Updated September 28, 2026 · BrokerCue Editorial Team
justTRADE vs Moneyfarm
Where justTRADE and Moneyfarm differ
| Compare |  justTRADE |  Moneyfarm |
|---|---|---|
| Stock trade fee | €0 | £3.95 |
| Markets | Stocks, ETFs, Crypto | Stocks, ETFs, Bonds, Funds |
| Regulators | Federal Financial Supervisory Authority (BaFin) | Financial Conduct Authority |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Account types | Not confirmed | ISA, SIPP |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.9.
- Regulators: only justTRADE offers Federal Financial Supervisory Authority (BaFin).
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Markets: only justTRADE offers Crypto.
- Markets: only Moneyfarm offers Bonds, Funds.
Our verdict on each
justTRADE
justTRADE suits euro zone investors who want to hold stocks, ETFs and crypto in one app without paying per trade. It scores 7.1 overall, with stock trade fees of €0 and a mobile app as the main draw, and it is regulated in its home market of DE.
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 | justTRADE | Moneyfarm |
|---|---|---|
| Cost | 9.4HigherStock trade fees are €0 on the commission-free model, first on stock trade fee among 161 brands. | 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 | 8.8 | 9.7Higher |
| Trust | 8.6 | 8.7Higher |
Positions in our rankings
| Ranking | justTRADE | Moneyfarm |
|---|---|---|
| Stock and ETF brokers | 163 of 471 | 119 of 471 |
Feature by feature
| Markets | justTRADE | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Crypto | Yes | No |
| Bonds | No | Yes |
| Funds | No | Yes |
Choosing between them
Pick justTRADE if cost matter most.
Pick Moneyfarm if offer matter most.
Availability and regulation
| Country | justTRADE | Moneyfarm |
|---|---|---|
| Germany | Federal Financial Supervisory Authority (BaFin) MiCA CASP 529900YERL5TV5YJCR45 | Not confirmed |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
Additional countries for justTRADE: 1. Additional countries for Moneyfarm: 1.
Every fact side by side
| Fact | justTRADE | Moneyfarm |
|---|---|---|
| Features | Crypto, Mobile app | Not confirmed |
| Pricing model | Commission free | Not confirmed |
| Legal entity | JT Technologies GmbH | MFM Investment Ltd |
| Headquarters | Germany | United Kingdom |
| Support channels | Not confirmed | Email, Phone, Help centre, Chat |
Where each stands against the rest
| Fact | justTRADE | Moneyfarm | Median |
|---|---|---|---|
| Currency conversion fee | Not confirmed | 0.7%highest quarter | 0.45% |
Median across 38 listed brokers.
Pros and cons
justTRADE
Pros
- Stock trade fees of €0 on a commission-free pricing model
- Crypto sits alongside stocks and ETFs, so one account covers three asset classes
- Regulated by the Federal Financial Supervisory Authority (BaFin) in Germany
Cons
- Investor protection is EU ICS up to EUR 20,000, the EU scheme cap, so larger portfolios sit above it
- Forex, CFDs and bonds are not among its markets (stocks, etfs and crypto), which cover stocks, ETFs and crypto
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
justTRADE
Who it suits
- Euro zone residents who want one app for stocks, ETFs and crypto
- Long term investors who pay nothing per trade and value regulated custody
- Beginners who want a simple mobile app rather than a wide dealing platform
Who should look elsewhere
- Investors who hold more than the EU investor compensation cap in cash
- Traders who need forex, CFDs, bonds or futures on the same account
- Anyone wanting a stocks and shares ISA or SIPP wrapper
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 | justTRADE | Moneyfarm |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
justTRADE
How much does it cost to buy a stock on justTRADE?+
Stock trade fees are €0 because the broker runs a commission-free model. The site median for stock trade fees is €0, and justTRADE sits first on that measure among the 161 brands compared.
Who regulates justTRADE and where?+
The broker is regulated by the Federal Financial Supervisory Authority (BaFin) in Germany, the country of its registered entity, JT Technologies GmbH. The crypto side runs under a MiCA CASP licence, reference MiCA CASP 529900YERL5TV5YJCR45. German supervision is the regulatory framework that applies 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.
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