Updated September 28, 2026 · BrokerCue Editorial Team
Moneyfarm vs Police Friendly
Moneyfarm vs Police Friendly: the differences
| Compare |  Moneyfarm |  Police Friendly |
|---|---|---|
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority / Prudential Regulation Authority |
| Deposit and withdrawal fees | Free deposits and withdrawals | 25% government charge on non-qualifying withdrawals |
| Account types | ISA, SIPP | ISA, Lisa, Jisa |
| Minimum deposit | Not confirmed | £50 |
| 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 9.0.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Markets: only Moneyfarm offers ETFs, Bonds.
- Account types: only Moneyfarm offers SIPP.
- Account types: only Police Friendly offers Lisa, Jisa.
- Support channels: only Moneyfarm offers Help centre, 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.
Police Friendly
Police Friendly is a UK friendly society for long-term savers, not active traders, offering ISA, Lifetime ISA and Junior ISA accounts with a minimum deposit of £50. Regulated in the UK and backed by FSCS up to GBP 85,000, it fits households saving steadily for a home or a child's future.
Score breakdown
| Area | Moneyfarm | Police Friendly |
|---|---|---|
| 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. | 8.6Low entry at £50 on isa, lisa and jisa accounts, offset by a charge on non-qualifying withdrawals. |
| Offer | 9.7Higher | 9.1 |
| Trust | 8.7 | 9.2Higher |
Licences and countries
| Country | Moneyfarm | Police Friendly |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 |
Available in 1 country for both.
Where they rank in our lists
| Ranking | Moneyfarm | Police Friendly |
|---|---|---|
| Stock and ETF brokers | 110 of 490 | 138 of 490 |
| Investment platforms and apps | 24 of 85 | 29 of 85 |
| Stocks and shares ISA providers | 4 of 21 | 5 of 21 |
| Junior ISA providers | 3 of 14 | 4 of 14 |
Every fact side by side
| Fact | Moneyfarm | Police Friendly |
|---|---|---|
| Legal entity | MFM Investment Ltd | Metropolitan Police Friendly Society Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 1893 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Phone |
Where each stands against the rest
| Fact | Moneyfarm | Police Friendly | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £50above 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%.
Police Friendly
Pros
- A minimum deposit of £50 makes the entry point manageable for steady savers.
- All three wrappers, isa, lisa and jisa, sit with one provider.
- Members are covered by FSCS up to GBP 85,000 if the firm fails.
Cons
- A government charge cuts non-qualifying withdrawals, which limits access before the account matures.
- The investment range is limited to stocks and funds, with no wider market for ISA money.
- The £50 minimum deposit runs ahead of CFI at $0 and Vantage at $5.
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.
Police Friendly
Who it suits
- UK savers who want ISA, Lifetime ISA and Junior ISA accounts under one roof.
- Police service members and their families, drawn to a provider run as Metropolitan Police Friendly Society Limited.
- Long-term investors content with a stocks and funds range and no trading tools.
Who should look elsewhere
- Traders after a wide market range: eToro covers stocks, etfs and forex.
- Anyone starting with the smallest possible deposit: CFI takes $0 and Vantage $5.
- Shoppers who judge cost by the entry deposit alone, since £50 sits above CFI at $0.
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Country by country
| Country | Moneyfarm | Police Friendly |
|---|---|---|
| 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.
Police Friendly
How much do I need to open an account?+
The minimum deposit is £50, which is more than some rivals ask at the start. CFI opens at $0 and Vantage at $5, so Police Friendly suits savers who can commit a modest sum each month rather than the smallest possible stake.
Is my money protected if the provider fails?+
Investors are covered by FSCS up to GBP 85,000 under the UK compensation scheme, and the firm is authorised under the reference 110026. The regulator named is Financial Conduct Authority / Prudential Regulation Authority, which supervises both conduct and prudential standards.