Updated October 13, 2026 · BrokerCue Editorial Team
Bestinvest vs Moneyfarm
Facts checked September 26, 2026.
What sets them apart
| Compare |  Bestinvest |  Moneyfarm |
|---|---|---|
| Stock trade fee | £4.95 | £3.95Lower |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Currency conversion fee | 0.95% | 0.7%Lower |
| Account types | ISA, SIPP, JisaCovers more | ISA, SIPP |
| Regulators | Not confirmed | Financial Conduct Authority |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Platforms | Mobile app | Not confirmed |
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Key differences
- Stock trade fee is lower at Moneyfarm: £3.95 vs £4.95.
- Currency conversion fee is lower at Moneyfarm: 0.7% vs 0.95%.
- Markets: only Moneyfarm offers Bonds.
- Account types: only Bestinvest offers Jisa.
- Support channels: only Moneyfarm offers Email, Chat.
Our verdict on each
Bestinvest
Bestinvest is an online investment platform known for pairing wide investment choice with expert coaching and planning tools. It suits newcomers and steady investors who want ISAs, pensions and junior accounts with clear guidance while they shape long term goals.
Moneyfarm
Moneyfarm suits UK savers who want an ISA or SIPP built and run for them, and who are content paying a percentage fee rather than trading directly. The management fee of 0.1% to 0.45% is the figure to weigh, and it sits above the median for robo-advisors.
Score breakdown
| Area | Bestinvest | Moneyfarm |
|---|---|---|
| Cost | 8.2 | 9.1HigherThe management fee of 0.1% to 0.45% runs above the robo-advisor median, and a stock trade fee of £3.95 adds on top. |
| Offer | 8.9 | 9.7Higher |
| Trust | 9.7Higher | 8.7 |
Which one suits you
Pick Bestinvest if account types matter most.
Pick Moneyfarm if cost, offer, stock trade fee, markets, and currency conversion fee matter most.
Side by side, item by item
| Markets | Bestinvest | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | Yes | Yes |
| Account types | Bestinvest | Moneyfarm |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Jisa | Yes | No |
How they place
| Ranking | Bestinvest | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 254 of 491 | 119 of 491 |
| Investment platforms and apps | 53 of 86 | 25 of 86 |
| Robo-advisors | 101 of 154 | 43 of 154 |
| Stocks and shares ISA providers | 15 of 21 | 4 of 21 |
| SIPP providers | 14 of 22 | 4 of 22 |
| Junior ISA providers | 11 of 14 | 3 of 14 |
Every fact side by side
| Fact | Bestinvest | Moneyfarm |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | Evelyn Partners Investment Management Services Limited | MFM Investment Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1986 | Not confirmed |
| Support channels | Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Robo-advisors
| Fact | Bestinvest | Moneyfarm |
|---|---|---|
| Management fee | 0% to 0.4%Lower | 0.1% to 0.45% |
| Minimum investment | £50Lower | £500 |
| Portfolio types | ETF, ESG, Cash | ETF, ESG, Cash, CryptoCovers more |
Where each stands against the rest
| Fact | Bestinvest | Moneyfarm | Median |
|---|---|---|---|
| Stock trade fee | £4.95highest quarter | £3.95highest quarter | £0 |
| Currency conversion fee | 0.95%highest quarter | 0.7%highest quarter | 0.45% |
Median across 34 listed brokers.
Pros and cons
Bestinvest
Pros
- Operates with over 40 years of experience dating back to 1986.
- Offers expert coaching and smart planning tools alongside investment choice.
- Covers more than 3,000 shares and funds plus ETFs and investment trusts.
Cons
- Management of investments happens online and through the mobile app.
- Ready-made Portfolios are built and managed by the parent company teams.
Moneyfarm
Pros
- Regulated in the UK by the Financial Conduct Authority, with licence 629539 to check on the register.
- Deposits and withdrawals carry no charge, so money can move in and out without a transaction fee eating the saving.
- Portfolio styles run to etf, esg and cash, letting a saver tilt towards ESG, cash or crypto alongside a diversified core.
Cons
- The management fee of 0.1% to 0.45% sits above the robo-advisor median of 0.35%.
- The £500 entry point is well above the robo-advisor median of €60.06, and above Axos Invest at $100.
- Costs stack up: a stock trade fee of £3.95 applies alongside the management fee, while eToro lists a management fee of 0%.
Who each suits
Bestinvest
Who it suits
- New investors wanting coaching with investment choice
- Parents arranging junior ISAs and pensions for children
- Planners using ISAs and SIPPs for long term goals
Who should look elsewhere
- Traders seeking face to face branch service
- Investors wanting fully independent portfolio management
Moneyfarm
Who it suits
- UK savers who want an ISA or SIPP run for them and would rather pay a percentage than place their own trades.
- People who want help by phone, chat and email as well as online, since support runs on email, phone and help centre.
- Investors who want their portfolio style to include ESG, cash or crypto, since the options run to etf, esg and cash.
Who should look elsewhere
- Small opening payments: Axos Invest starts at $100, a lighter entry than £500.
- Anyone who prefers running their own trades: eToro lists a management fee of 0%, so the cost sits elsewhere.
- Savers shopping fee bands: Vivid Standard charges 0.5% to 1.5%, higher than the band here.
Country by country
| Country | Bestinvest | Moneyfarm |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Bestinvest
Which accounts does Bestinvest provide?+
Bestinvest provides ISAs, Self-invested Personal Pensions, a general investment account without annual limits, and junior versions for children. You can hold Ready-made Portfolios inside these accounts or select your own investments. The range supports goals from daily investing to retirement and childhood saving.
Who runs Bestinvest and its Ready-made Portfolios?+
Bestinvest has helped investors make the most of their money since 1986, building over 40 years of experience. Its Ready-made Portfolios are built and managed by expert teams at its parent company Evelyn Partners. That relationship gives hands off investors professional portfolio management within the platform.
Moneyfarm
What does Moneyfarm charge to run my money?+
The ongoing cost is a management fee of 0.1% to 0.45% on the value of the portfolio, taken as a percentage of what you hold rather than as a price per trade. Accounts open at £500, so the fee applies to whatever sits above that floor.
Is there a fee for buying or selling?+
A stock trade fee of £3.95 is listed for anyone who places a trade, and it sits alongside the management fee. Because the portfolio is run for you, the management fee is the line that does most of the work in practice.