Updated September 28, 2026 · BrokerCue Editorial Team
InvestEngine vs Wealthify
InvestEngine vs Wealthify: the differences
| Compare |  InvestEngine |  Wealthify |
|---|---|---|
| Minimum deposit | £100Lower | £1,000 |
| Markets | ETFs | Stocks, ETFs, Bonds, FundsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | Free | No fees for deposits, withdrawals or transfers |
| Platforms | Web, iOS, Android | Web, iOS app, Android app |
| Account types | ISA, SIPP, CorporateCovers more | ISA, SIPP |
| Stock trade fee | £0 | Not confirmed |
| Account fee | £0 | 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
- Wealthify scores higher overall: 8.8 vs 8.7.
- Regulators: only InvestEngine offers Financial Conduct Authority (FCA).
- Regulators: only Wealthify offers Financial Conduct Authority.
- Founded is lower at Wealthify: 2016 vs 2019.
- Minimum deposit is lower at InvestEngine: £100 vs £1,000.
- Markets: only Wealthify offers Stocks, Bonds, Funds.
- Platforms: only InvestEngine offers iOS, Android.
- Platforms: only Wealthify offers iOS app, Android app.
- Account types: only InvestEngine offers Corporate.
- Support channels: only Wealthify offers Chat, Phone.
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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | InvestEngine | Wealthify |
|---|---|---|
| Cost | 9.0Higher | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 8.8The isa, sipp and corporate account range wraps one ETF plan for savers and firms alike. | 9.4Higher |
| Trust | 8.4 | 8.7Higher |
Licences and countries
| Country | InvestEngine | Wealthify |
|---|---|---|
| United Kingdom | Not confirmed |
Side by side, item by item
| Markets | InvestEngine | Wealthify |
|---|---|---|
| Stocks | No | Yes |
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | No | Yes |
| Account types | InvestEngine | Wealthify |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Corporate | Yes | No |
Sources behind this comparison
InvestEngine
- investengine.com: 10 facts, checked September 26, 2026
- blog.investengine.com: 2 facts, checked September 26, 2026
- help.investengine.com: 1 fact, checked September 26, 2026
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
How they place
| Ranking | InvestEngine | Wealthify |
|---|---|---|
| Stock and ETF brokers | 187 of 490 | 182 of 490 |
| Investment platforms and apps | 41 of 85 | 39 of 85 |
| Brokers for beginners | 57 of 88 | 54 of 88 |
| Robo-advisors | 83 of 153 | 80 of 153 |
| Stocks and shares ISA providers | 13 of 21 | 11 of 21 |
| SIPP providers | 12 of 22 | 10 of 22 |
Every fact side by side
| Fact | InvestEngine | Wealthify |
|---|---|---|
| Features | Fractional shares, Mobile appCovers more | Mobile app |
| Pricing model | Commission free | Low fees |
| Audience | Beginners | Beginners |
| Legal entity | InvestEngine (UK) Limited | Wealthify Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 2019 | 2016Lower |
| Support channels | Email, Help centre | Email, Chat, Phone, Help centreCovers more |
Robo-advisors
| Fact | InvestEngine | Wealthify |
|---|---|---|
| Management fee | 0.25%Lower | 0.6% |
| Minimum investment | £1Lower | £1,000 to £5,000 |
| Portfolio types | ETF | ESG, Cash |
Where each stands against the rest
| Fact | InvestEngine | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £100above the median | £1,000highest quarter | £25 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | £0at the median | Not confirmed | £0 |
| 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%.
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
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).
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
Country by country
| Country | InvestEngine | Wealthify |
|---|---|---|
| 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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.