Updated September 29, 2026 · BrokerCue Editorial Team
eToro vs Moneyfarm
Where eToro and Moneyfarm differ
| Compare |  eToro |  Moneyfarm |
|---|---|---|
| Stock trade fee | $0 | £3.95 |
| Markets | Stocks, ETFs, Forex, CFDs, Crypto, Futures | Stocks, ETFs, Bonds, Funds |
| Regulators | Cyprus Securities and Exchange Commission (CySEC), SIPC | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | ISA | ISA, SIPPCovers more |
| Account fee | $0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
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Key differences
- eToro scores higher overall: 9.2 vs 9.1.
- Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- eToro is licensed in 1 more country.
- Markets: only eToro offers Forex, CFDs, Crypto.
- Markets: only Moneyfarm offers Bonds, Funds.
- Account types: only Moneyfarm offers SIPP.
- Support channels: only Moneyfarm offers Email, Phone, Chat.
Our verdict on each
eToro
eToro suits readers who want to hold shares, ETFs, crypto, forex and CFDs in one app without paying commission on trades. Costs look light on the standard account, with a stock trade fee of $0 and account fee of $0, though the account fee applies to the virtual portfolio rather than every standard account.
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 | eToro | Moneyfarm |
|---|---|---|
| Cost | 9.3HigherCommission-free pricing with a stock trade fee of $0 and account fee of $0, but currency conversion on non-USD balances sits outside that headline. | 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 | 8.8 | 9.7Higher |
| Trust | 9.3Higher | 8.7 |
Where each is licensed and available
| Country | eToro | Moneyfarm |
|---|---|---|
| Cyprus | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 213800GIFQMSV7HROS23 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
| United States | SIPC SIPC member 70212 | Not confirmed |
Choosing between them
Pick eToro if trust matter most.
Pick Moneyfarm if offer and account types matter most.
How they place
| Ranking | eToro | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 6 of 471 | 119 of 471 |
| Robo-advisors | 2 of 151 | 43 of 151 |
Every fact side by side
| Fact | eToro | Moneyfarm |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Copy trading, Mobile app | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | eToro (Europe) Ltd | MFM Investment Ltd |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2007 | Not confirmed |
| Support channels | Help centre | Email, Phone, Help centre, ChatCovers more |
Robo-advisors
| Fact | eToro | Moneyfarm |
|---|---|---|
| Management fee | 0%Lower | 0.1% to 0.45% |
| Minimum investment | $500 | £500 |
| Portfolio types | ETF, ESG, Cash, Crypto | ETF, ESG, Cash, Crypto |
Where each stands against the rest
| Fact | eToro | Moneyfarm | Median |
|---|---|---|---|
| Account fee | $0at the median | Not confirmed | $0 |
| Currency conversion fee | Not confirmed | 0.7%highest quarter | 0.45% |
Median across 52 listed brokers.
Pros and cons
eToro
Pros
- No commission on share dealing: stock trade fees are $0
- No account fee on the standard dealing account: $0
- Regulated in Cyprus by the Cyprus Securities and Exchange Commission, and a SIPC member in the US
Cons
- A separate management fee of 0% applies to the managed portfolio service, so headline dealing costs are not the whole bill
- Support runs on help centre only, so there is no stated phone or live chat route for account problems
- The same commission-free model at XTB comes with a stated stock trade fee of €0, so commission alone does not separate the two
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
eToro
Who it suits
- Beginners who want commission-free share dealing plus fractional shares
- Readers who want stocks, ETFs, crypto, forex and CFDs in one place
- Anyone saving in a currency other than US dollars who wants to watch the cost of conversion
Who should look elsewhere
- Readers who want a stated phone or live chat support channel, since support runs on help centre
- Day traders who judge a broker on spreads alone, as no spread figure is listed
- Anyone wanting managed portfolios at no cost, since the management fee is 0%
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 | eToro | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
eToro
What does it cost to buy shares with eToro?+
The stock trade fee is $0, and the account fee is $0. Both sit at the low end of the market, and eToro is ranked at 1 on trade fees and 1 on account fees among the brands compared here. Currency conversion can still apply if your balance is not in the account currency.
Is there an account fee on the standard eToro account?+
The account fee is $0 for the standard dealing account, which is why eToro places at 1 out of 138 brands on that measure. The managed portfolio service is charged differently, at a management fee of 0%, so treat the dealing and portfolio costs as two separate lines.
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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