Moneyfarm review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
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.
Key facts
- Best for
- Hands-off ISA and SIPP saving run on a percentage management fee.
- Management fee
- 0.1% to 0.45% (Source, checked September 26, 2026)
- Minimum investment
- £500 (Source, checked September 26, 2026)
- Regulators
- Financial Conduct Authority (Source, checked September 26, 2026)
- Investor protection
- FSCS up to GBP 85,000 (Source, checked September 26, 2026)
- Account types
- ISA, SIPP (Source, checked September 26, 2026)
- Portfolio types
- ETF, ESG, Cash, Crypto (Source, checked September 26, 2026)
- Legal entity
- MFM Investment Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
- Official website
- moneyfarm.com
Brokers
- Stock trade fee
- £3.95 (Source, checked September 26, 2026)
- Markets
- Stocks, ETFs, Bonds, Funds (Source, checked September 26, 2026)
- Regulators
- Financial Conduct Authority (Source, checked September 26, 2026)
- Investor protection
- FSCS up to GBP 85,000 (Source, checked September 26, 2026)
- Currency conversion fee
- 0.7% (Source, checked September 26, 2026)
- Deposit and withdrawal fees
- Free deposits and withdrawals (Source, checked September 26, 2026)
- Account types
- ISA, SIPP (Source, checked September 26, 2026)
- Legal entity
- MFM Investment Ltd (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Support channels
- Email, Phone, Help-centre, Chat (Source, checked September 26, 2026)
Apps and profiles
- Get the app
- App StoreGoogle Play
Pros and cons
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.
- Support runs on email, phone and help centre, so help is available by phone and chat as well as email.
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%.
- The account range is isa and sipp accounts, so money held outside a wrapper has no home here.
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.
Portfolios and accounts
Moneyfarm runs managed portfolios, and the style you pick shapes what sits inside them. The available options are etf, esg and cash, so a saver can hold a diversified core, tilt towards ESG, sit in cash, or take a crypto exposure alongside it. On the account side the choice is isa and sipp accounts: an ISA for a tax-efficient investment and a SIPP for a pension. That is a narrow set of wrappers, and it tells you this is a set-and-forget product rather than a place to hold spare cash outside a wrapper.
Opening and funding an account
Opening an account comes down to the entry point and the wrapper. The floor is £500, so the opening payment has to clear that level before a portfolio is bought. Deposits and withdrawals carry no charge, which matters over a long saving habit, since money can move in and out without a transaction cost reducing the amount invested. The other decision is the wrapper: isa and sipp accounts, so you are choosing between a pension plan and a tax-efficient investment account.
Safety and regulation
Regulation is the anchor. The UK operation is regulated by the Financial Conduct Authority, and the licence number is 629539, which a reader can check on the regulator's own register rather than take on trust. Investor protection runs through the FSCS, and the provider states the ceiling that applies to eligible balances, so any claim is capped rather than unlimited. That combination gives a workable safety check: verify the licence, read the ceiling, then decide.
What trading costs
The ongoing charge is a management fee of 0.1% to 0.45% on the money held, set as a percentage of the portfolio rather than a price per trade. It is the figure to compare against other robo-advisors and against platforms that charge per trade instead. The second input is the size of the pot, since accounts open at £500: the same percentage bites a small balance harder in cash terms, so a starting sum close to the floor is where the fee matters most.
How Moneyfarm compares
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Where Moneyfarm is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (629539), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
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.
Who regulates Moneyfarm in the UK?+
The UK operation is regulated by the Financial Conduct Authority, with licence number 629539. Investor protection runs through the FSCS, and the provider states the ceiling that applies to eligible balances, so a claim is capped rather than open-ended.
What does it cost to deposit and withdraw?+
Deposits and withdrawals carry no charge, so funding the account and taking money out adds no transaction cost. The opening payment still has to meet the £500 entry point, and the money you fund is held in isa and sipp accounts.
Which account types can I open?+
The range is isa and sipp accounts, giving you a pension wrapper and a tax-efficient investment wrapper rather than a general account. On the portfolio side the styles available are etf, esg and cash, which covers a diversified core, ESG, cash and crypto.
Who is Moneyfarm suited to?+
It suits people who would rather choose a portfolio than pick investments, since the account is managed rather than self-traded. Support also runs on email, phone and help centre, so help comes by phone, chat and email instead of living inside the app.
Can I start with a smaller amount?+
The minimum investment is £500, which is a real hurdle for a first payment. Axos Invest lists $100 as its entry point, and the median minimum investment across robo-advisors here is €60.06.
How likely am I to lose money?+
Losing money is common in investing, and the figures on the site reflect it: the median share of retail accounts that lose money is 70.15%. A managed portfolio drawn from stocks, etfs and bonds hands over the decisions, not the outcome, so treat it as a long-term holding rather than a safe place for short-term cash.
Sources
- moneyfarm.com checked September 26, 2026
Backs: Account types, Portfolio types
“Includes all managed accounts: ISA, JISA, SIPP and GIA”
- moneyfarm.com checked September 26, 2026
Backs: Markets
“Choose your own investments from a wide range of stocks, ETFs, bonds and mutual funds”
- moneyfarm.com/uk/contact-us checked September 26, 2026
Backs: Minimum investment, Support channels
“You'll need at least £500 (transfer or new contribution), but as a starting point we'd suggest £2,500 or more.”
- moneyfarm.com/uk/isa checked September 26, 2026
Backs: Management fee
“Actively managed 0.45% Up to £50k ... 0.10% From £100k to £1.5 million ... No fees above £1.5 million”
- moneyfarm.com/uk/legal-and-regulatory checked September 26, 2026
Backs: Headquarters, Investor protection, Legal entity, Regulators, Licences
“The term MFM INVESTMENT Limited, 'Moneyfarm' or 'us' or 'we' refers to the owner of the website whose registered office is 90-92 Pentonville Road, London N1 9HS.”
- moneyfarm.com/uk/pricing checked September 26, 2026
Backs: Deposit and withdrawal fees, Currency conversion fee, Stock trade fee
“You won't pay - Withdrawal - Top-ups”
Compiled from 6 source pages, checked September 26, 2026. We did not open an account.