Plynk App Review: Investing For Beginners

Today, you can buy and sell stocks and crypto on your app. But where do you start? How do you get started investing? That's where the Plynk® App comes in.

While FinTech companies have paved the way for this wave of fingertip access and one-click investments, few have designed a product that helps you change your behaviors to start investing. Plynk® is a mobile app designed to address that gap. 

Using financial incentives, Plynk® provides helpful investment articles for you to read, set up automated investments, and develop a diversified portfolio. If you’re new to investing, Plynk® could be the ideal app to get you started. 

Here’s what you need to know. 

What Is Plynk®?

The Plynk® App is an investing app designed for people who are just getting started investing. The app incentivizes learning and automated investing, which are keys to long-term growth. 

While Plynk offers the ability to explore everything from crypto to meme stocks, they want to expand your financial education and develop a long-term investing mindset. Most investors who use the app will likely build a well-diversified portfolio over time.

What Does It Offer?

The Plynk® App is an online investing app available for iOS and Android. The app makes it incredibly simple to make investment decisions with just a few clicks.

Start Investing With Just $1

Plynk® has no investment minimums. You can place trades for as little as $1. 

Virtual Portfolios and Simulated Trading

You can setup a combination of investments with virtual portfolios and see how they would have performed from a certain point in time. Once you open a brokerage account, you can enter the simulated trading tool. You'll be given $100,000 in virtual money that you can use to invest in a wide variety of stocks and funds.

Your "mock" investment portfolio is tracked in real time based on the actual market value of your holdings - meaning you can see how you perform in real market conditions.

You can combine that with practice investing and build confidence without using real money.

Easily Automate Investments

Automating your investments “forces” you to spend less than you earn and invest the difference. Many brokerage companies make that easy, but the minimum investments can be a barrier for people just getting started. Plynk® gives you the option to start automated investing with just $1. If you want to invest $20 per month, you can start with that.

Option To Buy And Sell Crypto

While Plynk® emphasizes traditional assets and well-balanced investment portfolios, it also offers non-traditional assets like crypto. If you’re interested in learning about crypto, you can dabble in crypto trading through Plynk®. 

The company partners with Paxos Trust Company to offer crypto trading through the app. If you choose to buy and sell crypto, you will pay a small fee to cover the transaction costs.

Are There Any Fees?

Plynk’s® goal is to reduce friction from investing. Because of that, it does not charge trading fees on stocks, bonds, mutual funds, or ETFs. There are some fees for wire transfers and other services. You can review the fee schedule here.

The Plynk® App does charge for crypto trades and you can view their cryptocurrency fee schedule here.

This fee is less expensive than comparable trading fees on major crypto exchange Coinbase.

How Do I Contact Plynk®? 

The best way to contact Plynk® is via the “Contact Us” button inside the app. You can also email [email protected] to get in touch with the app’s support team.

The company’s headquarter location is 499 Washington Boulevard, Jersey City, NJ 07310.

How Does Plynk® Compare?

The Plynk® App is one of the few investment apps designed to help you transition from investing curious to a long-term investor. 

The emphasis on education and automation makes it an amazing option for many beginning investors. It is similar to Acorns which is another app designed for beginning investors. Plynk® charges slightly lower fees than Acorns, but also offers fewer services.

Because the Plynk® App emphasizes long-term investing behavior, it is important to compare it  with other apps that emphasize the importance of long-term growth. For example, robo-advisors like M1 Finance, Betterment, and Wealthfront all create simple pathways toward wealth building. 

While Plynk® has the greatest emphasis on investment education, its tools aren’t perfect for the long haul. Unlike the robo-advisors, Plynk® doesn’t offer automated rebalancing.

These features could make it a less valuable tool over time.

How Do I Open An Account?

Download the Plynk® App from the App Store or Google Play. Once you’ve downloaded the app, you can create an account. 

You will need to provide your name, email address, cell phone number, physical address, and your Social Security Number. 

Once that is done, you will add a bank account. After you have an account, you can follow simple tutorials to start investing.

Is It Safe And Secure?

Plynk® is an online brokerage that is regulated through FINRA and is a member of the SIPC. As a member of these regulatory bodies, Plynk® is required to follow certain safety and security practices such as encrypting personal data, and disclosing when it shares your data. 

In general, the company does not share data except with Paxos, which is the company’s crypto partner.

As a digital-first company, Plynk® maintains high security standards. While it has not suffered from a data breach in the past, that is always a risk. 

If a data breach should happen, your assets would be restored for up to $500,000 via SIPC insurance. That insurance would not cover losses in crypto assets if they were stolen in a hack. This is standard across all crypto brokerages.

Is It Worth It?

The Plynk® App removes obstacles that often prevent people from investing. If you’ve struggled with investing in the past, the Plynk® App is a great tool to jump-start your investment journey.

Changing habits don’t happen suddenly, so using the app over time can allow you to see how certain investments relate to short- or long-term strategies for example, so in some ways, you can put theories into practice. 

Open an account here >>

The Plynk® App Features

DISCLOSURES
Access to the Plynk app is free. Transactional fees may apply. Fees apply to individual crypto trades.
Keep in mind that investing involves risk. The value of your investment will fluctuate over time, and you may gain or lose money.
Past performance is no guarantee of future results.
Cryptocurrencies are volatile and highly speculative, may be subject to market manipulation and liquidity constraints, and you may lose the full value of your investment. You should carefully consider your financial circumstances and risk tolerance before trading crypto. None of the legal protections associated with your brokerage account at DBS (such as the protections under the Securities Investor Protection Corporation [SIPC]) apply to your crypto assets. Crypto assets are also not insured by the Federal Deposit Insurance Corporation (FDIC).
For a full discussion of the risks involved when trading crypto, please see Risks of Trading Cryptocurrency.
The information herein is not intended to serve as a basis for any investment decision or recommendation. Digital Brokerage Services LLC does not provide financial or investment advice, and you should conduct your own due diligence and analysis based on your specific needs.
The Plynk® app provides access to different types of accounts and related services. Brokerage services are provided by Digital Brokerage Services LLC (DBS), member FINRA, SIPC, 499 Washington Boulevard, Jersey City, NJ 07310. Brokerage custody and clearing services are provided by Green Pier Fintech LLC, both members FINRA and SIPC. Crypto services are provided only by Paxos Trust Company (Paxos), a New York State-Chartered limited liability trust company (NMLS #1766787).
The Simulated Trading tool is for informational purposes only. Please note that past performance in the simulation does not indicate future results in actual trading. Investing involves risk, including risk of loss.
Commission-free applies to U.S. equity trades and funds for Digital Brokerage Services LLC (DBS) retail clients. Expenses charged by investments, interest charges, or other expenses for transactions still apply. See brokerage fee schedule for details. Separate expenses for crypto apply. See crypto fee schedule for details.
Plynk marks are the property of FMR LLC; third-party marks are the property of their respective owners.
© 2026 FMR LLC. All rights reserved
This is for persons in the US only.