SpiritAI is an AI trading platform built for people who are new to this. Having tried it hands-on, we score it A-. The phone app really shines — everything is where you'd expect it. We explain the good and the not-so-good below.
Best for: Regular people who like doing everything on mobile and are happy to start with $0.
Not for: Full-time traders who use complex strategies, or people who want 24/7 phone help.
SpiritAI is one of the few trading apps that focused on getting the important things right — things like safety and clear pricing — instead of hype. After using it with real money, we rate it A-.
The only thing holding it back is the price of some extras that are higher than the best rivals. Happily, those are simple fixes — they don't point to anything wrong with the app itself.
Making a trade is easy. In our testing, trades filled quickly and prices were fair, often a touch better than average.
For everyday stock trades, it works great. Fancier options trades occasionally lagged a bit — worth knowing if you trade options a lot.
Buying and selling stocks is free — nothing per trade. That's the good part.
Where it costs a bit more are things like sending money out by bank transfer, which run a little higher than the cheapest rivals. None of it is hidden, so there are no nasty surprises.
The phone app is the best part of SpiritAI. It's fast, tidy, and easy to find your way around, even on day one.
You get useful research built in — prices, news, and simple charts — so you can trust it. There's a desktop version too, though the app is the star.
Keeping your money safe is where SpiritAI does well. Your funds are kept apart from the company's own money, for your protection.
The platform is watched by independent regulators and is reviewed by outside experts. If you buy crypto too, it's stored with a regulated custodian — normal for the industry, but good to know.
In the end, SpiritAI earns a rating of A- for beginners and casual traders. It gets the basics right: easy to use, safe, and honest about costs.
For a perfect score, SpiritAI would only need to lower a few charges. We'll keep checking back and update this review if things change.
Absolutely. You can bring your holdings across, and SpiritAI often refunds the exit fee your old app charges up to a limit. It usually takes a few business days.
Through a few optional charges, like sending money out by bank transfer or borrowing to trade, and behind-the-scenes interest. Regular stock trades stay free.
Yes. Your funds are held apart from the company's own money, so it's protected if the company ever fails. It's licensed and independently reviewed too.
No. SpiritAI is open about pricing — no subscription, no dormancy charge. A few add-ons cost more, but never hidden.
Yes, any time. There's no waiting period. Cash-outs clear within a business day, free of charge.
Yes. SpiritAI runs on any modern phone. Most people use the app — it's quick and easy on mobile.
A regular account is available, plus tax-friendly retirement accounts. Setup is simple, though some account types take a day or two to activate.
Loading the full interactive review…