{"id":568387,"date":"2025-11-19T15:53:23","date_gmt":"2025-11-19T15:53:23","guid":{"rendered":"https:\/\/www.finder.com\/uk\/?p=568387"},"modified":"2026-03-26T11:31:23","modified_gmt":"2026-03-26T11:31:23","slug":"prosper","status":"publish","type":"post","link":"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/prosper","title":{"rendered":"Prosper investing review 2026"},"content":{"rendered":"<style>\n#user-review-promo { display: none; position: fixed; height: 100vh; width: 100vw; background: rgba(255, 255, 255, 1); top: 0; left: 0; z-index: 79; }\n#user-review-promo-content { position: absolute; top: 50%; transform: translate(-50%, -50%); padding: 10px; max-width: 40em; text-align: center; left: 50%; width: 100%; }\n#user-review-promo-element { font-size: 1.2em; }\n#user-review-promo-rating-stars { display: flex; flex-direction: row-reverse; justify-content: center; font-size: 2em; color: #9e9e9e; }\n#user-review-promo-rating-stars span { font-size: 2.3rem; }\n#user-review-promo-rating-stars span:hover { cursor: pointer; }\n#user-review-promo .luna-stars { aspect-ratio: 1 !important; }\n#user-review-promo-rating-stars .luna-stars::before, #user-review-promo-rating-stars .luna-stars::after { content: \"\\2605\" !important; }\n#user-review-promo-rating-stars .luna-stars::after { width: 0%; }\n#user-review-promo-rating-stars .luna-stars:hover::after { width: 100%; }\n#user-review-promo-rating-stars span.luna-stars:hover~span::after { width: 100%; }\n#user-review-promo-user, #user-review-promo-review, #user-review-promo-btn,\n#user-review-promo-members { display: none; transition: 1s all; opacity: 0; }\n#user-review-promo-close { font-size: 1.5em; text-align: right; padding-right: 0.5em; }\n#user-review-promo-close:hover { cursor: pointer; }\n#user-review-promo-core { display: none; }\n.lds-facebook { display: inline-block; position: relative; width: 80px; height: 80px; }\n.lds-facebook div { display: inline-block; position: absolute; left: 8px; width: 16px; background: #2ea8ff; animation: lds-facebook 1s cubic-bezier(0, 0.5, 0.5, 1) infinite; 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min-height: 100px;\"><\/textarea>\n<\/div>\n<div id=\"user-review-promo-user\">\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Your Name<\/label><input id=\"user-review-promo-name\" class=\"luna-input\" type=\"text\" placeholder=\"Your Name (Required)\" required=\"\" style=\"width: 100%\"><\/div><\/div>\n<div class=\"luna-form__group\"><div class=\"luna-form__field\"><label class=\"luna-label required\" style=\"display: none;\">Email<\/label><input id=\"user-review-promo-email\" class=\"luna-input\" type=\"text\" placeholder=\"Your Email (Required)\" required=\"\" style=\"width: 100%;\"><div id=\"user-promo-email-field-error\" style=\"font-size: .8em; margin-top: .5em; margin-bottom: 0\"><\/div><\/div><\/div>\n<div id=\"optin\" class=\"luna-form__group text-left\"><div class=\"luna-form__field\"><div class=\"luna-form__selectionGroup\"><div class=\"luna-form__selection\"><input class=\"luna-checkbox\" type=\"checkbox\" id=\"check-1c\" name=\"checkGroup\" aria-describedby=\"check-error-1c\"><label class=\"luna-label\" for=\"check-1c\">\n<div style=\"font-size: 18px;\">Sign up for expert money tips + the chance to win \u00a3100!<\/div>\n<div style=\"font-size: 14px;\">By signing up you agree to receive emails from Finder and to the <a href=\"https:\/\/www.finder.com\/uk\/privacy-policy\">privacy policy<\/a> and <a href=\"https:\/\/www.finder.com\/uk\/terms-of-use\">terms &amp; conditions<\/a>.<\/div><\/label><\/div><\/div><\/div><\/div>\n<\/div>\n<button id=\"user-review-promo-btn\" class=\"luna-button luna-button--success luna-button--fluid\" type=\"submit\">Next<\/button>\n\n<div id=\"user-review-promo-members\">\n\n          \n<p id=\"user-review-partner-return\" style=\"font-size: .9em; display: none\">\n<\/p><div class=\"has-margin-bottom-small\">Thanks for your review.<\/div>\n<a href=\"https:\/\/www.prosper.co.uk\/\" class=\"luna-button luna-button--primary\">Return to Prosper<\/a>\n\n                \n<\/div>\n<\/div>\n\n<p>Read Terms and Conditions <a href=\"\/uk\/terms-of-use\">here<\/a><\/p>\n\n<\/div>\n\n<\/div>\n<\/div>\n\n\n\n\n\n\n\n\n\n\n\n\n\n\n<script>\n\n\n\n\nfunction isEmail(email) {\nvar regex = \/^(([^<>()\\[\\]\\\\.,;:\\s@\"]+(\\.[^<>()\\[\\]\\\\.,;:\\s@\"]+)*)|(\".+\"))@((\\[[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}\\.[0-9]{1,3}])|(([a-zA-Z\\-0-9]+\\.)+[a-zA-Z]{2,}))$\/;\nreturn regex.test(email);\n}\n\n\n\n\nlet params = new URLSearchParams(window.location.search);\nlet reviewCheck = params.get('review');\nlet optinCheck = params.get('optin');\nlet sessionData = sessionStorage.getItem( window.location.href.split('?')[0] );\nif (reviewCheck == 1) {\ndocument.getElementById(\"user-review-promo\").style.display = \"block\";\ndocument.body.style.overflow = \"hidden\";\n}\nif (optinCheck == 0) {\ndocument.getElementById(\"optin\").style.display = \"none\";\n}\n\n\n\n\nwindow.addEventListener('load', function () {\nconst user_review_step = params.get('step');\n\n\n\n\ndocument.addEventListener(\"DOMContentLoaded\", function(event) {\nvar currentCookie = {};\ndocument.cookie.replace(\/([^=;]+)=([^;]*)\/gi, function(m,key,value) {currentCookie[key.replace(\/(^s+|s+$)\/g,'')] = value.replace(\/(^s+|s+$)\/g,'');});\n});\n\n\n\n\nlet user_review_rating = 5;\nlet user_review_name = '';\nlet user_review_description = '';\nlet user_review_email = '';\nlet user_review_screen = 0;\nif (reviewCheck == 1 || sessionData == 1) {\n\nconsole.log(\"Showing user review\");\n$(\"#user-review-promo\").css(\"display\", \"block\");\n$(\"body\").css(\"overflow\", \"hidden\");\n$(\"#review-loader\").css(\"display\", \"none\");\n$(\"#user-review-promo-core\").css(\"display\", \"block\");\nconst user_review_url = '\/wp-json\/finder\/v1\/user-reviews\/reviews';\nconst user_review_data_json = (document.getElementById(\"user-ratings\").dataset.summary);\nconst user_review_data = JSON.parse(user_review_data_json);\n\n\n\n\n$(\"#user-review-promo-rating-copy\").html(\"How would you rate \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"?\");\n$(\"#user-review-promo-copy\").html(\"Used \" + window.decodeURIComponent(user_review_data[\"reviewableName\"]) + \"? 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}\nwindow.ga('send', 'event', 'ukfin email signup floater', 'signed up', null, undefined, { nonInteraction: false });\n}\n\n\n<\/script><h2 id=\"section_heading_e769ef17f4\" class=\"section-heading\">\n            How we rated Prosper's investment features\n    <\/h2>\n<table id=\"best\" class=\"luna-table\"><thead class=\"luna-table__header\"><tr><th scope=\"col\">Feature<\/th><th scope=\"col\">Rating<\/th><th scope=\"col\">Details<\/th><\/tr><\/thead><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><td>Prosper is extremely cheap across the board.<\/td><\/tr><tr><th scope=\"row\">Investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><td>A weak point for Prosper, investments are limited.<\/td><\/tr><tr><th scope=\"row\">Safety and security<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Overall, Prosper offers a secure place to invest.<\/td><\/tr><tr><th scope=\"row\">Account types and products<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>There is a selection of account types to choose from.<\/td><\/tr><tr><th scope=\"row\">Ease of use<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>The Prosper app offers an average investing experience.<\/td><\/tr><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><td>Tools and learning resources are somewhat sparse on Prosper.<\/td><\/tr><\/tbody><\/table><h3>Who might Prosper suit?<\/h3><p>If you\u2019re planning on a simple investing approach using funds, and you\u2019re looking for the cheapest way to do this, Prosper is worth checking out. It\u2019s designed for cost-conscious investors who prefer simplicity and substance over style with rock-bottom fees and a straightforward platform. <\/p><p>However, if you want a variety of assets and plenty of bells and whistles, this may not be the one. If you don\u2019t think it\u2019s for you, why not compare share trading platforms to find the right fit to match your style.<\/p><div class=\"eeQuote box u-rounded--lg source-finder type-experience\">\n    <div class=\"eeQuote__gridContainer\">\n        <div class=\"eeQuote__photoContainer\">\n            <div class=\"eeQuote__startQuoteIcon\">\n                <svg xmlns=\"http:\/\/www.w3.org\/2000\/svg\" width=\"40\" height=\"36\" viewbox=\"0 0 32 28\" fill=\"none\">\n  <path d=\"M13.1114 3.54845C12.05 5.01898 11.1447 6.64935 10.3955 8.43956C9.64624 10.2298 9.24041 11.8282 9.17798 13.2348C10.7389 13.8102 11.9563 14.6733 12.8304 15.8242C13.767 16.975 14.2352 18.3816 14.2352 20.044C14.2352 22.0899 13.5484 23.8482 12.1749 25.3187C10.8637 26.7253 9.2092 27.4286 7.21127 27.4286C5.15091 27.4286 3.43394 26.7253 2.06036 25.3187C0.686788 23.9121 0 21.8661 0 19.1808C0 16.3037 0.749223 13.043 2.24767 9.3986C3.74611 5.75424 5.83769 2.62138 8.52241 0L13.1114 3.54845ZM30.8762 3.54845C29.8148 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<div class=\"eeQuote__content\">\n                                    <div class=\"eeQuote__heading\">Hands-on test: I tried out Prosper's investing app<\/div>\n                                <div class=\"eeQuote__quote\">\n                    <p>\"With a simple selection of investments to choose from (around 200 to be exact, 30 of which you can get the fees refunded), the Prosper investing app mirrors this simplicity. It\u2019s a really nice app to use for investing, but it\u2019s quite stripped-back and lean compared to some of the modern super apps packed with features. <\/p><p>However, when it comes to making investments and managing your portfolio, Prosper simply offers what you need, without attempting to siphon off any more of your attention than is necessary \u2013 something that\u2019s pleasantly refreshing.\"<\/p>\n\n                <\/div>\n            <\/div>\n\n                                                <a class=\"eeQuote__authorName\" href=\"https:\/\/www.finder.com\/uk\/author\/georgesweeney\" itemprop=\"url\" target=\"_blank\">\n                        George Sweeney, DipFA\n                                            <\/a>\n                                                    <div class=\"eeQuote__authorTitle\">Deputy editor<\/div>\n                                    <\/div>\n    <\/div>\n<\/div>\n<h2 id=\"section_heading_3ee189b08b\" class=\"section-heading\">\n            Prosper fees\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Fees score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--excellent\">\n<span class=\"score__value\">10<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--excellent\">\nExcellent\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Platform fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">UK shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">US stocks<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">International shares<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Funds\/ETFs<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Foreign exchange (FX) fee<\/th><td>N\/A<\/td><\/tr><tr><th scope=\"row\">Regular investing<\/th><td>No<\/td><\/tr><tr><th scope=\"row\">Withdrawal\/deposit fee<\/th><td>\u00a30<\/td><\/tr><tr><th scope=\"row\">Inactivity fee<\/th><td>\u00a30<\/td><\/tr><\/tbody><\/table><p>The only fees you have to pay when using Prosper are the ongoing fees charged by the fund providers, and you\u2019d have to pay these regardless of what platform you\u2019re using.<\/p><p>One key difference however that sets Prosper apart, is that it will actually refund the external fees for some of the funds and ETFs on the platform. <\/p><h2 id=\"section_heading_3d13b2cb20\" class=\"section-heading\">\n            Prosper investment choice and stocks\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Prosper investment choice<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--standard\">\n<span class=\"score__value\">6.7<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--standard\">\nStandard\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Asset options<\/th><td>3+<\/td><\/tr><tr><th scope=\"row\">Markets<\/th><td>1+<\/td><\/tr><tr><th scope=\"row\">Number of investments<\/th><td>200+<\/td><\/tr><tr><th scope=\"row\">Number of ETFs\/funds<\/th><td>200+<\/td><\/tr><tr><th scope=\"row\">Fractional shares<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Minimum deposit<\/th><td>\u00a31<\/td><\/tr><tr><th scope=\"row\">Minimum investment<\/th><td>\u00a31<\/td><\/tr><\/tbody><\/table><p>This is one area where Prosper is pretty limited, even when compared with other fund-only platforms. Currently, there are around 200 funds to invest in and you can\u2019t invest in other assets like individual shares. <\/p><p>One thing that is pretty cool is that, with Prosper, you can invest in private equity markets and it also offers ready-made portfolios if you\u2019re unsure where to start investing.<\/p><h2 id=\"section_heading_b23ee365de\" class=\"section-heading\">\n            Is Prosper safe and legit?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Safety and security score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Biometric login\/2FA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FCA regulated<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">FSCS protection<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">SSL certificate<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Public company<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Prosper is regulated by the Financial Conduct Authority (FCA) in the UK and accounts come with full <a href=\"https:\/\/www.finder.com\/uk\/what-is-the-fscs\">FSCS<\/a> protection of up to \u00a3120,000 on your deposits should Prosper go bust.<\/p><h2 id=\"section_heading_4fc649d729\" class=\"section-heading\">\n            Prosper account types and products\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Account types and products score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">General investment account (GIA)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Stock and shares ISA<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Self-invested personal pension (SIPP)<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Lifetime ISA (LISA)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Junior ISA (JISA)\/Junior SIPP (JSIPP)<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Business Account<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Interest on cash balances<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Prosper offers a solid range of account options, including a free stocks and shares ISA and self-invested personal pension (SIPP). Although no interest is paid on cash balances, it does offer the ability to use in-app savings accounts.<\/p><h2 id=\"section_heading_f7cc4e0268\" class=\"section-heading\">\n            Is Prosper easy to use?\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Ease of use score<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">8.2<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Apple iOS rating<\/th><td>4.1\/5<\/td><\/tr><tr><th scope=\"row\">Google Play rating<\/th><td>2.2\/5<\/td><\/tr><tr><th scope=\"row\">Ways to contact customer service<\/th><td>Phone and email<\/td><\/tr><tr><th scope=\"row\">UI\/UX<\/th><td>Good<\/td><\/tr><tr><th scope=\"row\">Desktop or mobile app<\/th><td>Mobile<\/td><\/tr><\/tbody><\/table><p>Prosper is dead easy to use, but sometimes to its own detriment. The app is nicely designed, but there\u2019s not much going on other than the basics, and the location of some features are a little bit fiddly to find. <\/p><p>As a fairly new app, there are limited external reviews available from the App Store and Google Play, there\u2019s also a significant discrepancy between the reviews of Apple and Android users.<\/p><h2 id=\"section_heading_f474c097eb\" class=\"section-heading\">\n            Prosper tools, resources and features\n    <\/h2>\n<table class=\"luna-table luna-table--fixedColumns\"><tbody class=\"luna-table__body\"><tr><th scope=\"row\">Tools, resources and features<\/th><td>\n\n\n\n<span class=\"scoreCombined score__container finder-score\" style=\"justify-content: flex-start;\">\n<span class=\"score__badge score__badge--great\">\n<span class=\"score__value\">7.5<\/span>\n<\/span>\n<span class=\"score__text-wrapper score__text score__text--great\">\nGreat\n<\/span>\n<\/span>\n\n<\/td><\/tr><tr><th scope=\"row\">Analysis features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Tools for investing\/trading<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Social features<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Learning resources<\/th><td><svg class=\"luna-icon luna-icon--error\"><use xlink:href=\"#close\"><\/use><\/svg><\/td><\/tr><tr><th scope=\"row\">Additional Features<\/th><td><svg class=\"luna-icon luna-icon--success\"><use xlink:href=\"#check\"><\/use><\/svg><\/td><\/tr><\/tbody><\/table><p>Another limitation of Prosper is that as you\u2019re encouraged to keep things simple with your investing approach, the app is somewhat lacking in terms of tools, resources and features compared to some of the other zero commission investing apps. <\/p><p>This approach works fine, but it would be good to see some more learning resources available in the app or on the website as Prosper would appeal to beginners, but it doesn\u2019t seem to provide much in the way of materials aimed at beginners. <\/p>\n        \n            <h3>What do customers say about Prosper?<\/h3>\n        <p>90% of customers we <a href=\"https:\/\/www.finder.com\/uk\/share-trading\/best-trading-apps#customer-satisfaction\">surveyed<\/a> in 2026 would recommend Prosper to a friend.<\/p>\n        <p>It is generally viewed as an average but reliable platform for investing. Users appreciate the clear, informative statements and find it relatively easy to use, especially for beginners. It is seen as a decent option for those looking to start investing and grow their money.<\/p>\n<p>However, a few users found the interface to not be entirely user-friendly when navigating their accounts.<\/p>\n        <p><svg width=\"18\" height=\"18\" viewbox=\"0 0 14 14\" xmlns=\"http:\/\/www.w3.org\/2000\/svg\" style=\"fill-rule:evenodd;clip-rule:evenodd;stroke-linejoin:round;stroke-miterlimit:2;\">\n<path d=\"M1.635,4.234L3.868,3.151C3.955,3.109 4.025,3.037 4.065,2.948L5.203,0.444C5.35,0.121 5.807,0.117 5.96,0.437L7.119,2.86C7.159,2.946 7.229,3.015 7.314,3.056L9.743,4.224C10.065,4.379 10.056,4.84 9.729,4.983L7.399,5.998C7.307,6.038 7.232,6.111 7.189,6.202L6.066,8.582C5.918,8.895 5.474,8.903 5.317,8.594L4.106,6.226C4.063,6.142 3.994,6.076 3.909,6.037L1.642,4.988C1.323,4.841 1.318,4.388 1.635,4.234Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path><path d=\"M8.386,11.548L9.502,11.006C9.546,10.984 9.581,10.949 9.601,10.904L10.17,9.652C10.243,9.491 10.472,9.489 10.548,9.649L11.128,10.86C11.148,10.903 11.183,10.938 11.225,10.959L12.44,11.543C12.601,11.62 12.597,11.851 12.433,11.922L11.268,12.43C11.222,12.45 11.185,12.486 11.163,12.532L10.601,13.722C10.527,13.879 10.306,13.882 10.227,13.728L9.622,12.544C9.6,12.502 9.566,12.469 9.523,12.449L8.39,11.925C8.23,11.851 8.228,11.625 8.386,11.548Z\" style=\"fill:rgb(29,83,255);fill-rule:nonzero;\"><\/path>\n<\/svg><small><em> AI-generated summary from the text of customer reviews on Finder.<\/em><\/small><\/p>\n                                        \n<style>\n.tablefade { height: 850px; width: 100%; overflow-x: auto; overflow-y: scroll; }\n.tablefade .luna-table { position: relative; border-left: none !important; }\n.tablefade th:first-child, .tablefade td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade .luna-table td { vertical-align: middle; }\n.tablefade tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 10rem; margin-top: -10rem; margin-bottom: 4rem; position: relative; pointer-events: none; }\n.tablefade img { min-width: 96px; min-height: 53px; }\n\n.tablefade-filtered { max-height: 500px; width: 100%; overflow-x: auto; overflow-y: auto; }\n.tablefade-filtered .luna-table { position: relative; border-left: none !important; }\n.tablefade-filtered th:first-child, .tablefade-filtered td:first-child { position: sticky; left: 0; background: #ffffff; border-left: 1px solid #d4d3ce; z-index: 2; }\n.tablefade-filtered .luna-table td { vertical-align: middle; }\n.tablefade-filtered tbody tr:hover td { background-color: #f5f4ef !important; }\n.tablefadeafter-filtered { background: linear-gradient(to bottom, rgba(255, 255, 255, 0) 0%, rgba(255, 255, 255, 1) 100%); width: 100%; height: 3rem; margin-top: -3rem; margin-bottom: 4rem; position: relative; pointer-events: none; z-index: 5; }\n\n.lightbox { display: none; position: fixed; z-index: 9999; left: 0; top: 0; width: 100%; height: 100%; background-color: rgba(0, 0, 0, 0.8); }\n.lightbox img { display: block; max-width: 90%; max-height: 90%; margin: auto; position: absolute; top: 50%; left: 50%; transform: translate(-50%, -50%); }\n<\/style>\n\n                    \n    \n\n<div id=\"lightbox\" class=\"lightbox\" onclick=\"closeLightbox()\">\n  <img decoding=\"async\" id=\"lightbox-img\" src=\"\" alt=\"Expanded Finder Badge\" loading=\"lazy\">\n<\/div>\n\n<script>\n  function openLightbox(event, imageUrl) {\n    event.preventDefault();\n    const lb = document.getElementById('lightbox');\n    const lbImg = document.getElementById('lightbox-img');\n    if(lb && lbImg) {\n        lbImg.src = imageUrl;\n        lb.style.display = \"block\";\n    }\n  }\n  function closeLightbox() {\n    const lb = document.getElementById('lightbox');\n    if(lb) lb.style.display = \"none\";\n  }\n<\/script><h2 id=\"section_heading_af90cef809\" class=\"section-heading\">\n            Frequently asked questions\n    <\/h2>\n<ul class=\"luna-accordionGroup accordionGroup\"><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000000\" data-toggle=\"collapse\" data-target=\"#accordion0000000000\">\n        <span class=\"luna-accordion__title\">Is Prosper.co.uk legit?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000000\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>Yes, Prosper is fully regulated by the FCA and is a member of the Financial Services Compensation Scheme (FSCS).<\/p><\/div>\n  <\/div>\n<\/li><li class=\"luna-accordion\" data-accordion=\"accordion\">\n  <div class=\"luna-accordion__summary\">\n    <h4 class=\"luna-accordion__heading\">\n      <button class=\"luna-accordion__action collapsed\" aria-expanded=\"false\" aria-controls=\"accordion0000000001\" data-toggle=\"collapse\" data-target=\"#accordion0000000001\">\n        <span class=\"luna-accordion__title\">How does Prosper make money?<\/span>\n        <svg class=\"luna-icon\" aria-hidden=\"true\">\n          <use xlink:href=\"#chevron-down\" data-accordion-icon=\"show\"><\/use>\n          <use xlink:href=\"#chevron-up\" data-accordion-icon=\"hide\" class=\"is-hidden\"><\/use>\n        <\/svg>\n      <\/button>\n    <\/h4>\n  <\/div>\n  <div class=\"luna-accordion__details collapse\" aria-hidden=\"true\" id=\"accordion0000000001\" data-accordion=\"details\">\n    <div class=\"accordionContent\"><p>It generates most of its profit by earning interest on cash held in customers\u2019 accounts. Prosper is pretty up front and open about this.<\/p><\/div>\n  <\/div>\n<\/li><\/ul>","protected":false},"excerpt":{"rendered":"<p>Prosper offers commission-free investing with no platform fees. After testing and using the app, we gave our thoughts.<\/p>\n","protected":false},"author":1273,"featured_media":568405,"comment_status":"closed","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_yoast_wpseo_focuskw":"","_yoast_wpseo_title":"Prosper review | UK\u2019s cheapest investing app?","_yoast_wpseo_metadesc":"Prosper offers commission-free investing with no platform fees. Find out what Finder\u2019s investing expert thought when testing and using the app.","_yoast_wpseo_meta-robots-noindex":"","_yoast_wpseo_meta-robots-nofollow":"","_yoast_wpseo_canonical":"","_yoast_wpseo_opengraph-title":"","_yoast_wpseo_opengraph-description":"","_yoast_wpseo_opengraph-image":"","_yoast_wpseo_opengraph-image-id":"","_yoast_wpseo_twitter-title":"","_yoast_wpseo_twitter-description":"","_yoast_wpseo_twitter-image":"","_yoast_wpseo_twitter-image-id":"","apple_news_api_created_at":"","apple_news_api_id":"","apple_news_api_modified_at":"","apple_news_api_revision":"","apple_news_api_share_url":"","apple_news_cover_media_provider":"image","apple_news_coverimage":0,"apple_news_coverimage_caption":"","apple_news_cover_video_id":0,"apple_news_cover_video_url":"","apple_news_cover_embedwebvideo_url":"","apple_news_is_hidden":"","apple_news_is_paid":"","apple_news_is_preview":"","apple_news_is_sponsored":"","apple_news_maturity_rating":"","apple_news_metadata":"\"\"","apple_news_pullquote":"","apple_news_pullquote_position":"","apple_news_slug":"","apple_news_sections":[],"apple_news_suppress_video_url":false,"apple_news_use_image_component":false,"post_is_fact_checked":"false","post_co_author":"-1","post_co_author_date":null,"post_co_author_manual_date_checked":null,"post_reviewer":"-1","post_reviewer_date":"","post_reviewer_manual_date_checked":null,"post_editor":"-1","post_editor_date":null,"post_author_date":"2025-11-14T12:28:20","post_author_manual_date_checked":"false","_last_updated_date_data":"{\"is_updated_date_published\":true,\"last_updated_date\":\"2026-03-26 11:31:30\",\"timezone_offset\":\" +00:00\",\"last_update_summary\":\"We updated the guide with Prosper&#39;s 2026 customer satisfaction score and customer review summary.\"}","_last_major_update":"","_search_priority":0,"feature_finder_bot_teaser_enabled":false,"feature_finder_bot_teaser_message":"","feature_finder_bot_teaser_placeholder":"","feature_finder_bot_teaser_suggestions":"","footnotes":""},"categories":[130087],"tags":[],"asset_tag":[],"class_list":["post-568387","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-share-trading-reviews"],"apple_news_notices":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO Premium plugin v27.6.1 (Yoast SEO v27.6) - https:\/\/yoast.com\/product\/yoast-seo-premium-wordpress\/ -->\n<title>Prosper review | UK\u2019s cheapest investing app?<\/title>\n<meta name=\"description\" content=\"Prosper offers commission-free investing with no platform fees. Find out what Finder\u2019s investing expert thought when testing and using the app.\" \/>\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\n<link rel=\"canonical\" href=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/prosper\" \/>\n<meta property=\"og:locale\" content=\"en_GB\" \/>\n<meta property=\"og:type\" content=\"article\" \/>\n<meta property=\"og:title\" content=\"Prosper investing review 2026\" \/>\n<meta property=\"og:description\" content=\"Prosper offers commission-free investing with no platform fees. Find out what Finder\u2019s investing expert thought when testing and using the app.\" \/>\n<meta property=\"og:url\" content=\"https:\/\/www.finder.com\/uk\/share-trading\/share-trading-reviews\/prosper\" \/>\n<meta property=\"og:site_name\" content=\"Finder UK\" \/>\n<meta property=\"article:publisher\" content=\"https:\/\/www.facebook.com\/findercomuk\" \/>\n<meta property=\"article:published_time\" content=\"2025-11-19T15:53:23+00:00\" \/>\n<meta property=\"og:image\" content=\"https:\/\/cdn.finder.com.au\/finder-us\/wp-uploads\/sites\/3\/2025\/11\/prosper_logo_featured.png\" \/>\n\t<meta property=\"og:image:width\" content=\"250\" \/>\n\t<meta property=\"og:image:height\" content=\"250\" \/>\n\t<meta property=\"og:image:type\" content=\"image\/png\" \/>\n<meta name=\"author\" content=\"George Sweeney, DipFA\" \/>\n<meta name=\"twitter:card\" content=\"summary_large_image\" \/>\n<meta name=\"twitter:creator\" content=\"@https:\/\/twitter.com\/GeorgeSWrites\" \/>\n<meta name=\"twitter:site\" content=\"@findercomUK\" \/>\n<meta name=\"twitter:label1\" content=\"Written by\" \/>\n\t<meta name=\"twitter:data1\" content=\"George Sweeney, DipFA\" \/>\n\t<meta name=\"twitter:label2\" content=\"Est. reading time\" \/>\n\t<meta name=\"twitter:data2\" content=\"6 minutes\" \/>\n<script type=\"application\/ld+json\" class=\"yoast-schema-graph\">{\"@context\":\"https:\\\/\\\/schema.org\",\"@graph\":[{\"@type\":\"Article\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper#article\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper\"},\"author\":{\"name\":\"George Sweeney, DipFA\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/86a172cdec1fb3d49abd125556776f35\"},\"headline\":\"Prosper investing review 2026\",\"datePublished\":\"2025-11-19T15:53:23+00:00\",\"dateModified\":\"2026-03-26T11:31:30+00:00\",\"mainEntityOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper\"},\"wordCount\":1148,\"publisher\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#organization\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/11\\\/prosper_logo_featured.png\",\"articleSection\":[\"Share trading reviews\"],\"inLanguage\":{\"@type\":\"Language\",\"name\":\"English\",\"alternateName\":\"en\"},\"copyrightYear\":\"2025\",\"copyrightHolder\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/#organization\"},\"contributor\":[{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#\\\/schema\\\/person\\\/86a172cdec1fb3d49abd125556776f35\"}],\"commentCount\":0},{\"@type\":\"WebPage\",\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper\",\"url\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper\",\"name\":\"Prosper review | UK\u2019s cheapest investing app?\",\"isPartOf\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/#website\"},\"primaryImageOfPage\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper#primaryimage\"},\"image\":{\"@id\":\"https:\\\/\\\/www.finder.com\\\/uk\\\/share-trading\\\/share-trading-reviews\\\/prosper#primaryimage\"},\"thumbnailUrl\":\"https:\\\/\\\/cdn.finder.com.au\\\/finder-us\\\/wp-uploads\\\/sites\\\/3\\\/2025\\\/11\\\/prosper_logo_featured.png\",\"datePublished\":\"2025-11-19T15:53:23+00:00\",\"dateModified\":\"2026-03-26T11:31:30+00:00\",\"description\":\"Prosper offers commission-free investing with no platform fees. 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