Updated September 29, 2026 · BrokerCue Editorial Team
Interactive Brokers vs Moneyfarm
What sets them apart
| Compare |  Interactive Brokers |  Moneyfarm |
|---|---|---|
| Stock trade fee | $0 | £3.95 |
| Markets | Bonds, ETFs, Forex, Funds, Futures, Options, StocksCovers more | Stocks, ETFs, Bonds, Funds |
| Regulators | SEC, FCA, SIPC | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | ISA, SIPP, IRA, Joint, CorporateCovers more | ISA, SIPP |
| Minimum deposit | $0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Margin rate | 4.38% | Not confirmed |
| Options contract fee | $0.65 | Not confirmed |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Platforms | Client Portal, IBKR Desktop, IBKR Mobile, Trader Workstation | Not confirmed |
| Interest on cash | 3.38% | Not confirmed |
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Key differences
- Interactive Brokers scores higher overall: 9.6 vs 9.1.
- Regulators: only Interactive Brokers offers SEC, FCA, SIPC.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Interactive Brokers is licensed in 1 more country.
- Markets: only Interactive Brokers offers Forex, Futures, Options.
- Account types: only Interactive Brokers offers IRA, Joint, Corporate.
- Support channels: only Interactive Brokers offers Community.
- Support channels: only Moneyfarm offers Email, Phone, Chat.
Our verdict on each
Interactive Brokers
Interactive Brokers suits investors who want a single account across ISA, SIPP, IRA, joint and corporate holdings, with stocks, bonds, funds, forex, options and futures behind it. It ranks 1 of 213 brands on minimum deposit at $0, and stock trades are charged at $0.
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 | Interactive Brokers | Moneyfarm |
|---|---|---|
| Cost | 9.3HigherStock trades cost $0, the minimum deposit is $0 and an options contract costs $0.65. | 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 | 9.6Account types cover isa, sipp and ira, and the market list spans bonds, etfs and forex. | 9.7Higher |
| Trust | 9.8Higher | 8.7 |
Where they rank in our lists
| Ranking | Interactive Brokers | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 44 of 471 | 119 of 471 |
| Robo-advisors | 11 of 151 | 43 of 151 |
What each covers
| Markets | Interactive Brokers | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | Yes | No |
| Options | Yes | No |
| Futures | Yes | No |
| Bonds | Yes | Yes |
| Funds | Yes | Yes |
| Account types | Interactive Brokers | Moneyfarm |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| IRA | Yes | No |
| Joint | Yes | No |
| Corporate | Yes | No |
Where each is licensed and available
| Country | Interactive Brokers | Moneyfarm |
|---|---|---|
| United Kingdom | FCA 208159 | Financial Conduct Authority 629539 |
| United States | SIPC SIPC member 53615 | Not confirmed |
Every fact side by side
| Fact | Interactive Brokers | Moneyfarm |
|---|---|---|
| Features | Fractional shares, Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | Not confirmed |
| Legal entity | INTERACTIVE BROKERS LLC | MFM Investment Ltd |
| Headquarters | United States | United Kingdom |
| Founded | 1978 | Not confirmed |
| Support channels | Help centre, Community | Email, Phone, Help centre, Chat |
Robo-advisors
| Fact | Interactive Brokers | Moneyfarm |
|---|---|---|
| Management fee | Not confirmed | 0.1% to 0.45% |
| Minimum investment | Not confirmed | £500 |
| Portfolio types | ETF | ETF, ESG, Cash, CryptoCovers more |
Where each stands against the rest
| Fact | Interactive Brokers | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | $0below the median | Not confirmed | $25 |
| Currency conversion fee | Not confirmed | 0.7%highest quarter | 0.45% |
| Margin rate | 4.38%below the median | Not confirmed | 8.75% |
| Options contract fee | $0.65above the median | Not confirmed | $0.625 |
| Interest on cash | 3.38%above the median | Not confirmed | 3% |
Median across 135 listed brokers.
Pros and cons
Interactive Brokers
Pros
- A stock trade costs $0 and the minimum deposit is $0, the pairing behind rank 1 of 161 on stock trade fees among the brokers tracked here.
- The account types listed cover isa, sipp and ira, so an ISA, SIPP, IRA, joint or corporate account all sit under a single provider.
- bonds, etfs and forex puts stocks, ETFs, bonds, funds, forex, options and futures on the same account, with a margin rate of 4.38% for geared positions.
Cons
- Support runs on help centre and community, so a phone line and live chat sit outside the offer.
- bonds, etfs and forex covers shares, ETFs, bonds, funds, forex, options and futures but leaves out crypto and CFDs, which eToro lists in stocks, etfs and forex.
- An options contract costs $0.65 against a stock trade at $0, so options strategies pay a visible premium per contract.
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
Interactive Brokers
Who it suits
- Investors holding money across several wrappers, since the account types listed cover isa, sipp and ira.
- Traders who want options, futures, forex and bonds alongside shares on a single account, per bonds, etfs and forex.
- Anyone starting with a small balance: the minimum deposit is $0 and fractional shares appear in the feature list (fractional shares and mobile app).
Who should look elsewhere
- Anyone who trades crypto or CFDs, since bonds, etfs and forex leaves both out while eToro lists them in stocks, etfs and forex.
- Readers who want a stated entry figure as a signal of the provider's target size, since Vantage publishes $5 where this broker's minimum is $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 | Interactive Brokers | Moneyfarm |
|---|---|---|
| United Kingdom | No | Yes |
Questions about each
Interactive Brokers
What does it cost to trade shares?+
A stock trade is charged at $0 and the minimum deposit is $0, so opening an account and dealing in shares carry no charge. The money sits in derivatives and leverage instead, where an options contract costs $0.65 and the margin rate is listed at 4.38%.
Is my money protected?+
The regulatory list runs to SEC, FCA and SIPC, and investor protection is stated as SIPC up to USD 500,000. The UK entry is the FCA under licence 208159, while the US side names the SEC and the SIPC membership SIPC member 53615. The protection figure describes the scheme stated for the account and says nothing about how a trade performs.
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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