Updated September 28, 2026 · BrokerCue Editorial Team
InvestEngine vs Moneyfarm
InvestEngine vs Moneyfarm: the differences
| Compare |  InvestEngine |  Moneyfarm |
|---|---|---|
| Stock trade fee | £0Lower | £3.95 |
| Markets | ETFs | Stocks, ETFs, Bonds, FundsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free | Free deposits and withdrawals |
| Account types | ISA, SIPP, CorporateCovers more | ISA, SIPP |
| Minimum deposit | £100 | Not confirmed |
| Account fee | £0 | Not confirmed |
| Currency conversion fee | Not confirmed | 0.7% |
| Platforms | Web, iOS, Android | Not confirmed |
| Interest on cash | 0% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.7.
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Stock trade fee is lower at InvestEngine: £0 vs £3.95.
- Markets: only Moneyfarm offers Stocks, Bonds, Funds.
- Account types: only InvestEngine offers Corporate.
- Support channels: only Moneyfarm offers Phone, Chat.
Our verdict on each
InvestEngine
InvestEngine suits beginners who want their money spread across ETFs without picking shares themselves. Costs stay thin: an account fee of £0, a stock trade fee of £0 and a single portfolio management charge of 0.25%, with deposits and withdrawals free.
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 | InvestEngine | Moneyfarm |
|---|---|---|
| Cost | 9.0 | 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 | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. | 9.7Higher |
| Trust | 8.4 | 8.7Higher |
Positions in our rankings
| Ranking | InvestEngine | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 187 of 490 | 110 of 490 |
| Investment platforms and apps | 41 of 85 | 24 of 85 |
| Robo-advisors | 83 of 153 | 42 of 153 |
| Stocks and shares ISA providers | 13 of 21 | 4 of 21 |
| SIPP providers | 12 of 22 | 4 of 22 |
Availability and regulation
| Country | InvestEngine | Moneyfarm |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 |
Available in 1 country for both.
Every fact side by side
| Fact | InvestEngine | Moneyfarm |
|---|---|---|
| Features | Fractional shares, Mobile app | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | InvestEngine (UK) Limited | MFM Investment Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Help centre | Email, Phone, Help centre, ChatCovers more |
Robo-advisors
| Fact | InvestEngine | Moneyfarm |
|---|---|---|
| Management fee | 0.25% | 0.1% to 0.45%Lower |
| Minimum investment | £1Lower | £500 |
| Portfolio types | ETF | ETF, ESG, Cash, CryptoCovers more |
Where each stands against the rest
| Fact | InvestEngine | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | Not confirmed | £25 |
| Stock trade fee | £0at the median | £3.95highest quarter | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| Currency conversion fee | Not confirmed | 0.7%above the median | 0.4% |
| Interest on cash | 0%lowest quarter | Not confirmed | 3% |
Median across 34 listed brokers.
Pros and cons
InvestEngine
Pros
- An account fee of £0 and a stock trade fee of £0 leave almost nothing to pay for holding or trading.
- Investor protection is FSCS up to GBP 85,000, with the platform regulated by the Financial Conduct Authority.
- The platform list covers Web, iOS and Android, and fractional shares make small regular buys work.
Cons
- Shares are not among its markets (etfs), so the range stays on funds rather than a general dealing list.
- Support runs on email and help centre, with no phone number for urgent account questions.
- Cash waiting to be invested earns 0%.
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
InvestEngine
Who it suits
- Beginners who want a curated portfolio and can start from a minimum investment of £1.
- ISA and SIPP holders in the UK who would rather not pay an account fee.
- Investors who only need help by email and are happy to stay inside a single asset class.
Who should look elsewhere
- CFI, for anyone who wants to open with a minimum deposit of $0 rather than £100.
- Vantage, for anyone who wants a smaller entry point, since its minimum deposit is $5.
- eToro, for traders who want share dealing, because shares are not among its markets (etfs).
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 | InvestEngine | Moneyfarm |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
InvestEngine
What does it cost to hold an InvestEngine account?+
The account fee is £0 and a stock trade costs £0, so buying and holding leaves most of the pot intact. The only ongoing charge is the portfolio management fee of 0.25%, which is taken on the portfolio rather than per trade. Cash left uninvested earns 0%.
Is my money protected if the platform fails?+
The Financial Conduct Authority is the regulator named on the licence, and the platform states investor protection of FSCS up to GBP 85,000. The account is run by InvestEngine (UK) Limited, a UK company, so UK rules and the protection scheme both apply to the account.
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.