Updated September 28, 2026 · BrokerCue Editorial Team
Fintual vs Moneyfarm
Fintual vs Moneyfarm: the differences
| Compare |  Fintual |  Moneyfarm |
|---|---|---|
| Management fee | 1.19% | 0.1% to 0.45%Lower |
| Minimum investment | CLP 0 | £500 |
| Regulators | Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV) | Financial Conduct Authority |
| Account types | Corporate | ISA, SIPP |
| Portfolio types | ETF | ETF, ESG, Cash, CryptoCovers more |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.8.
- Regulators: only Fintual offers Comision para el Mercado Financiero (CMF), Comision Nacional Bancaria y de Valores (CNBV).
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 1.19%.
- Account types: only Fintual offers Corporate.
- Account types: only Moneyfarm offers ISA, SIPP.
- Portfolio types: only Moneyfarm offers ESG, Cash, Crypto.
- Support channels: only Moneyfarm offers Phone.
Our verdict on each
Fintual
Fintual fits beginners who want a managed ETF portfolio rather than placing their own trades, and its management fee of 1.19% on the corporate account sits above the robo-advisor median. With headquarters in Chile, it works as a single-market option for Chilean savers rather than a choice for UK or European investors.
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 | Fintual | Moneyfarm |
|---|---|---|
| Cost | 8.0The management fee of 1.19% is above the robo-advisor median, offset by a minimum investment of CLP 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 | 8.6 | 9.7Higher |
| Trust | 9.7Higher | 8.7 |
The bill, worked out
10,000 invested for a year
Fintual
119
1.19% of 10,000
Moneyfarm
10 to 45
0.1% to 0.45% of 10,000
Moneyfarm comes out 109 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.
A third option
eToro has management fee at 0%, against 1.19% for Fintual and 0.1% to 0.45% for Moneyfarm.
eToro reviewWhere these facts come from
Fintual
- fintual.cl: 7 facts, checked September 26, 2026
- ayuda.fintual.cl: 1 fact, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
How they place
| Ranking | Fintual | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 177 of 471 | 119 of 471 |
| Robo-advisors | 73 of 151 | 43 of 151 |
Every fact side by side
| Fact | Fintual | Moneyfarm |
|---|---|---|
| Legal entity | Fintual Administradora General de Fondos S.A. | MFM Investment Ltd |
| Headquarters | Chile | United Kingdom |
| Support channels | Chat, Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Brokers
| Fact | Fintual | Moneyfarm |
|---|---|---|
| Minimum deposit | CLP 1 | Not confirmed |
| Stock trade fee | Not confirmed | £3.95 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Features | Fractional shares, Mobile app, Demo account | Not confirmed |
| Pricing model | Low fees | Not confirmed |
| Audience | Beginners | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Free fund transfers | Free deposits and withdrawals |
| Platforms | Mobile app, Web | Not confirmed |
Where each stands against the rest
| Fact | Fintual | Moneyfarm | Median |
|---|---|---|---|
| Management fee | 1.19%highest quarter | 0.1% to 0.45%lowest quarter | 0.35% |
Median across 87 listed brokers.
Pros and cons
Fintual
Pros
- Minimum investment of CLP 0 and a minimum deposit of CLP 1, so a portfolio can start small.
- Fractional shares, a mobile app and a demo account, all listed in fractional shares, mobile app and demo account.
- Fund transfers carry no charge: Free fund transfers.
Cons
- Management fees of 1.19% rank 47 of 49 on cost among the robo-advisors compared.
- Only corporate accounts are listed, so there is no personal investment account to pair it with.
- Support runs on chat, email and help centre only, with no phone line listed.
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
Fintual
Who it suits
- Beginners, listed as beginners, who want a managed etf portfolio.
- Anyone comfortable with a low fees model and no per-trade dealing.
- Investors who want to practise on the demo account in fractional shares, mobile app and demo account first.
Who should look elsewhere
- eToro, if you want a brand whose management fee is 0%.
- Vivid Standard, if you want business plan fees of 0.5% to 1.5%.
- Axos Invest, if you are starting above $100 rather than from CLP 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 | Fintual | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Fintual
What does Fintual cost?+
Fintual takes management fees of 1.19% on its corporate account, and the model is listed as low fees. The charge applies to the portfolio each year rather than to each trade, which suits holders rather than active traders.
Is there a minimum amount needed to start?+
The minimum investment is CLP 0 and the minimum deposit is CLP 1, so there is no real floor to clear. A Chilean saver can start with a small transfer and add to the portfolio as the balance allows.
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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