Finder Score for share trading platforms

We've scored over 30 share trading platforms assessing them for their core features, fees, customer experience and accessibility. Our experts give each platform a score out of 10.

Read the full methodology

Important: Share trading can be financially risky and the value of your investment can go down as well as up. “Standard brokerage” fee is the cost to trade $1,000 or less of ASX-listed shares and ETFs without any qualifications or special eligibility. If ASX shares aren’t available, the fee shown is for US shares. Where both CHESS sponsored and custodian shares are offered, we display the cheapest option.

Finder survey: What features matter most to Australians when choosing a robo-advisor or micro-investment app?

Micro investing fees

Be aware that there are costs to micro-investing which may eat into what you're saving or getting back in returns. It's important to double-check fees with the performance of the app's chosen investment portfolio. For example, if you're only investing $5 per month, the total fees are $2.50 per month and the returns are less than 1% per month, you might be better off sticking to a savings account.

The fees. There is any number of fees that a micro-investment app may charge. Some of the most common include:

• Brokerage fees. The cost each time you invest or make a transaction.
• Subscription or management fees. An ongoing monthly or yearly fee to keep the account open.
• Other fees. Additional costs may include cancellation fees, withdrawal fees, transaction fees and account opening fees.

That said, you don't need to be a millennial to take advantage of the benefits of micro-investing. Anyone who thinks they might benefit from the convenience of an automatic investment plan should consider the benefits of this approach.

Expert insight: Why try micro-investing?

"Micro-investing is one way to start out and dip your toe into the world of investing. By allowing you to invest small amounts of money, it lowers the barrier to entry, making investing accessible even if you have limited funds."

Demetria Chelepy

Sharesies operating director

Benefits of micro-investing

It's easy

• It's quick and simple to set up an account with a micro-investing platform and link it to your bank accounts. It then acts like a sort of electronic piggy bank for your spare change.

It's convenient

• Micro-investing requires minimal input on your part. Because the entire process is automated, you can start building an investment balance without even realising it.

You can start a savings habit

• By getting into micro-investing from a young age, you can create positive saving habits that will last a lifetime. It's an effective way for Australians who have never invested their money before to make a start.

Minimal investment required

• You don't need a huge bank balance to take advantage of a micro-investing platform. You can start by investing your small change and then watch your balance grow.

Choose from diversified portfolios

• The money in your investment fund can be balanced in a diversified ETF portfolio based on your financial goals and your appetite for risk. You don't need to be an investment expert or have specialised financial knowledge.

What are the risks of micro-investing?

No guarantee of returns

• Like any investment strategy, there's no guarantee that the investment portfolio that you choose will perform as you hope. In fact, if the investors behind the app lose money, then your balance will fall. This is why it is important to align your goals and objectives with your risk tolerance.

Fee for service

• It's worth noting that these platforms aren't free. You'll pay a management fee. This will either be a flat fee or calculated based on the percentage in your account. These fees may also differ depending on your account balance, so it's key to monitor your account regularly to make sure the fee structure continues to work in your favour.

Easy to set and forget your account

• Many investors choose to micro-invest because it's easy to set and forget. This can be a good thing in a bull market as it stops you from trying to overly manage and gets rid of the temptation to overtrade. It also runs the risk that the investor doesn't regularly review the performance of the fund. As such, you could underperform your own expectations while still paying for a service that isn't living up to your expectations.

Is micro-investing right for me?

Micro-investing platforms can be a good option for those who are completely new to investing and want to get started as easily as possible. With a range of accessible features and low minimum investment requirements, they can be a great way to get into the habit of investing.

However, the ongoing fees of many micro-investing apps mean they're probably not the most cost-effective over the long term. While the monthly fees may seem relatively low, they can quickly add up over time and mean you have less money to actually invest.

Once you're more familiar with the process, it's probably worth moving to a low-cost share trading platform that gives you more investing options and flat fees that don't eat into your investments.

To make sure you get accurate and helpful information, this guide has been edited by Joselle Delos Reyes as part of our fact-checking process.

Written by

Kylie Purcell

Investments Analyst

Kylie Purcell is an experienced investments analyst and finance journalist with over a decade of expertise in a wide range of financial products, including online trading platforms, robo-advisors, stocks, ETFs and cryptocurrencies. She is a sought-after commentator and regularly shares her insights on the AFR, Yahoo Finance, The Motley Fool, SBS and News.com.au. Kylie hosts the Investment Finder video series and actively contributes to the investment community as a judge and panellist. She holds a Master of Arts in International Journalism, a Graduate Diploma in Economics, and ASIC-recognised certifications in securities and managed investments. See full bio

Kylie's expertise

Kylie has written 201 Finder guides across topics including:

• Investment strategies
• Financial platforms
• Stockbrokers
• Robo advisors
• Exchange traded funds (ETFs)
• Ethical investing
• ASX stocks
• Stock and forex markets

Co-written by

Thomas Stelzer

Journalist

Tom Stelzer is a journalist with 6 years of experience covering personal finance, specialising in investment and cryptocurrency. With a Master of Media Arts and Production and a Bachelor of Communications in Journalism from the University of Technology Sydney, Tom provides expert analysis on digital assets and market trends, helping readers navigate the fast-evolving world of finance. See full bio