flatex vs Moneyfarm - BrokerCue
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Broker Comparison

flatex vs Moneyfarm

Compare flatex and Moneyfarm side by side: fees, regulation, platforms.

flatex

flatex

German-market flat-fee investors

flatex is a German flat-fee online broker offering stocks, ETFs, bonds, funds, CFDs, and free savings plans, …

VS
Moneyfarm

Moneyfarm

Hands-off long-term investors

Moneyfarm is a UK-regulated digital wealth manager offering managed ETF portfolios across ISA, SIPP, JISA and…

Head-to-head comparison

flatex vs Moneyfarm
Feature flatex Moneyfarm
Minimum deposit - -
Stock trading fee EUR 5.90 flat fee per order; additional exchange fees may apply -
Regulators BaFin FCA, CONSOB
Best for German-market flat-fee investors Hands-off long-term investors
Markets & account
Stocks
-
ETFs
CFDs
-
Bonds
Funds
Investment Plans
Demo Account
-
Ready Made Portfolios
-
Isa
-
Sipp
-

Pros & cons

flatex

flatex

Pros

  • EUR 5.90 flat fee per trade regardless of order size
  • ETF and fund savings plans free of charge
  • No account, inactivity, custody, deposit, or withdrawal fees
  • Licensed German bank with BaFin regulation
  • Client cash covered by statutory deposit guarantee up to EUR 100,000
  • Securities held in segregated custody outside insolvency estate
  • Access to over 5,000 ETFs and funds

Cons

  • Platforms primarily in German, limiting accessibility for non-German speakers
  • flatex Trader 2.0 advanced platform costs EUR 15 per month
  • High FX conversion fee of 0.4% on non-EUR transactions
  • Bank transfer is the only deposit and withdrawal method
  • No options or futures trading
  • Crypto available only via ETPs and ETNs, not direct spot trading
  • Not available in most non-EU countries
Moneyfarm

Moneyfarm

Pros

  • FCA-regulated with FSCS protection up to £85,000
  • No deposit, withdrawal, or inactivity fees on managed accounts
  • Multiple account types: ISA, SIPP, JISA, GIA
  • Management fees taper to 0% above £1.5m
  • Automatically rebalanced ETF portfolios across seven risk levels
  • ESG and thematic portfolio options available
  • Investment consultant access across all account tiers
  • Flexible ISA - can withdraw and replace funds in the same tax year

Cons

  • No demo account
  • £500 minimum initial investment required
  • No individual stock picking in managed accounts
  • DIY investing trades cost £3.95 per share or ETF trade
  • No fractional shares
  • No in-specie transfers out
  • SIPP has a higher minimum monthly platform charge of £15
  • Platform only available in the UK (retail) and Italy
flatex

flatex

flatex is a German flat-fee online broker offering stocks, ETFs, bonds, funds, CFDs, and free savings plans, regulated by BaFin as a licensed bank.

Visit flatex Read review

Your capital is at risk. Other fees apply.

Moneyfarm

Moneyfarm

Moneyfarm is a UK-regulated digital wealth manager offering managed ETF portfolios across ISA, SIPP, JISA and GIA accounts, with tiered fees and a DIY investing option.

Visit Moneyfarm Read review

Your capital is at risk. Other fees apply.

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