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Investing & Savings
Grow Your Money.
Without the Noise.
Independent reviews and honest analysis of investment apps, savings accounts, and P2P lending — grounded in 20+ years of financial markets experience. No sponsored rankings. No hidden agendas.
✓ Independent reviews
↻ Updated July 2026
📱 Apps, Savings & P2P
Our Editorial Standards
01
Independent Reviews
Not paid to rank platforms. Affiliate relationships always disclosed.
02
20+ Years Markets Experience
We read the small print so you don't have to.
03
Regularly Updated
Reviews updated when platforms change fees or terms.
Home / Investing & Savings
What We Cover
Three verticals, each covering a different way to grow or protect your money. Investment apps for portfolio building, savings accounts for putting idle cash to work, and P2P lending for those comfortable with higher risk in exchange for higher yield.
01
Investment Apps
Commission-free platforms for buying stocks, ETFs, and crypto without a traditional broker. Good for building a long-term portfolio from as little as £1.
6 Reviews→
02
Savings & High-Yield
High-yield savings accounts, cash ISAs, and money market funds. With interest rates still elevated, there is no reason to leave cash earning nothing.
5 Reviews→
03
P2P Lending
Peer-to-peer platforms that connect you directly with borrowers. Yields of 8-12% are possible — but platform risk is real and this is not a savings account equivalent.
4 Reviews→
📱 Investment Apps
All Reviews →
Commission-free investing has made it easier than ever to build a portfolio. The platforms below let you buy stocks and ETFs from your phone with no trading fees — though hidden costs like FX charges and platform fees vary significantly.
| App | Our Rating | Commission | Min. Deposit | ISA | Fractional Shares | Best For | |
|---|---|---|---|---|---|---|---|
| Trading 212UK · EU · GlobalTop Pick | 0% | £1 | ✓ | ✓ | Most investors | Review → | |
| FreetradeUKBest ISA | 0%plan fee applies | £0 | ✓ | ✕ | ISA & SIPP investors | Review → | |
| eToroGlobal | 0%stocks only | $50 | ✕ | ✓ | Copy investing | Review → | |
| RobinhoodUS | 0% | $0 | ✕ | ✓ | US beginners | Review → |
🏦 Savings & High-Yield
All Reviews →
Interest rates remain elevated in 2026. A high-yield savings account can earn you 3.75-4.50% easy access or up to 4.90% fixed on cash you would otherwise leave sitting in a current account earning next to nothing. All platforms below are covered by national deposit protection schemes.
| Platform | Our Rating | AER / APY | Min. Deposit | Access | Protection | Market | |
|---|---|---|---|---|---|---|---|
| Marcus by Goldman SachsEasy Access SavingsTop Pick UK | 3.75% AERincl. 12-month bonus | £1 | Instant | FSCS £120K | UK | Review → | |
| Chase UKEasy Access Savings | 4.50% AERnew customers · 12-month bonus | £0 | Instant | FSCS £120K | UK | Review → | |
| Atom BankFixed-Rate Saver | 4.25% AER1-year fixed · verify current rate | £50 | Fixed 1 year | FSCS £120K | UK | Review → | |
| Ally BankHigh-Yield SavingsBest US | 3.00% APY3.85% new customer promo | $0 | Instant | FDIC $250K | US | Review → | |
| Wise AssetsInterest on Balance | 3.22% AERGBP · USD & EUR also available | £1 | Near-instant | FSCS £85K | UK · EU | Review → |
ⓘ Rates correct as of July 2026. Rates change frequently — always verify directly with the provider before opening an account. FSCS limit increased to £120,000 per person per institution in December 2025.
🔗 P2P Lending
All Reviews →
Peer-to-peer lending can generate yields well above what savings accounts offer — but this is not a like-for-like comparison. P2P platforms are not banks, your capital is at risk, and loan originator defaults are a real possibility. Read our full reviews before investing.
| Platform | Our Rating | Investor Return | Min. | Buyback | Regulation | Platform Risk | |
|---|---|---|---|---|---|---|---|
| MintosLoan Marketplace · 64 OriginatorsTop Pick | 9.1-12%Core Loans 9.1% · Custom up to 12% | €50 | 60 days | MiFID II | Lower | Review → | |
| Go & GrowFormerly Bondora Go & GrowMost Conservative | Up to 6%Target rate · paid daily · not guaranteed | €1 | N/A — pooled | EFSA Estonia | Lower | Review → | |
| PeerBerry5 Originator Groups · Group GuaranteeBest Track Record | 11.02%Platform avg. · zero defaults ever | €10 | 60 days | No licence | Medium | Review → | |
| RobocashVertically Integrated · UnaFinancialFastest Buyback | 9.91-12%Platform avg. 9.91% · 11-12% optimised | €10 | 30 days | No licence | Medium | Review → |
⚠ P2P lending is not covered by deposit protection schemes. Your capital is at risk. Past yields are not a guarantee of future returns.
From the Research Desk
Guide
Investment App vs Broker: What's the Difference and Which Do You Actually Need?
Two very different products. One for building a long-term portfolio. One for active trading. Most people need the first, not the second.
Guide
P2P Lending: Higher Yields, Real Risks, and How to Do It Right
How P2P lending actually works, where the risk really sits, and how to build a portfolio that earns the yield without taking unnecessary exposure.
Guide
High-Yield Savings Accounts: Are They Worth It and Which Should You Choose?
Most people leave cash earning next to nothing. High-yield savings accounts pay 3-5% with the same deposit protection. Here is what to open and why.
Frequently Asked Questions
Investment apps are consumer-facing, phone-first platforms designed for long-term portfolio building. They typically offer commission-free trading in stocks and ETFs, simple interfaces, and low or zero minimum deposits. Traditional brokers are aimed at more active traders and often offer access to more complex instruments like options, futures, and CFDs. If you want to invest regularly in a diversified portfolio of stocks and funds, an investment app is usually the better starting point.
Yes, provided the platform is covered by your country's deposit protection scheme. In the UK, the FSCS protects up to £120,000 per person per institution (increased from £85,000 in December 2025). In the US, the FDIC protects up to $250,000. All savings account platforms we review are covered by one of these schemes. P2P lending platforms are not covered by deposit protection — that is a fundamentally different risk profile.
P2P lending platforms connect investors directly with borrowers. As an investor, you lend money to multiple borrowers and receive interest payments in return. The platforms handle origination, credit assessment, and collections. Returns of 6-12% are typical. The risk is that borrowers can default and, more critically, that loan originators or platforms themselves can fail — unlike a savings account, your capital is not protected by any government scheme.
Most modern investment apps allow you to start with as little as £1 or $1, thanks to fractional shares. Trading 212 and Robinhood both support fractional investing from very small amounts. For high-yield savings accounts, most platforms have minimum deposits between £0 and £50. The more important question is not how much you need to start, but how much you can invest consistently over time.
"Commission-free" does not always mean free. The most common hidden costs are: foreign exchange (FX) fees when buying shares in a different currency; platform fees charged as a monthly subscription; and bid-ask spreads on less liquid assets. Our reviews break down the full fee picture for each platform. Always check the full fee schedule before opening an account.
An ISA (Individual Savings Account) is a UK tax wrapper that lets you invest or save up to £20,000 per year without paying tax on any gains or income. A Stocks and Shares ISA lets you hold stocks and ETFs tax-free. A Cash ISA is the savings account equivalent. For UK investors, using your ISA allowance every year is one of the most straightforward ways to improve long-term investment returns. Not all investment apps offer ISAs; our reviews make ISA availability a key criterion.
Yes — we are transparent about this. AllinAllSpace may earn a referral commission when you open an account through links on this page. This is how independent editorial sites like ours fund the research and writing that goes into our reviews. However, it does not affect our ratings or editorial decisions. We do not accept payment to rank a platform higher than its merits warrant.