Updated September 29, 2026 · BrokerCue Editorial Team
Bitpanda vs Moneyfarm
Where Bitpanda and Moneyfarm differ
| Compare |  Bitpanda |  Moneyfarm |
|---|---|---|
| Stock trade fee | €1 | £3.95 |
| Markets | Stocks, ETFs, Crypto, Metals | Stocks, ETFs, Bonds, Funds |
| Regulators | FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA), Federal Financial Supervisory Authority (BaFin), Malta Financial Services Authority (MFSA), AT FMA | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Free deposits | Free deposits and withdrawals |
| Minimum deposit | €1 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Account types | Not confirmed | ISA, SIPP |
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Key differences
- Bitpanda scores higher overall: 9.3 vs 9.1.
- Regulators: only Bitpanda offers FMA (Austria), BaFin (Germany), Austrian Financial Market Authority (FMA).
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Bitpanda is licensed in 2 more countries.
- Markets: only Bitpanda offers Crypto, Metals.
- Markets: only Moneyfarm offers Bonds, Funds.
- Support channels: only Moneyfarm offers Email, Phone, Chat.
Our verdict on each
Bitpanda
Bitpanda suits retail investors in Europe who want one app for shares, ETFs, crypto and metals, starting from a minimum deposit of €1. Regulated in Austria, Germany and Malta, it charges €1 for a stock trade, a per-trade cost active traders will notice.
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 | Bitpanda | Moneyfarm |
|---|---|---|
| Cost | 8.9A minimum deposit of €1 and stock trade fees of €1, with free deposits, sit well against the site medians. | 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 | 8.7 | 9.7Higher |
| Trust | 10.0Higher | 8.7 |
Where they rank in our lists
| Ranking | Bitpanda | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 11 of 471 | 119 of 471 |
Side by side, item by item
| Markets | Bitpanda | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Bonds | No | Yes |
| Funds | No | Yes |
| Metals | Yes | No |
Availability and regulation
| Country | Bitpanda | Moneyfarm |
|---|---|---|
| Austria | Austrian Financial Market Authority (FMA) MiCA CASP 5493007WZ7IFULIL8G21 AT_FMA PSD_EMI AT_FMA_54966 | Not confirmed |
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 9845005X9B7N610K0093 | Not confirmed |
| Malta | Malta Financial Services Authority (MFSA) MiCA CASP 984500DEID7B03J77118 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
Sources behind this comparison
Bitpanda
- bitpanda.com: 8 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Bitpanda | Moneyfarm |
|---|---|---|
| Features | Crypto, Fractional shares, Mobile app, Demo account | Not confirmed |
| Legal entity | Bitpanda GmbH | MFM Investment Ltd |
| Headquarters | Austria | United Kingdom |
| Support channels | Help centre | Email, Phone, Help centre, ChatCovers more |
Where each stands against the rest
| Fact | Bitpanda | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | €1at the median | Not confirmed | €1 |
| Currency conversion fee | Not confirmed | 0.7%highest quarter | 0.45% |
Median across 44 listed brokers.
Pros and cons
Bitpanda
Pros
- The minimum deposit is €1, low against the site median of €4.64
- A stock trade costs €1 and deposits are free
- Regulated by the FMA, BaFin and the MFSA, with investor protection stated as EU ICS up to EUR 20,000
Cons
- Stock trade fees of €1 are higher than a commission-free model, where eToro charges $0
- Support runs on help centre only
- A flat stock trade fee of €1 does not suit frequent small trades
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
Bitpanda
Who it suits
- Beginners building a first portfolio in euro amounts
- Investors who want shares and crypto in one app
- Retail investors who value a low deposit of €1
Who should look elsewhere
- Active traders, since eToro charges $0 on a stock trade
- Anyone wanting phone or live chat help, as support runs on help centre
- Anyone wanting to start without funding, since CFI asks for a minimum deposit of $0 against €1 here
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 | Bitpanda | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Bitpanda
What is the minimum deposit at Bitpanda?+
The minimum deposit is €1, below the site median of €4.64, and Bitpanda ranks at 75 of 213 brands on that measure. Money can also be added at no charge, since deposits are free.
How much does it cost to trade shares?+
A stock trade costs €1. That sits above a commission-free model, where eToro charges $0, and Bitpanda ranks at 116 of 161 brands on stock trade fees, so the cost per order is the figure to weigh.
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.
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