Updated September 28, 2026 · BrokerCue Editorial Team
Finhabits vs Moneyfarm
Finhabits vs Moneyfarm: the differences
| Compare |  Finhabits |  Moneyfarm |
|---|---|---|
| Management fee | 1% | 0.1% to 0.45%Lower |
| Regulators | U.S. Securities and Exchange Commission (SEC) | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA | ISA, SIPP |
| Portfolio types | ETF | ETF, ESG, Cash, CryptoCovers more |
| Minimum investment | Not confirmed | £500 |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.5.
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 1%.
- Account types: only Finhabits offers IRA, Roth IRA.
- Account types: only Moneyfarm offers ISA, SIPP.
- Portfolio types: only Moneyfarm offers ESG, Cash, Crypto.
- Support channels: only Moneyfarm offers Chat.
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.
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 | Finhabits | Moneyfarm |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | 9.1HigherThe 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 | 8.9 | 9.7Higher |
| Trust | 8.7 | 8.7 |
Feature by feature
| Portfolio types | Finhabits | Moneyfarm |
|---|---|---|
| ETF | Yes | Yes |
| ESG | No | Yes |
| Cash | No | Yes |
| Crypto | No | Yes |
| Account types | Finhabits | Moneyfarm |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
A third option
eToro has management fee at 0%, against 1% for Finhabits and 0.1% to 0.45% for Moneyfarm.
eToro reviewHow they place
| Ranking | Finhabits | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 119 of 471 |
| Investment platforms and apps | 48 of 86 | 25 of 86 |
| Robo-advisors | 93 of 151 | 43 of 151 |
Every fact side by side
| Fact | Finhabits | Moneyfarm |
|---|---|---|
| Legal entity | Finhabits, Inc. | MFM Investment Ltd |
| Headquarters | United States | United Kingdom |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Brokers
| Fact | Finhabits | Moneyfarm |
|---|---|---|
| Minimum deposit | $0 | Not confirmed |
| Stock trade fee | Not confirmed | £3.95 |
| Account fee | $120 | Not confirmed |
| Markets | Stocks, ETFs | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Mobile app | Not confirmed |
| Audience | Beginners | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
Where each stands against the rest
| Fact | Finhabits | Moneyfarm | Median |
|---|---|---|---|
| Management fee | 1%highest quarter | 0.1% to 0.45%lowest quarter | 0.345% |
| Minimum investment | Not confirmed | £500above 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.
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
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.
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 | Finhabits | Moneyfarm |
|---|---|---|
| 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.
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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