Updated October 17, 2026 · BrokerCue Editorial Team
InvestEngine vs Pepperstone
InvestEngine vs Pepperstone: the differences
| Compare |  InvestEngine | Pepperstone ReviewVisitVisit |
|---|---|---|
| Minimum deposit | £100 | $10 |
| Stock trade fee | £0 | $0.020 |
| Markets | ETFs | Stocks, ETFs, Forex, CFDs, Crypto, MetalsCovers more |
| Platforms | Web, iOS, Android | TradingView, MetaTrader 4, MetaTrader 5, CTrader, Pepperstone platform |
| Account fee | £0 | Not confirmed |
| Regulators | Financial Conduct Authority (FCA) | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Retail accounts that lose money | Not confirmed | 74.1% |
| Deposit and withdrawal fees | Free | Not confirmed |
| Account types | ISA, SIPP, Corporate | Not confirmed |
| Interest on cash | 0% | Not confirmed |
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Key differences
- Pepperstone scores higher overall: 9.2 vs 8.7.
- Markets: only Pepperstone offers Stocks, Forex, CFDs.
- Platforms: only InvestEngine offers Web, iOS, Android.
- Platforms: only Pepperstone offers TradingView, MetaTrader 4, MetaTrader 5.
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.
Pepperstone
Pepperstone is a CFD broker with several platforms and a demo account. It suits active traders, though leveraged CFDs carry a high risk of quick losses.
Score breakdown
| Area | InvestEngine | Pepperstone |
|---|---|---|
| Cost | 9.0Higher | 8.9 |
| Offer | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. | 9.5Higher |
| Trust | 8.4 | Not confirmed |
What each covers
| Markets | InvestEngine | Pepperstone |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Crypto | No | Yes |
| Metals | No | Yes |
Licences and countries
| Country | InvestEngine | Pepperstone |
|---|---|---|
| United Kingdom | Not confirmed |
How they place
| Ranking | InvestEngine | Pepperstone |
|---|---|---|
| Stock and ETF brokers | 195 of 471 | 22 of 471 |
Every fact side by side
| Fact | InvestEngine | Pepperstone |
|---|---|---|
| Features | Fractional shares, Mobile app | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Audience | Beginners | Not confirmed |
| Legal entity | InvestEngine (UK) Limited | Not confirmed |
| Headquarters | United Kingdom | Not confirmed |
| Founded | 2019 | Not confirmed |
| Support channels | Email, Help centre | Email, Help centre |
Robo-advisors
| Fact | InvestEngine | Pepperstone |
|---|---|---|
| Management fee | 0.25% | Not confirmed |
| Minimum investment | £1 | Not confirmed |
| Portfolio types | ETF | Not confirmed |
Where each stands against the rest
| Fact | InvestEngine | Pepperstone | Median |
|---|---|---|---|
| Account fee | £0at the median | Not confirmed | £0 |
| Retail accounts that lose money | Not confirmed | 74.1%above the median | 72.21% |
| Interest on cash | 0%lowest quarter | Not confirmed | 3% |
Median across 49 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%.
Pepperstone
Pros
- Several platforms, including MetaTrader, cTrader and TradingView.
- Two pricing styles, one all in and one commission based.
- A demo account with virtual funds before going live.
Cons
- Leverage can cause fast losses, and a high share of retail accounts lose money.
- Overnight positions can pay or earn interest, with larger midweek rollovers.
- Withdrawals must go to an account or card in your own name.
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).
Pepperstone
Who it suits
- Traders who want a choice of MetaTrader, cTrader and TradingView.
- Frequent FX, gold or index CFD traders.
Who should look elsewhere
- Anyone who cannot accept fast losses from leverage.
- Long term investors who want to own shares outright.
Country by country
| Country | InvestEngine | Pepperstone |
|---|---|---|
| United Kingdom | Yes | No |
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.
Pepperstone
Does Pepperstone charge fees on deposits or withdrawals?+
The company charges no internal funding or withdrawal fees, though your bank or payment provider may apply its own charges. Deposits can be made by debit or credit card, digital wallet, or domestic and international bank transfer. Withdrawals must go to an account or card in the same name.
Can I practise on a demo account first?+
Yes. A demo account uses virtual funds in a live market environment and runs on the same platforms as live accounts. You can test strategies, try order types and explore charts and indicators without risking capital. Demo accounts cannot be reactivated once closed, so keep notes on what you tested.
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