Updated September 28, 2026 · BrokerCue Editorial Team
Moneyfarm vs Plum
Where Moneyfarm and Plum differ
| Compare |  Moneyfarm |  Plum |
|---|---|---|
| Management fee | 0.1% to 0.45%Lower | 0.15% to 0.6% |
| Minimum investment | £500 | £1Lower |
| Account types | ISA, SIPP | ISA, SIPP, LisaCovers more |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.9.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.15% to 0.6%.
- Minimum investment is lower at Plum: £1 vs £500.
- Account types: only Plum offers Lisa.
- Portfolio types: only Moneyfarm offers ESG, Crypto.
- 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.
Plum
Plum is a UK app aimed at beginners who want to start small and pay nothing to hold or trade. Stocks, ETFs and funds sit behind fractional shares, the account fee is £0 and the minimum deposit is £2, so small amounts can be put to work in a SIPP, ISA or LISA.
Score breakdown
| Area | Moneyfarm | Plum |
|---|---|---|
| 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. | 9.3HigherStock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. |
| Offer | 9.7Higher | 8.9 |
| Trust | 8.7Higher | 8.5 |
Positions in our rankings
| Ranking | Moneyfarm | Plum |
|---|---|---|
| Stock and ETF brokers | 110 of 490 | 160 of 490 |
| Investment platforms and apps | 24 of 85 | 33 of 85 |
| Robo-advisors | 42 of 153 | 66 of 153 |
| Stocks and shares ISA providers | 4 of 21 | 7 of 21 |
| SIPP providers | 4 of 22 | 6 of 22 |
Licences and countries
| Country | Moneyfarm | Plum |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
From lowest to highest
| Fact | Moneyfarm | Plum |
|---|---|---|
| Management fee | 0.1% to 0.45% | 0.15% to 0.6% |
Where these facts come from
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Plum
- withplum.com: 7 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
- help.withplum.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Moneyfarm | Plum |
|---|---|---|
| Legal entity | MFM Investment Ltd | Plum Fintech Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Help centre |
Brokers
| Fact | Moneyfarm | Plum |
|---|---|---|
| Minimum deposit | Not confirmed | £2 |
| Stock trade fee | £3.95 | £0Lower |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, ETFs, Funds |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Mobile app |
Where each stands against the rest
| Fact | Moneyfarm | Plum | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0.15% to 0.6%lowest quarter | 0.35 |
| Minimum investment | £500above the median | £1below the median | £100 |
Median across 67 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%.
Plum
Pros
- Stock trades cost £0 and the account fee is £0, so holding and dealing carry no charge.
- The account opens from £2 and the smallest investment is £1, which suits small regular amounts.
- Fractional shares on a Mobile app let a small sum hold part of a share rather than a whole one.
Cons
- Support runs on email and help centre only, so an urgent question waits for a written answer.
- The market list is stocks, etfs and funds and portfolio types run to etf and cash, so the account is narrow beside a full trading platform.
- The minimum deposit of £2 ranks 89 of 213, and CFI lists a minimum deposit of $0.
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.
Plum
Who it suits
- Beginners who want a SIPP, ISA or LISA going from a first deposit of £2.
- Investors who want to pick their own shares and are content with portfolio types of etf and cash.
- Readers who care most about the cost of a trade, since dealing is £0 and the account fee is £0.
Who should look elsewhere
- Anyone wanting a lower floor than the £2 minimum, since CFI lists a minimum deposit of $0.
- Readers comparing purely on dealing costs, since eToro also charges $0 for a stock trade.
- People who want to fund from a higher starting amount: Vantage lists a minimum deposit of $5.
Country by country
| Country | Moneyfarm | Plum |
|---|---|---|
| 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.
Plum
How much does it cost to use Plum?+
Stock trades cost £0 and the account fee is £0, so there is no dealing charge and no annual subscription to pay. The cost that can appear is the management fee of 0.15% to 0.6% on portfolios, which applies to the managed side rather than to every account. On the cost of holding and dealing, Plum sits at the cheap end of the field.
Is Plum regulated, and is my money protected?+
Plum is regulated by the Financial Conduct Authority, and the account is held with Plum Fintech Limited. The stated investor protection is FSCS up to GBP 85,000, which is the compensation available if the firm cannot pay a valid claim. That is the standard UK arrangement for a firm holding investments, and it is the part to check before depositing.