AI trading apps give traders a real edge by automating decisions, cutting out emotional bias, and executing strategies at speed. These apps work by analysing market data, identifying patterns, and using algorithms to make trading decisions in real time.
With the right app, you can set up bots, follow trading signals, and implement strategies more efficiently than manual trading allows. In this guide, I’ll cover five top-rated AI trading apps, all regulated by respected authorities like the FCA, ASIC, and CySEC. To eliminate bias, my picks are based on both direct testing and authentic app store reviews.
List of the Best AI Trading Apps
Here are my carefully selected top apps for AI trading today.
- Pepperstone – Best Overall
- OANDA Europe LTD – Best for Building Custom Bots*
- Interactive Brokers – Professional Traders’ Best Choice
- FP Markets – Best Choice for MetaTrader Traders
- FxPro – Best Choice for CFD Traders
*76.6% of retail investor accounts lose money when trading CFDs with this provider
In this guide
Apps Reviews
I compared the leading AI trading apps in the UK and selected 5 that consistently deliver strong results. In the mini-reviews that follow, you’ll see what makes each app worth considering—along with the limitations you need to know before using them.
Take your time as you go through each review. Focus on the features that matter most to you, whether that’s automation, pricing, or ease of use, and choose the app that best matches your trading style.
1. Pepperstone – Best Overall
Pepperstone is a versatile broker suitable for traders of all levels, from beginners to professionals. It supports multiple trading platforms and offers tools to simplify both manual and automated trading.
The broker partners with Capitalise.ai, an automated trading application that requires no coding skills. With Capitalise.ai, you can:
- Create trading strategies in plain English – For example, “Buy GBP/USD when RSI drops below 30.”
- Backtest strategies with historical data – See how your strategies will perform before risking real money.
- Automate trades on MT4 – Deploy your strategy directly on your Pepperstone MT4 account.
Capitalise.ai is free for Pepperstone clients. Beginners can also access a library of ready-made strategy examples and set smart notifications for market prices, macroeconomic events, and other alerts.
Pepperstone users also benefit from:
- Availability of TradingView, cTrader, MetaTrader 4 (MT4), and MetaTrader 5 (MT5)
- Free demo account with £50,000 virtual funds for practice
- No strict minimum deposit to start trading
- Clear, beginner-friendly trading guides and tutorials
✔ No dealing desk intervention
- Licensed by the FCA (Firm reference number 684312)
- Elite trading tech, including MT4 and MT5
- No set minimum deposit requirement
- Tight spreads from 0 pips for Raw account users
- No inactivity charges
- Users can only trade CFDs without owning underlying assets
- Limited learning resources for beginners
| Type | Fee |
| Minimum Deposit | $0 |
| Withdrawal fee | $0 |
| Deposit fee | $0 |
| Inactivity fee | No |
| Account fee | No |
Explore the best AI trading platforms in our other guide.
2. OANDA Europe LTD – Best for Building Custom Bots
Seasoned traders can use the OANDA v20 REST API to build advanced custom trading bots in any programming language. With this tool, you can develop bots that perform a wide range of tasks, including:
- Fetching real-time prices of assets such as forex pairs
- Tracking bid/ask spreads to monitor market conditions
- Placing and modifying orders automatically
- Managing and closing open positions efficiently
Beyond simple bots, the OANDA API allows skilled traders to create advanced services, such as providing exchange rates for e-commerce businesses or implementing high-frequency trading (HFT) algorithms to capitalise on market opportunities 24/7.
OANDA has no minimum deposit, so financial limitations won’t prevent you from starting. The broker supports multiple platforms, including TradingView, MT4, and MT5. With a funded OANDA account, you can spread bet and trade CFDs on a wide range of instruments, including forex, shares, and commodities.
When signing up, OANDA offers three account types:
- Standard – Designed for retail traders, includes most assets and platforms, 24/5 support, and fully automated execution.
- Professional – Offers additional features not available on Standard accounts, such as leverage up to 200:1. Eligibility requires an investment portfolio of at least £500,000.
- Spread Betting – Allows tax-free speculation on 100+ financial instruments without paying stamp duty or Capital Gains Tax (CGT) on profits.
For access to a broad range of CFD assets, choose a Standard or Professional account based on your experience and eligibility. Spread betting accounts are ideal for investors who want to speculate on the price movements of a smaller number of assets while avoiding certain taxes.
✔ Fast and user-friendly account opening
- Licensed by the FCA (Reference number 542574)
- No minimum deposit requirement
- Powerful API for advanced bot-building
- MT4, MT5, and TradingView hosted
- You can test it with a demo account before committing
- Limited to CFD assets
- Lack of face or touch ID verification
| Type | Fee |
| Minimum deposit | $0 |
| Overnight fee | Yes |
| Deposit fee | $0 |
| Withdrawal fee | $0 to your PayPal account* |
| Inactivity fee | Yes |
*We do not charge a fee for withdrawals made to your PayPal account. If your PayPal account is denominated in a currency other than GBP, EUR or USD, you may incur an exchange fee levied by PayPal.
Note: 76.6% of retail investor accounts lose money when trading CFDs with this provider.
3. Interactive Brokers – Professional Traders’ Best Choice
If you’re a seasoned trader looking for a powerhouse AI trading app, Interactive Brokers (IBKR) offers advanced features that professionals love, though beginners might find them overwhelming. Its key advantages include:
- Institutional-grade APIs for building automated algorithmic trading strategies
- Multiple order types, algorithms, and tools for implementing complex strategies
- Strategy Builder for creating advanced multi-leg options strategies
IBKR users also have free access to Capitalise.ai through the client portal. This code-free, text-based tool lets you develop automated trading strategies in plain language, for example: “If XYZ stocks appreciate by 10%, buy 50 shares.”
IBKR provides several powerful trading platforms tailored for professionals:
- Trader Workstation – Trade a wide range of instruments, including stocks, options, futures, FX, and bonds. Access live quotes, technical analysis, customisable market scanners, and more from one window.
- IBKR API – Multiple APIs, including FIX API, for building custom trading bots. Beginners can learn to use these tools via IBKR’s Traders’ Academy courses.
IBKR also offers a broad product range, including:
- CFDs on forex, shares, metals, and indices
- Fractional shares of popular stocks like Netflix, Amazon, and Google
- ETFs, options, and government bonds
✔ Top trading platform for advanced
- Licensed by the FCA (Reference number 208159)
- No minimum deposit requirement
- Multiple robust APIs
- Investment products and CFDs available
- Beginners can practise with £1 million virtual cash in demo mode
- Users have to cover market data fees
- Only 1 withdrawal request per month is free
| Type | Fee |
| Minimum Deposit | $10 |
| Deposit Fee | Free |
| Withdrawal Fee | Free |
| Inactivity Fee | $0 |
4. FP Markets – Best Choice for MetaTrader Traders
FP Markets is the best AI trading app in the UK for MetaTrader users. Its platform gives you uncapped access to both MetaTrader 4 and MetaTrader 5:
- MT4 – Optimised for forex trading, MT4 offers features such as MarketWatch, Expert Advisors (EAs), and a customisable interface. It’s user-friendly and ideal for traders focusing on the forex market.
- MT5 – Includes most MT4 features plus extras like 21 timeframes, 38 built-in indicators, and an economic calendar. MT5 is perfect for multi-asset trading.
With an active FP Markets account, you can also use TradingView for advanced charting and cTrader for its sophisticated order types. Full trading automation and copy trading are supported through both MT4 and MT5. You can even build and deploy custom trading bots on cTrader using the cTrader Automate tool.
Forex traders can enjoy ultra-low spreads from 0 pips with an FP Markets Raw account. Many currency pairs are included, such as GBP/USD, GBP/CAD, GBP/AUD, EUR/JPY, AUD/CAD, and EUR/USD.
FP Markets also lets you trade a wide range of other financial instruments, including:
- CFDs on shares from the UK, US, Europe, and Hong Kong
- Metal derivatives like XAGAUD, XAUUSD, and XAUGBP
- Commodities such as cocoa, corn, cotton, and wheat
- Popular indices including AUS200, CHINA50, and HK50
CFDs on digital assets such as Bitcoin, Cardano, and Polkadot are also available. However, FCA regulations restrict crypto CFD trading to professionals who meet specific criteria, including at least one year of professional experience in the financial sector.
✔Accounts can be opened fast and easy
- Automated trades via MT4, MT5, and cTrader
- Low forex spreads from 0 pips on Raw
- Many learning and educational tools
- 24/7 email, live chat, and phone support
- Users can test available platforms with demo accounts
- No FSCS (Financial Services Compensation Scheme) coverage
- Limited assets for UK traders compared to their competitors
| Type | Fee |
| Minimum deposit | $100 |
| Overnight fee | $0 |
| Deposit fee | $0 |
| Withdrawal fee | Depends on payment method |
| Inactivity fee | $0 |
5. FxPro – Best for CFD Traders
If you are looking for a top AI-powered trading app for CFD trading, FxPro offers a wide range of opportunities. With an active FxPro account, you can trade thousands of CFDs across major financial instruments, including:
- Forex pairs such as EUR/GBP and GBP/USD
- Shares like Associated British Foods and Adidas AG
- Precious metals, including gold and copper
- Energy products, futures, and popular indices
FxPro provides several trading platforms to suit different preferences:
- FxPro mobile app – Designed for smartphone-orientated traders for trading on the go
- FxPro WebTrader – Browser-based access for easy trading anywhere
- cTrader, MT4, and MT5 – Full-featured platforms supporting automation, advanced charting, and order types
FxPro caters to retail, professional, and high-net-worth traders. For those trading large volumes, a VIP account offers perks such as up to 30% discounts on market spreads. To open a VIP account, you must fund your wallet with a minimum of £50,000.
Before trading CFDs, please note that, according to FCA data, around 80% of retail investors lose money. Trade only with money you can afford to lose, and manage risk using tools such as stop-loss orders.
✔ Trustworthy broker
- Licensed by the FCA (Reference number 509956)
- MT4, MT5, and cTrader are supported
- Tight spreads from 0 pips for Raw+ users
- All traders enjoy negative balance protection
- Newbies can practise with demo accounts with £100K virtual money
- £15 monthly fee after 6 months of inactivity
- Limited learning resources
| Type | Fee |
| Minimum deposit | $100 |
| Withdrawal fee | $0 |
| Inactivity fee | $15 once + $5 monthly |
Read about the best paper trading platforms and best options trading platforms UK in our other articles.
How AI Trading Apps Work
AI trading apps work like smart assistants for traders. They collect and process large amounts of market data in real time. This includes price changes, technical indicators, news, and even market sentiment. By spotting patterns faster than a human, the apps can identify trading opportunities within seconds.
The core technology is powered by algorithms and artificial intelligence. Neural networks help detect hidden price trends. Machine learning models improve strategies through practice and testing. Some apps even use language processing tools to read news and social media for signals. When conditions match the set rules, the app places trades automatically.
Before going live, most AI strategies are tested on historical market data. This process, known as backtesting, helps to refine and adjust the system. Once active, the app keeps running on its own. It monitors trades, adapts to market changes, and executes decisions with speed and accuracy.
Read about the best crypto trading bots in our other guide.
Best AI Apps for Crypto Traders
If you also want to trade real crypto assets, several AI-powered trading apps are ideal for this purpose:
- Kraken – Offers custom or subscription-based AI trading bots. Licensed by the FCA (Reference number: 928768), Kraken users can access over 350 cryptocurrencies.
- Crypto.com – Lets you buy and sell crypto 24/7 using AI-driven DCA, Grid, and TWAP bots. Clients can trade over 400 cryptocurrencies on a reliable FCA-regulated platform (Reference number: 941745).
- eToro – Provides access to 100+ vetted crypto assets, from Bitcoin to IOTA. You can also copy other traders or leverage insights from the platform’s social trading community (FCA reference number: 583263).
How to Choose the Right AI Trading App in the UK
Getting started with the right AI trading app in the UK is a crucial decision that significantly impacts your trading experience and outcomes. With many platforms available, it is important to filter out low-quality or unregulated providers. A poor choice can expose you to hidden charges, weak performance, or even fraudulent schemes. By evaluating a few key factors, you can select an app that is safe, reliable, and aligned with your trading goals.
Below are the most essential steps to consider before committing to any AI trading app.
Security should always be the top priority in trading. When you deposit money into a platform, you are trusting that company with both your funds and personal information. To protect yourself, choose apps that are authorised by well-known regulators such as the UK’s Financial Conduct Authority (FCA). Regulation ensures that the company adheres to strict financial standards and is accountable for its operations.
Alongside regulation, look for strong security features built into the app. Two-factor authentication (2FA), data encryption, and withdrawal verification are standard safety measures. These add extra layers of protection and reduce the risk of hacking or unauthorised access. If an app fails to provide precise details on its security practices, it’s a strong sign to avoid it.
An AI app is only helpful if it works smoothly during live trading. Markets can move in seconds, and any delay or crash could cost you money. That is why speed and stability are essential features to test. Most providers offer demo account, which are a great way to check execution times, data updates, and general responsiveness before risking real capital.
Equally important is the app’s design and usability. A cluttered or confusing interface makes it harder to react quickly. On the other hand, a clean and intuitive layout enables you to monitor trades, adjust settings, and track performance with ease. The best platforms strike a balance between advanced tools and easy navigation, allowing both beginners and experienced traders to use them effectively.
Diversification is one of the golden rules of trading. A good AI trading app should give you access to a wide range of assets, not just a single market. This flexibility allows you to spread risk and explore different opportunities. Look for platforms that include forex pairs, stock CFDs, indices, and commodities as a standard offering.
If you are interested in newer markets, such as cryptocurrencies or ETFs, confirm that these are also supported. Some apps limit their products to CFDs, which may restrict your strategy. By choosing a platform with broad asset coverage, you keep more options open and avoid being locked into one trading style.
Every trader knows that fees eat into profits. That is why comparing trading costs is a key step before committing to an AI app. Focus on spreads, commissions, and overnight charges, as these will impact your bottom line. Some apps advertise zero commissions but make money through wider spreads; therefore, it is essential to read the fine print.
Beyond trading costs, be aware of non-trading fees. Charges for withdrawals, deposits, or even account inactivity can add up over time. A platform that appears inexpensive at first may turn out to be more expensive once hidden costs are factored in. Always calculate the total cost of trading, not just the headline figures.
The best AI trading apps do more than just execute trades. They also provide resources to help traders improve their knowledge and make informed decisions. Beginners benefit from demo trading, tutorials, and trading courses. Experienced traders often seek advanced charting tools, market news feeds, and analyst commentary to refine their trading strategies.
Having these tools within the same platform saves time and makes trading more efficient. For example, receiving live market updates or economic calendars directly within the app enables you to adjust positions without needing to switch between multiple sources. A platform that invests in education and research shows a genuine interest in supporting its users.
Finally, learn from the experiences of other traders. Reviews and recommendations give valuable insights into how an app performs in real conditions. Look for repeated positive feedback on speed, customer support, and payout reliability. Real user opinions often highlight strengths that marketing materials overlook.
At the same time, be cautious of red flags. Frequent complaints about withdrawal delays, poor customer service, or technical problems are strong warning signs. Since your money is at stake, it is better to avoid apps with a history of user dissatisfaction and choose one with a trustworthy reputation instead.
Explore also in our other guide Algorithmic Trading Platforms.
Risks and Considerations
AI trading apps aren’t risk-free, nor do they guarantee profits. Like any other financial tool, they come with limitations and risks that you should fully understand before relying on them for real trades. Here’s a breakdown of the most common concerns:
- Technical failures
AI apps depend heavily on servers, APIs, and stable internet connections. If any of these components fail, trades may not execute as planned. For example, a delayed API response can result in missed buy or sell signals, while overloaded servers during peak trading hours can lead to increased slippage. Even a brief system outage can result in significant losses.
- Lack of transparency
Most AI apps provide little or no information about how their algorithms function. As a user, you may not be aware of which indicators, data sources, or backtesting methods are being used. This lack of visibility makes it more difficult to assess whether a strategy is robust. Additionally, many platforms conceal costs in the fine print, including high withdrawal fees, inactivity charges, or inflated spreads, which can erode your profits.
- Overreliance on automation
Traders who rely too heavily on automation often reduce their market awareness. Since AI models are trained on historical data, they struggle with unexpected events such as regulatory changes, sudden geopolitical crises, or flash crashes. When these occur, the app may execute trades that amplify losses before you even notice, making constant monitoring essential.
- Costs
Beyond the advertised subscription fees, many apps charge additional fees for premium features, advanced strategies, or higher trading volumes. Commissions and spreads also vary significantly across platforms. Calculating the total cost of ownership (TCO), including hidden fees, is critical before committing. Comparing these costs with traditional brokers can help you decide whether an AI trading app is truly cost-effective.
- Poor regulation
Not every AI trading app is backed by a licensed broker or financial authority. Apps that operate outside the oversight of regulators such as the FCA (UK), ASIC (Australia), or CySEC (Cyprus) present significant risks. Without regulation, there’s no guarantee of fund safety, fair execution, or recourse if the company manipulates performance data or disappears altogether.
Finally, be aware of the tax implications of trading with AI apps in the UK. Profits generated through these platforms are still subject to taxation. For instance, if you trade shares using AI tools, gains above the £3,000 annual exemption for the 2025/2026 tax year will be subject to Capital Gains Tax (CGT). For detailed information, consult the GOV.UK website or a qualified tax advisor.
Conclusion
AI trading apps can give you a real edge by automating trades and reducing emotional bias, but they are not a shortcut to guaranteed success. To maximise the benefits of these tools, focus on developing learning, strategy, and trading discipline. Always backtest any automated strategy or trading bot before using real money.
When you transition to live trading, consider your tax obligations and financial risks. In the UK, profits from CFDs, stocks, or crypto may be subject to Capital Gains Tax if they exceed personal allowances. Maintain accurate records of trades, deposits, and withdrawals. And since over 80% of traders lose money, don’t risk more than you can afford to lose.
How we test?
The TradingGuide team, made up of myself and other experienced analysts, carefully researched and tested a wide range of AI trading apps to find the best options. We began by listing all available apps, verifying their regulatory status, and comparing key aspects such as fees, available assets, and reputation. From there, we tested the top contenders and selected five apps that stood out for their reliability and features.
Our thorough testing and selection process ensures that we recommend safe, reliable, and easy-to-use apps. By combining our test results with feedback from other users, we provide recommendations that are unbiased and objective. Curious about our methodology? Learn more on our How We Test page.
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Great list of apps, but I’d still recommend trying them out with a demo account first to see which one suits your style best.