State of Digital Investment in Europe – full map | Markswebb

A bird’s eye view of 320 services across 32 countries

The European market for digital investment services is evolving fast—but seeing the full picture isn’t easy. New players emerge, national champions expand abroad, and user expectations vary subtly across countries. To make sense of it all, we’ve built the first independent map of Europe’s investment-tech ecosystem — and it’s now available as a downloadable PDF.

The map presents 300+ digital investment platforms identified through multilingual search queries and official exchange partner lists. Manual review complemented the dataset with major banks and widely used apps.

Here’s what you’ll find inside:

  • 320 mobile investment services across 32 European countries.
  • Coverage of 18 asset classes (from stocks and ETFs to crypto and bonds).
  • Insights into service size: from niche players with 1,000 users to platforms with over 100 million downloads.
  • Data on service type, ownership and Android download numbers.

The map is delivered as a high-resolution PDF, optimized for both desktop and mobile viewing. Pinch and zoom to explore details, or print it out as a poster for your product room.

Landscape of digital investment apps in Europe
  • 32 countries
  • 320 services
  • 18 asset classes

If you’re building or scaling a digital investment platform in Europe, this map will help you:

  • Spot market gaps where user demand isn’t yet met.
  • Benchmark your offering against regional leaders in UX and functionality.
  • Avoid overcrowded niches and refine your go-to-market strategy.
  • Quickly brief your team or investors with a single, clean visual.
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For deeper insight, explore the full Notion dataset of European digital investment services.

This map is more than a static visualization. It’s a tool for product teams, strategists and founders to quickly navigate the European landscape, identify overcrowded niches, and spot untapped opportunities. It outlines the structure of Europe’s digital investment landscape, showing which services exist and how they differ by geographic reach, product type, and estimated market size.

Share your feedback!

The map and the dataset are created in May 2025. If you find any mistakes or want to share your opinion, please, contact us in WhatsApp or by email.

What makes this map different?

Most competitive landscapes are either too shallow (leaving out key local players) or too fragmented (hard to see connections and overlaps). Our goal was to create a clear, comprehensive and actionable snapshot of Europe’s invest-tech market.

We designed the map to answer critical questions:

  • Where are the gaps in the market for specific instruments?
  • Which countries are saturated—and where is there still room for growth?
  • Who dominates key asset classes in major markets?

Unlike most charts, our map focuses on real user-facing services, not just the legal structures of brokers. It’s user-centric, highlighting how and where investors interact with platforms.

It’s also the first independent visualization of Europe’s digital investment ecosystem, built from:

  • Local-language search queries (e.g., «buy ETF in Spain»).
  • Official stock exchange partner lists.
  • Manual curation of major banks and apps underrepresented in search.
  • Verified metrics like Android download counts.

To make things actionable, the map also links to a Notion dataset where each service can be explored in more depth.

Beyond the map: the full European Invest-Tech Study

This PDF map is part of a larger research project: Markswebb’s State of Digital Investment in Europe. The full study includes:

  • Two independent rankings: best platforms for long-term savers and for active traders.
  • Comparative feature analysis of 20 leading platforms.
  • Investor interviews revealing motives, fears and unmet needs.
  • Best-practice library of winning UX solutions.
Book a 15-minute demo

See how the full study can guide your digital investment service strategy, reduce time-to-market and boost team performance.

Get a quote

Countries in the list

EU countries

Austria, Belgium, Bulgaria, Croatia, Republic of Cyprus, Czech Republic, Denmark, Estonia, Finland, France, Germany, Greece, Hungary, Ireland, Italy, Latvia, Lithuania, Luxembourg, Malta, Netherlands, Poland, Portugal, Romania, Slovakia, Slovenia, Spain and Sweden.

European Economic Area

The EEA includes EU countries and also Iceland, Liechtenstein and Norway. It allows them to be part of the EU’s single market.

Switzerland is not an EU or EEA member but is part of the single market. Switzerland is not in the EU or EEA, but maintains market access through bilateral deals.

Non-EEA countries from our list

UK, Switzerland, Serbia.

Service types used explained

1. Bank

Retail or universal banks — including digital-first and mobile-only banks — that offer investment products alongside core banking services (e.g. current accounts, cards, savings). Investments are typically integrated into the main banking app and may include stocks, ETFs, funds, or crypto.

Revolut, ING, Intesa Sanpaolo, Unicaja Banco, Alior Bank, N26, Raiffeisenbank CZ, Nordea

2. Cryptocurrency Marketplace

Multi-asset crypto platforms that offer trading, conversion, and often custody of cryptoassets, stablecoins, and sometimes fiat. Typically designed for retail users with accessible UX and multiple payment methods. May include features like staking, savings, NFT trading or rewards.

Bitpanda, Crypto.com, YouHodler, Binance, Kraken, Coinbase

3. Cryptocurrency Platform

Crypto-native services focused on one or several core functions (e.g. custody, non-custodial wallets, DCA, staking, on/off ramps) with minimal fiat exposure. These platforms are often designed around self-custody, transparency, and lean interfaces for more experienced users.

Northcrypto, Relai, Swissborg, Bitwala, Trezor Suite

4. Robo Advisor

Automated investment platforms offering goal-based portfolios (usually ETFs or index funds) tailored to the user’s risk profile. Portfolios are passively managed and periodically rebalanced. Interfaces are typically simple, mobile-first, and require minimal financial knowledge.

Indexa Capital, Volt by Vontobel

5. Trading Platform

Self-directed or hybrid platforms that allow users to buy and sell a wide range of assets—such as stocks, ETFs, crypto, options or derivatives—via mobile or web. May include full trading functionality, long-term investing tools, or even automated portfolios (e.g. robo-advisory as an optional feature). Typically designed for users who want flexibility, control, and a broader product shelf.

DEGIRO, Scalable Capital, Trade Republic, XTB, Freedom24, Xtrade, Fortrade, Keytrade Bank, S Broker

6. Traditional Asset Management Platforms

Platforms operated by traditional asset managers, wealth management firms or private banks, offering access to investment funds or managed portfolios. Typically feature advisory or discretionary services, and may have higher entry thresholds or slower onboarding.

Brewin Portfolio Service, Direct Investment Service, Wise Assets

 

Ready to learn more about the structure of the European investment market and how to succeed in it through superior digital experiences? Message us on WhatsApp or fill out the form below.

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