Updated September 29, 2026 · BrokerCue Editorial Team
Freedom24 vs Moneyfarm
Freedom24 vs Moneyfarm: the differences
| Compare |  Freedom24 |  Moneyfarm |
|---|---|---|
| Stock trade fee | €2 | £3.95 |
| Markets | Stocks, ETFs, Options, Bonds | Stocks, ETFs, Bonds, Funds |
| Regulators | CySEC | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | 0.005%Lower | 0.7% |
| Deposit and withdrawal fees | EUR 7 per withdrawal | Free deposits and withdrawals |
| Minimum deposit | €0 | Not confirmed |
| Account fee | €0 | Not confirmed |
| Inactivity fee | €0 | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Platforms | Freedom24 App, Freedom24 Web | Not confirmed |
| Account types | Not confirmed | ISA, SIPP |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.9.
- Regulators: only Freedom24 offers CySEC.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Currency conversion fee is lower at Freedom24: 0.005% vs 0.7%.
- Markets: only Freedom24 offers Options.
- Markets: only Moneyfarm offers Funds.
Our verdict on each
Freedom24
Freedom24 suits European investors who want stocks, ETFs, options and bonds under one CySEC-regulated roof, and who would rather not pay an annual account charge of €0. A euro minimum deposit of €0 keeps entry easy, while per-deal trading costs make it a better fit for occasional buyers than for frequent traders.
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 | Freedom24 | Moneyfarm |
|---|---|---|
| Cost | 9.2HigherCost is middling: account fee €0 and minimum deposit €0 are nil, but €2 per deal is high against the €0 median. | 9.1The 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 |
Positions in our rankings
| Ranking | Freedom24 | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 161 of 471 | 119 of 471 |
Where each is licensed and available
| Country | Freedom24 | Moneyfarm |
|---|---|---|
| Cyprus | CySEC 275/15 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
Choosing between them
Pick Freedom24 if currency conversion fee matter most.
Pick Moneyfarm if offer matter most.
If neither fits
Freestoxx has currency conversion fee at 0%, against 0.005% for Freedom24 and 0.7% for Moneyfarm.
Freestoxx reviewSources behind this comparison
Freedom24
- forex.wikibit.com: 3 facts, checked September 26, 2026
- matchmybroker.com: 3 facts, checked September 26, 2026
- ucits-etfs.com: 3 facts, checked September 26, 2026
- beinoption.vercel.app: 2 facts, checked September 26, 2026
- eupersonalfinance.eu: 2 facts, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Freedom24 | Moneyfarm |
|---|---|---|
| Features | Options, Mobile app | Not confirmed |
| Legal entity | Freedom Finance Europe Ltd | MFM Investment Ltd |
| Headquarters | Cyprus | United Kingdom |
| Founded | 2013 | Not confirmed |
| Support channels | Not confirmed | Email, Phone, Help centre, Chat |
Where each stands against the rest
| Fact | Freedom24 | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | €0below the median | Not confirmed | €1 |
| Account fee | €0at the median | Not confirmed | €0 |
| Inactivity fee | €0below the median | Not confirmed | €2.45 |
| Currency conversion fee | 0.005%lowest quarter | 0.7%highest quarter | 0.45% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
Median across 52 listed brokers.
Pros and cons
Freedom24
Pros
- Account fee €0 and inactivity fee €0 leave the cost of holding an account at nil.
- A minimum deposit of €0 sits well under the €6.17 median for stock brokers.
- A single account covers stocks, etfs and options, so an ETF, a bond and an option sit together.
Cons
- A stock trade fee of €2 ranks 126 of 161 on the site, well behind the field.
- Withdrawals cost EUR 7 per withdrawal each.
- Currency conversion is charged at 0.005% on positions held outside the euro.
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
Freedom24
Who it suits
- Investors who want stocks, etfs and options in one account with an account fee of €0.
- Savers who prefer a euro starting point of €0 and a firm authorised in Cyprus under 275/15.
- People who trade from a phone as well as a browser, since Freedom24 App and Freedom24 Web lists the Freedom24 App and web platform.
Who should look elsewhere
- eToro, if the cost of each trade decides it, because its stock trade fee is $0.
- Vantage, if you would rather start with a deposit of $5 than fund the account from the first unit.
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 | Freedom24 | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Freedom24
What does a trade cost at Freedom24?+
A stock trade costs €2, with options at $0.65 per contract and currency conversion at 0.005%. That per-deal cost is the number to weigh, since the account fee of €0 adds nothing to it.
Is there an account fee or an inactivity charge?+
The account fee is €0 and the inactivity fee is €0. Both rank 1 on the site, so an unused account does not start costing money. That suits investors who top up in small amounts rather than trading often.
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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