Updated September 28, 2026 · BrokerCue Editorial Team
Finax vs Moneyfarm
Finax vs Moneyfarm: the differences
| Compare |  Finax |  Moneyfarm |
|---|---|---|
| Management fee | 0.65% to 1% | 0.1% to 0.45%Lower |
| Minimum investment | €10 | £500 |
| Regulators | National Bank of Slovakia | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Portfolio types | ETF | ETF, ESG, Cash, CryptoCovers more |
| Account types | Not confirmed | ISA, SIPP |
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
- Moneyfarm scores higher overall: 9.1 vs 8.6.
- Regulators: only Finax offers National Bank of Slovakia.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.65% to 1%.
- Portfolio types: only Moneyfarm offers ESG, Cash, Crypto.
- Support channels: only Moneyfarm offers Chat.
Our verdict on each
Finax
Finax suits beginners in Slovakia who want a robo-advisor with a low entry point, since the minimum investment is €10. The cost trade-off is the management fee of 0.65% to 1%, above the robo-advisor median of 0.35%, so the fee matters most over a long holding period.
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 | Finax | Moneyfarm |
|---|---|---|
| Cost | 8.8Management fee of 0.65% to 1% sits above the robo-advisor median of 0.35%, against a low €10 entry. | 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 | 8.6 | 9.7Higher |
| Trust | 8.4 | 8.7Higher |
Side by side, item by item
| Portfolio types | Finax | Moneyfarm |
|---|---|---|
| ETF | Yes | Yes |
| ESG | No | Yes |
| Cash | No | Yes |
| Crypto | No | Yes |
Cost in a real example
10,000 invested for a year
Finax
65 to 100
0.65% to 1% of 10,000
Moneyfarm
10 to 45
0.1% to 0.45% of 10,000
Moneyfarm comes out 55 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.
Positions in our rankings
| Ranking | Finax | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 205 of 471 | 119 of 471 |
| Robo-advisors | 91 of 151 | 43 of 151 |
Sources behind this comparison
Finax
- finax.eu: 9 facts, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Every fact side by side
| Fact | Finax | Moneyfarm |
|---|---|---|
| Legal entity | Finax, o.c.p. a.s. | MFM Investment Ltd |
| Headquarters | Slovakia | United Kingdom |
| Founded | 2018 | Not confirmed |
| Support channels | Phone, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Brokers
| Fact | Finax | Moneyfarm |
|---|---|---|
| Minimum deposit | €10 | Not confirmed |
| Stock trade fee | Not confirmed | £3.95 |
| Markets | ETFs, Stocks, Bonds | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Mobile app | Not confirmed |
| Pricing model | Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | No deposit fee | Free deposits and withdrawals |
Where each stands against the rest
| Fact | Finax | Moneyfarm | Median |
|---|---|---|---|
| Management fee | 0.65% to 1%highest quarter | 0.1% to 0.45%lowest quarter | 0.35 |
Median across 87 listed brokers.
Pros and cons
Finax
Pros
- The minimum deposit is €10 and the minimum investment is €10, which keeps the starting point small.
- No fee applies to depositing, and support runs through phone, email and help centre.
- The mobile app comes with etf portfolios drawn from etfs, stocks and bonds.
Cons
- The management fee of 0.65% to 1% runs above the robo-advisor median of 0.35%.
- Investor protection is EU ICS up to EUR 20,000, so larger balances sit above the covered cap.
- The investable list is etfs, stocks and bonds, with no wider menu of funds, crypto or metals.
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
Finax
Who it suits
- Beginners in Slovakia building a first portfolio, with a €10 minimum investment.
- EU investors who want supervised custody and EU ICS up to EUR 20,000 of protection.
- Members who like phone contact, since support covers phone, email and help centre.
Who should look elsewhere
- Day traders, since the account holds etfs, stocks and bonds and etf portfolios rather than a trading screen.
- Anyone comparing a business account, such as Vivid Standard at 0.5% to 1.5%.
- Traders who want a platform showing 0% in management fees, such as 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
Finax
Current offer
Bonus
Discount for transferring your investment: 50% of the transferred amount managed free of charge
Applies to transferred investments over 1,000 EUR; account statement proving the termination and amount must be provided within 30 days; discount valid 2 years or until first withdrawal.
Source, checked September 26, 2026
Country by country
| Country | Finax | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Finax
What does Finax cost to run?+
Finax charges a management fee of 0.65% to 1%, which sits above the robo-advisor median of 0.35%. The minimum deposit is €10 and depositing carries no fee, so the ongoing charge is the figure to weigh.
How much do I need to start investing?+
The minimum investment is €10 and the minimum deposit is €10. That entry sits below the robo-advisor median of €60.06, so modest sums can still build a portfolio.
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
- Finax vs growney
- Finax vs bevestor
- Finax vs quirion
- Finax vs ModernAdvisor
- Finax vs Acorns Checking
- Finax vs Ellevest
- Moneyfarm vs Dodl
- Moneyfarm vs Scalable Capital
- Moneyfarm vs Trading 212
- Moneyfarm vs InvestEngine
- Moneyfarm vs ActivTrades
- Moneyfarm vs XTB
- Moneyfarm vs NAGA
- Moneyfarm vs eToro
- Moneyfarm vs Bitpanda
- Moneyfarm vs Empower Personal Dashboard
- Moneyfarm vs Revolut UK