Updated September 28, 2026 · BrokerCue Editorial Team
Finhabits vs InvestEngine
Finhabits vs InvestEngine: the differences
| Compare |  Finhabits |  InvestEngine |
|---|---|---|
| Management fee | 1% | 0.25%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Financial Conduct Authority (FCA) |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA | ISA, SIPP, Corporate |
| Minimum investment | Not confirmed | £1 |
Same on both: Portfolio types (ETF).
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Key differences
- InvestEngine scores higher overall: 8.7 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Management fee is lower at InvestEngine: 0.25% vs 1%.
- Account types: only Finhabits offers IRA, Roth IRA.
- Account types: only InvestEngine offers ISA, SIPP, Corporate.
- Support channels: only Finhabits offers Phone.
Our verdict on each
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
Score breakdown
| Area | Finhabits | InvestEngine |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 9.0Higher |
| Offer | 8.9Higher | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. |
| Trust | 8.7Higher | 8.4 |
Where each is licensed and available
| Country | Finhabits | InvestEngine |
|---|---|---|
| United Kingdom | Not confirmed | |
| United States | Not confirmed |
Additional countries for Finhabits: 1. Additional countries for InvestEngine: 1.
How they place
| Ranking | Finhabits | InvestEngine |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 195 of 471 |
| Investment platforms and apps | 48 of 86 | 42 of 86 |
| Brokers for beginners | 62 of 88 | 57 of 88 |
| Robo-advisors | 93 of 151 | 84 of 151 |
Every fact side by side
| Fact | Finhabits | InvestEngine |
|---|---|---|
| Legal entity | Finhabits, Inc. | InvestEngine (UK) Limited |
| Headquarters | United States | United Kingdom |
| Founded | Not confirmed | 2019 |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Brokers
| Fact | Finhabits | InvestEngine |
|---|---|---|
| Minimum deposit | $0 | £100 |
| Stock trade fee | Not confirmed | £0 |
| Account fee | $120 | £0 |
| Markets | Stocks, ETFsCovers more | ETFs |
| Features | Mobile app | Fractional shares, Mobile appCovers more |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Deposit and withdrawal fees | Not confirmed | Free |
| Platforms | Not confirmed | Web, iOS, Android |
| Interest on cash | Not confirmed | 0% |
Where each stands against the rest
| Fact | Finhabits | InvestEngine | Median |
|---|---|---|---|
| Management fee | 1%highest quarter | 0.25%below the median | 0.345% |
| Minimum investment | Not confirmed | £1below the median | £50 |
Median across 86 listed brokers.
Pros and cons
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
Who each suits
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
Country by country
| Country | Finhabits | InvestEngine |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
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