Updated September 29, 2026 · BrokerCue Editorial Team
Moneyfarm vs Octa
Moneyfarm vs Octa: the differences
| Compare |  Moneyfarm |  Octa |
|---|---|---|
| Stock trade fee | £3.95 | $0 |
| Markets | Stocks, ETFs, Bonds, Funds | Forex, CFDs, Crypto, Metals |
| Regulators | Financial Conduct Authority | CySEC |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Deposit and withdrawal fees | Free deposits and withdrawals | No deposit or withdrawal fees |
| Minimum deposit | Not confirmed | $25 |
| Inactivity fee | Not confirmed | $0 |
| Retail accounts that lose money | Not confirmed | 66% |
| Currency conversion fee | 0.7% | Not confirmed |
| EUR/USD spread | Not confirmed | 0.9% |
| Platforms | Not confirmed | MT4, MT5, OctaTrader, CTrader |
| Account types | ISA, SIPP | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 9.0.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Octa offers CySEC.
- Markets: only Moneyfarm offers Stocks, ETFs, Bonds.
- Markets: only Octa offers Forex, CFDs, Crypto.
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.
Octa
Octa suits traders who want a regulated EU broker with a small entry amount and no account costs. It pairs a minimum deposit of $25 with a stock trade fee of $0 and an inactivity fee of $0, backed by CySEC and EU investor compensation.
Score breakdown
| Area | Moneyfarm | Octa |
|---|---|---|
| Cost | 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. | 9.1Fees of $0 on shares, $0 inactivity charge and No deposit or withdrawal fees, against a minimum deposit of $25. |
| Offer | 9.7Higher | 9.4 |
| Trust | 8.7 | 8.8Higher |
Licences and countries
| Country | Moneyfarm | Octa |
|---|---|---|
| Cyprus | Not confirmed | |
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
Every fact side by side
| Fact | Moneyfarm | Octa |
|---|---|---|
| Features | Not confirmed | Crypto |
| Pricing model | Not confirmed | Commission free |
| Legal entity | MFM Investment Ltd | Octa Markets Cyprus Ltd |
| Headquarters | United Kingdom | Not confirmed |
| Founded | Not confirmed | 2011 |
| Support channels | Email, Phone, Help centre, Chat | Not confirmed |
Where each stands against the rest
| Fact | Moneyfarm | Octa | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $25at the median | $25 |
| Inactivity fee | Not confirmed | $0at the median | $0 |
| Retail accounts that lose money | Not confirmed | 66%lowest quarter | 72.13% |
| Currency conversion fee | 0.7%highest quarter | Not confirmed | 0.45% |
| EUR/USD spread | Not confirmed | 0.9%above the median | 0.65% |
Median across 135 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%.
Octa
Pros
- No stock trade fee, at $0, while the broker operates a commission free model
- Inactivity fee of $0, so dormant balances are not drained
- Deposit and withdrawal charges are clear: No deposit or withdrawal fees
Cons
- Minimum deposit of $25 is above the site median of €4.64
- EUR/USD spread of 0.9% sits in commission free pricing, so cost is built into the spread
- Retail accounts that lose money sit at 66%
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.
Octa
Who it suits
- Traders who want a CySEC regulated EU broker and value compensation cover
- Forex and CFD traders who prefer commission free pricing in the spread
- Anyone who wants to fund an account without deposit or withdrawal charges
Who should look elsewhere
- CFI, whose minimum deposit of $0 is lower than Octa's
- eToro, whose markets list of stocks, etfs and forex includes shares and ETFs that Octa does not cover
Country by country
| Country | Moneyfarm | Octa |
|---|---|---|
| United Kingdom | Yes | No |
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.
Octa
How much does Octa charge to open and use an account?+
The stock trade fee is $0 and the inactivity fee is $0, so holding an open position costs nothing extra. Octa runs a commission free model, which means the trading cost sits in the spread rather than in a separate commission. Funding in and out carries No deposit or withdrawal fees.
Who regulates Octa and what protection does it carry?+
Octa is regulated by CySEC in Cyprus, and the contracting entity is Octa Markets Cyprus Ltd. Client money is covered by the EU investor compensation scheme, and the stated limit is EU ICS up to EUR 20,000. Read the cover as a cap: it marks the point above which a claim falls outside the scheme.
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