Updated September 29, 2026 · BrokerCue Editorial Team
Moneyfarm vs NAGA
What sets them apart
| Compare |  Moneyfarm |  NAGA |
|---|---|---|
| Stock trade fee | £3.95 | €3 |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Forex, CFDs, Futures, Crypto |
| Regulators | Financial Conduct Authority | Cyprus Securities and Exchange Commission |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Free deposits and withdrawals | No withdrawal fee |
| Minimum deposit | Not confirmed | €50 |
| Retail accounts that lose money | Not confirmed | 70.45% |
| Currency conversion fee | 0.7% | Not confirmed |
| Platforms | Not confirmed | iOS, Android, Web, MetaTrader 5 |
| Account types | ISA, SIPP | Not confirmed |
| Interest on cash | Not confirmed | 2.4% |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.7.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only NAGA offers Cyprus Securities and Exchange Commission.
- NAGA is available in 29 more countries.
- Markets: only Moneyfarm offers Bonds, Funds.
- Markets: only NAGA offers Forex, CFDs, Futures.
Our verdict on each
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.
NAGA
NAGA suits mobile copy traders who want stocks, ETFs, forex, CFDs, futures and crypto alongside social features in the same app. Opening starts at €50, while stock trades carry €3, so active share buyers should weigh costs against broader choice.
Score breakdown
| Area | Moneyfarm | NAGA |
|---|---|---|
| Cost | 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. | 8.5Stock trades cost €3; withdrawals show No withdrawal fee. |
| Offer | 9.7Higher | 9.1Coverage spans stocks, ETFs and forex via iOS, Android and Web for desktop plus mobile. |
| Trust | 8.7Higher | 8.5Cover sits at EU ICS up to EUR 20,000 under Cyprus oversight. |
Where they rank in our lists
| Ranking | Moneyfarm | NAGA |
|---|---|---|
| Stock and ETF brokers | 119 of 471 | 4 of 471 |
Sources behind this comparison
Moneyfarm
- moneyfarm.com: 10 facts, checked September 26, 2026
NAGA
- naga.com: 5 facts, checked September 28, 2026
- nagamarkets.zendesk.com: 5 facts, checked September 28, 2026
Every fact side by side
| Fact | Moneyfarm | NAGA |
|---|---|---|
| Features | Not confirmed | Crypto, Copy trading, Mobile app |
| Legal entity | MFM Investment Ltd | Not confirmed |
| Headquarters | United Kingdom | Not confirmed |
| Support channels | Email, Phone, Help centre, Chat | Not confirmed |
Where each stands against the rest
| Fact | Moneyfarm | NAGA | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €50above the median | €1 |
| Retail accounts that lose money | Not confirmed | 70.45%below the median | 72.05% |
| Currency conversion fee | 0.7%highest quarter | Not confirmed | 0.45% |
| Interest on cash | Not confirmed | 2.4%below the median | 3% |
Median across 47 listed brokers.
Pros and cons
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%.
NAGA
Pros
- Access stocks, ETFs and forex under a single login, covering shares through crypto for varied strategies.
- Trade via iOS, Android and Web, with MetaTrader 5 plus mobile apps for flexible order management.
- Withdrawals show No withdrawal fee, helped by No withdrawal fee for cost clarity.
Cons
- Stock trade fee sits at €3, which can weigh on frequent share buyers versus lower fee rivals.
- Support runs on help centre only, so help stays inside help centre without live chat or phone.
- Entry starts at €50, above ActivTrades at $0 for very small starters.
Who each suits
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.
NAGA
Who it suits
- Social traders who follow others and want futures plus crypto alongside shares may prefer NAGA over eToro.
- Mobile led investors starting at €50 who accept €3 may prefer NAGA over ActivTrades.
Who should look elsewhere
- Cost sensitive share buyers who want lower ticket fees than €3 may prefer XTB.
- Traders wanting phone or live chat beyond help centre may prefer ActivTrades.
Country by country
| Country | Moneyfarm | NAGA |
|---|---|---|
| Austria | No | Yes |
| Belgium | No | Yes |
| Bulgaria | No | Yes |
| Croatia | No | Yes |
| Cyprus | No | Yes |
| Czechia | No | Yes |
| Denmark | No | Yes |
| Estonia | No | Yes |
8 of 31 countries where either is available.
Questions about each
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.
NAGA
What does NAGA charge for stock trades and withdrawals?+
Stock orders carry €3 per trade, and funding shows No withdrawal fee for withdrawals. Share buyers who trade often should compare that ticket charge with rivals before committing, as frequent dealing lifts total cost over time.
What is the minimum deposit to open a NAGA account?+
Trading can start at €50, which keeps entry modest for newcomers testing markets. Withdrawals show No withdrawal fee, so moving funds out does not add a separate withdrawal charge under current terms.
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