Updated September 28, 2026 · BrokerCue Editorial Team
Moneyfarm vs OneFamily
Moneyfarm vs OneFamily: the differences
| Compare |  Moneyfarm |  OneFamily |
|---|---|---|
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority (FCA) |
| Deposit and withdrawal fees | Free deposits and withdrawals | 25% government withdrawal charge on non-qualifying withdrawals |
| Account types | ISA, SIPP | Lisa, Jisa |
| Minimum deposit | Not confirmed | £25 |
| Stock trade fee | £3.95 | Not confirmed |
| Currency conversion fee | 0.7% | Not confirmed |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.7.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only OneFamily offers Financial Conduct Authority (FCA).
- Markets: only Moneyfarm offers ETFs, Bonds.
- Account types: only Moneyfarm offers ISA, SIPP.
- Account types: only OneFamily offers Lisa, Jisa.
- Support channels: only Moneyfarm offers Phone, Chat.
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.
OneFamily
OneFamily suits UK parents saving for a child in a Lifetime ISA or Junior ISA, with a minimum deposit of £25 and a low entry point. It is a focused family provider rather than a general investing platform, and a government withdrawal charge makes early access expensive.
Score breakdown
| Area | Moneyfarm | OneFamily |
|---|---|---|
| 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. | 8.8Low entry cost with a minimum deposit of £25, but the government withdrawal charge on non-qualifying withdrawals adds a real cost. |
| Offer | 9.7Higher | 8.9 |
| Trust | 8.7Higher | 8.6 |
Positions in our rankings
| Ranking | Moneyfarm | OneFamily |
|---|---|---|
| Stock and ETF brokers | 110 of 490 | 190 of 490 |
| Investment platforms and apps | 24 of 85 | 42 of 85 |
| Junior ISA providers | 3 of 14 | 9 of 14 |
What each covers
| Markets | Moneyfarm | OneFamily |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | No |
| Bonds | Yes | No |
| Funds | Yes | Yes |
| Account types | Moneyfarm | OneFamily |
|---|---|---|
| ISA | Yes | No |
| SIPP | Yes | No |
| Lisa | No | Yes |
| Jisa | No | Yes |
Where each is licensed and available
| Country | Moneyfarm | OneFamily |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 |
Available in 1 country for both.
Sources behind this comparison
Moneyfarm
- moneyfarm.com: 10 facts, checked September 26, 2026
OneFamily
- onefamily.com: 8 facts, checked September 26, 2026
Every fact side by side
| Fact | Moneyfarm | OneFamily |
|---|---|---|
| Legal entity | MFM Investment Ltd | Family Assurance Friendly Society Limited |
| Headquarters | United Kingdom | Not confirmed |
| Support channels | Email, Phone, Help centre, ChatCovers more | Help centre, Email |
Where each stands against the rest
| Fact | Moneyfarm | OneFamily | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £25at the median | £25 |
| Stock trade fee | £3.95highest quarter | Not confirmed | £0 |
| Currency conversion fee | 0.7%above the median | Not confirmed | 0.4% |
Median across 25 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%.
OneFamily
Pros
- Minimum deposit of £25 keeps starting small easy for family saving
- You can hold stocks and funds in the account, so a child account can be invested rather than only held in cash
- Regulated by the Financial Conduct Authority (FCA) in the UK
Cons
- Deposit and withdrawal fees run a government withdrawal charge of a share of the pot on non-qualifying withdrawals, so money taken out early is reduced
- Support runs on help centre and email only, with no phone or live chat route listed
- The account list is lisa and jisa, so there is no general investing or pension account here
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.
OneFamily
Who it suits
- Parents building a tax-free pot for a child through a Lifetime ISA
- Parents saving for a child too young to hold an adult account, using a Junior ISA
- Investors who want an FCA-authorised provider behind a small minimum deposit
Who should look elsewhere
- Anyone who may need the money before the account matures, because a government withdrawal charge applies
- Adults wanting a general investing platform, where eToro covers stocks, etfs and forex
- Investors who want to start with no opening payment, since CFI asks for $0 and Vantage for $5
Country by country
| Country | Moneyfarm | OneFamily |
|---|---|---|
| United Kingdom | Yes | Yes |
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.
OneFamily
What is the minimum deposit with OneFamily?+
The minimum deposit is £25, which sits below the site median of €4.64. That keeps it open to families saving modest monthly amounts for a child, rather than demanding a large opening payment before you can begin.
Can I take money out of a OneFamily Lifetime ISA early?+
A government withdrawal charge applies to non-qualifying withdrawals, so any early access reduces the balance. The accounts offered are lisa and jisa, and both are built to be held until the child reaches adulthood, so plan around that rather than treating the pot as spendable.