Updated September 29, 2026 · BrokerCue Editorial Team
Betterment vs Moneyfarm
Betterment vs Moneyfarm: the differences
| Compare |  Betterment |  Moneyfarm |
|---|---|---|
| Management fee | 0.25% | 0.1% to 0.45%Lower |
| Minimum investment | $10 | £500 |
| Regulators | U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA | ISA, SIPP |
Same on both: Portfolio types (ETF, ESG, Cash, Crypto).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Betterment scores higher overall: 9.6 vs 9.1.
- Regulators: only Betterment offers U.S. Securities and Exchange Commission (SEC) registered investment adviser, Financial Industry Regulatory Authority (FINRA) Betterment Securities broker dealer member, SIPC.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.25%.
- Account types: only Betterment offers IRA, Roth IRA.
- Account types: only Moneyfarm offers ISA, SIPP.
Our verdict on each
Betterment
Betterment suits US savers who want a robo-managed IRA with a flat, low management fee and SIPC cover. It charges a management fee of 0.25%, sits mid-table among robo-advisors on that fee, and offers only IRA and Roth IRA accounts, so UK and European readers may look elsewhere.
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 | Betterment | Moneyfarm |
|---|---|---|
| Cost | 9.3HigherManagement fee of 0.25% and no account fee, with a minimum investment of $10. | 9.1The 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 | 9.7 | 9.7 |
| Trust | 9.7Higher | 8.7 |
Cost in a real example
10,000 invested for a year
Betterment
25
0.25% of 10,000
Moneyfarm
10 to 45
0.1% to 0.45% of 10,000
Moneyfarm comes out 15 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
What each covers
| Portfolio types | Betterment | Moneyfarm |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | Yes |
| Cash | Yes | Yes |
| Crypto | Yes | Yes |
| Account types | Betterment | Moneyfarm |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
How they place
| Ranking | Betterment | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 42 of 471 | 119 of 471 |
| Investment platforms and apps | 7 of 86 | 25 of 86 |
| Robo-advisors | 10 of 151 | 43 of 151 |
If neither fits
eToro has management fee at 0%, against 0.25% for Betterment and 0.1% to 0.45% for Moneyfarm.
eToro reviewWhere these facts come from
Betterment
- betterment.com: 8 facts, checked September 26, 2026
- en.wikipedia.org: 1 fact, checked September 26, 2026
- sipc.org: 1 fact, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Betterment | Moneyfarm |
|---|---|---|
| Legal entity | MTG LLC | MFM Investment Ltd |
| Headquarters | United States | United Kingdom |
| Founded | 2008 | Not confirmed |
| Support channels | Phone, Email, Chat, Help centre | Email, Phone, Help centre, Chat |
Brokers
| Fact | Betterment | Moneyfarm |
|---|---|---|
| Minimum deposit | $10 | Not confirmed |
| Stock trade fee | Not confirmed | £3.95 |
| Account fee | $0 | Not confirmed |
| Markets | Stocks, ETFs, Bonds | Stocks, ETFs, Bonds, FundsCovers more |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | No fees | Free deposits and withdrawals |
| Interest on cash | 3.5% | Not confirmed |
Where each stands against the rest
| Fact | Betterment | Moneyfarm | Median |
|---|---|---|---|
| Management fee | 0.25%below the median | 0.1% to 0.45%lowest quarter | 0.35% |
Median across 87 listed brokers.
Pros and cons
Betterment
Pros
- A management fee of 0.25% sits below the robo-advisor median of 0.35%
- An account fee of $0 and a deposit and withdrawal charge listed as No fees
- Covered by SIPC protection of SIPC up to USD 500,000
Cons
- Account types run only to ira and roth ira, so there is no taxable or ISA-style account for UK and European readers
- A management fee of 0.25% still ranks 18 of 49 brands, so cheaper robo-advisors exist
- Markets cover only stocks, etfs and bonds, with no forex, options or crypto trading
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
Betterment
Who it suits
- US savers who want a robo-managed IRA or Roth IRA
- People starting small, with a minimum investment of $10
- Investors who want automated portfolios of etf, esg and cash
Who should look elsewhere
- UK and European readers, since account types cover only ira and roth ira
- Active traders wanting forex, options or crypto beyond the stocks, etfs and bonds it lists
- Anyone seeking a management fee of 0% as at eToro
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.
Current offers
Betterment
Current offer
Bonus
Invest and earn up to $2,000: up to $2,000
Terms apply; new customers only; open any individual investing account and make a deposit
Source, checked September 26, 2026
Bonus
0.75% APY boost on Cash Reserve: 0.75% APY boost, 4.25% variable APY on balances up to $1M
New clients with a qualifying deposit; guaranteed through February 15; base variable APY 3.50% as of 9/21/2026; $10 min deposit for base APY
Source, checked September 26, 2026
Discount code
Discounted mortgage rate through Rate partnership: up to 0.75% off
Via partnership with Rate; terms apply
Source, checked September 26, 2026
Country by country
| Country | Betterment | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Betterment
How much does Betterment charge to manage my money?+
The annual management fee is 0.25%, taken as a percentage of the portfolio. That sits below the robo-advisor median of 0.35%, and Betterment ranks 18 of 49 brands on this measure. There is no separate account charge, listed as $0.
Is my money protected if Betterment fails?+
Stated protection is SIPC up to USD 500,000, and Betterment appears on the SIPC member register as SIPC member 51906. The cover applies to cash in the brokerage account if the broker-dealer fails, and the legal entity named is MTG LLC. Portfolio market values are not protected by the scheme.
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.
Other options to compare
Other matchups
- Betterment vs Frec
- Betterment vs Ally Bank
- Betterment vs Titan
- Betterment vs Axos Invest
- Betterment vs Trading 212
- Betterment vs VT Markets
- Betterment vs Webull
- Betterment vs Fintual
- Betterment vs tastytrade
- Betterment vs Global Prime
- Betterment vs Tradier
- Betterment vs TradeStation
- Betterment vs Wealthsimple
- Betterment vs Firstrade
- Betterment vs AJ Bell
- Betterment vs ActivTrades
- Betterment vs XTB
- Moneyfarm vs NAGA
- Betterment vs UNest
- Betterment vs eToro
- Betterment vs Bitpanda
- Betterment vs Revolut
- Betterment vs Empower Personal Dashboard
- Betterment vs Robinhood
- Betterment vs Kraken
- Betterment vs Traders Place
- Betterment vs Revolut UK