El mejor neobanco para invertir en Europa en 2026
Acciones, ETF, acciones fraccionadas y planes de ahorro automáticos: todo integrado en tu cuenta bancaria. Actualizado en marzo de 2026.
Más de 8000 acciones, más de 3000 ETF, bonos, criptomonedas y derivados. 1 € por operación; planes de ahorro gratuitos a partir de 1 € al mes. 150 000 millones de euros en activos bajo gestión, 10 millones de usuarios. Licencia bancaria alemana.
Más de 2000 acciones, más de 200 ETF, criptomonedas, materias primas... todo en tu app bancaria. 1 operación gratuita al mes con el plan gratuito. Licencia bancaria completa de la UE + inversión a través de Revolut Securities UAB.
Comparativa de plataformas de inversión
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
Regulatory: FINRA + SIPC
Brokerage subsidiary SoFi Securities LLC; FINRA + SIPC member.
Regulatory: FINRA + SIPC
Cash App Investing LLC; FINRA/SIPC member; clearing via DriveWealth.
Regulatory: SEC + FINRA
Mercury Treasury managed by Apex Clearing / Vanguard funds.
Regulatory: CVM + B3
Nu Invest brokerage subsidiary; CVM-regulated.
Regulatory: CNV (Argentina) + CVM (Brazil)
Yield is the headline use case in AR — high-inflation hedge.
Regulatory: CVM + B3
Inter DTVM — CVM-regulated brokerage.
Regulatory: CVM + B3
C6 DTVM brokerage subsidiary.
Regulatory: CNV (Argentina)
Ualá Bis brokerage subsidiary; CNV-regulated.
Regulatory: MAS
Revolut Securities (Singapore) Pte. Ltd. — MAS-regulated.
Regulatory: FSC + FSS
Mini Stock — fractional KRW or USD investing in-app.
Regulatory: SCA + CBUAE
Mashreq Neo Wealth — wealth management module. // TODO(verify)
Regulatory: SEC Nigeria
Kuda Invest — limited investment menu. // TODO(verify)
Regulatory: SEC Nigeria
OWealth — MMF wrap. // TODO(verify)
Regulatory: SCA + CBUAE
Wio Invest module — wealth-management add-on. // TODO(verify)
Regulatory: CMA + SAMA
Sharia-compliant investment products via Gulf International Bank wealth desk. // TODO(verify)
Regulatory: FSCA + SARB
Discovery Invest module integrated. // TODO(verify)
Regulatory: SEC + CBN
ALAT Invest module. // TODO(verify)
Regulatory: FINRA + SEC
Ally Invest — self-directed brokerage.
Regulatory: FINRA + SEC
Brex Treasury MMF.
Regulatory: CVM + BACEN
PAN Investimentos.
Regulatory: FSC + FSS
Toss Securities sibling product.
Regulatory: CSRC + CBIRC
// TODO(verify)
Regulatory: SCA + CBUAE
// TODO(verify)
Regulatory: FCA + CBK
Sharia-compliant. // TODO(verify)
Regulatory: SEC + CBN
Carbon Investments — MMF.
Regulatory: SEC partnerships
Chipper US-stocks for African users.
Todos los bancos — Referencia rápida
| Banco | Acciones | ETF | Fraccionadas | Planes de ahorro | Comisiones por operación | Protección MiFID |
|---|---|---|---|---|---|---|
| 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 | |||||
| Chime | No investing | |||||
| Varo Money | No investing | |||||
| SoFi | 8,000+ | 4,000+ | ✅ | — | $0 (self-directed); 0.25% AUM (Active) | €500,000 |
| Cash App | 2,000+ | 500+ | ✅ | — | $0 | €500,000 |
| Mercury | — | — | — | — | 0.20% AUM (Treasury) | — |
| Nubank | 800+ | 80+ | ✅ | — | R$0 | — |
| Mercado Pago | — | — | — | — | 0% | — |
| Banco Inter | 1,500+ | 200+ | ✅ | — | R$0 | — |
| C6 Bank | 1,200+ | 150+ | ✅ | — | R$0 | — |
| Ualá | — | — | — | — | 0% | — |
| Revolut Singapore | 1,500+ | 200+ | ✅ | — | Tiered | — |
| GoTyme | No investing | |||||
| Tonik | No investing | |||||
| Kakao Bank | 2,000+ | 300+ | ✅ | — | 0.015% | — |
| Up Bank | No investing | |||||
| Liv. | No investing | |||||
| Mashreq Neo | — | — | — | — | Tiered | — |
| Kuda | — | — | — | — | 0% | — |
| Opay | — | — | — | — | 0% | — |
| TymeBank | No investing | |||||
| Wio | — | — | — | — | Tiered | — |
| stc Bank | No investing | |||||
| Meem | — | — | — | — | Tiered | — |
| ila Bank | No investing | |||||
| Discovery Bank | — | — | — | — | Tiered | — |
| Bank Zero | No investing | |||||
| ALAT by Wema | — | — | — | — | Tiered | — |
| Ally Bank | — | — | — | — | $0 commission | €500,000 |
| Discover Bank | No investing | |||||
| Marcus by Goldman Sachs | No investing | |||||
| Brex | — | — | — | — | $0 MMF | €500,000 |
| Bluevine | No investing | |||||
| Nequi | No investing | |||||
| Klar | No investing | |||||
| Stori | No investing | |||||
| RappiPay | No investing | |||||
| Banco PAN | — | — | — | — | Tiered | — |
| Toss Bank | — | — | — | — | 0% commission domestic | — |
| Bank Jago | No investing | |||||
| WeBank | — | — | — | — | Tiered | — |
| Trust Bank | No investing | |||||
| Maya Bank | No investing | |||||
| YAP | No investing | |||||
| Zand | — | — | — | — | Tiered | — |
| Nomo | — | — | — | — | Tiered | — |
| Now Money | No investing | |||||
| Carbon | — | — | — | — | 0% MMF | — |
| M-Shwari | No investing | |||||
| Chipper Cash | — | — | ✅ | — | 0% commission | — |
| Mukuru | No investing | |||||