Updated September 29, 2026 · BrokerCue Editorial Team
Moneyfarm vs Scalable Capital
Moneyfarm vs Scalable Capital: the differences
| Compare |  Moneyfarm |  Scalable Capital |
|---|---|---|
| Management fee | 0.1% to 0.45%Lower | 0.245% to 0.375% |
| Minimum investment | £500 | €20 |
| Regulators | Financial Conduct Authority | Federal Financial Supervisory Authority (BaFin) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, ESG |
| Account types | ISA, SIPP | Not confirmed |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 9.0.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Scalable Capital offers Federal Financial Supervisory Authority (BaFin).
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.245% to 0.375%.
- Portfolio types: only Moneyfarm offers Cash, 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.
Scalable Capital
Scalable Capital suits investors who want to start small and later hand a pot of money to a managed portfolio. The self-directed account takes a minimum deposit of €1, while the managed plan starts from €20 with fees of 0.245% to 0.375% a year.
Score breakdown
| Area | Moneyfarm | Scalable Capital |
|---|---|---|
| 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. | 9.3Higher |
| Offer | 9.7Higher | 9.3Cash interest of 2.6%, a mobile app, and managed portfolios across etf and esg options. |
| Trust | 8.7Higher | 8.6 |
Availability and regulation
| Country | Moneyfarm | Scalable Capital |
|---|---|---|
| Germany | Not confirmed | Federal Financial Supervisory Authority (BaFin) MiCA CASP 391200Y3EUNL4LTXRP94 |
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
Ranges side by side
| Fact | Moneyfarm | Scalable Capital |
|---|---|---|
| Management fee | 0.1% to 0.45% | 0.245% to 0.375% |
How they place
| Ranking | Moneyfarm | Scalable Capital |
|---|---|---|
| Stock and ETF brokers | 119 of 471 | 147 of 471 |
| Robo-advisors | 43 of 151 | 56 of 151 |
Also worth a look
eToro has management fee at 0%, against 0.1% to 0.45% for Moneyfarm and 0.245% to 0.375% for Scalable Capital.
eToro reviewWhere these facts come from
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Scalable Capital
- scalable.capital: 5 facts, checked September 26, 2026
- esma.europa.eu: 4 facts, checked September 26, 2026
Every fact side by side
| Fact | Moneyfarm | Scalable Capital |
|---|---|---|
| Legal entity | MFM Investment Ltd | Scalable Capital Bank GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 2014 |
| Support channels | Email, Phone, Help centre, Chat | Phone, Chat, Email, Help centre |
Brokers
| Fact | Moneyfarm | Scalable Capital |
|---|---|---|
| Minimum deposit | Not confirmed | €1 |
| Stock trade fee | £3.95 | Not confirmed |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Crypto |
| Features | Not confirmed | Mobile app |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Interest on cash | Not confirmed | 2.6% |
Where each stands against the rest
| Fact | Moneyfarm | Scalable Capital | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0.245% to 0.375%below the median | 0.35 |
Median across 87 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%.
Scalable Capital
Pros
- A low entry point of €1 on the self-directed account
- Managed portfolios start from €20 with fees of 0.245% to 0.375%
- Regulated by the Federal Financial Supervisory Authority (BaFin) and deposits sit under EU ICS up to EUR 20,000
Cons
- Managed fees of 0.245% to 0.375% a year sit above the cheapest managed rivals
- Support runs on phone, chat and email only, with no branch or in-person service
- Managed portfolios are limited to etf and esg options, so there is no custom mandate
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.
Scalable Capital
Who it suits
- New investors who want to build a portfolio in a mobile app from a small first deposit
- Savers with a lump sum who want a ready made ETF or ESG portfolio
- Investors who care more about a named regulator and deposit protection than the lowest management fee
Who should look elsewhere
- You want a wider choice of instruments, as stocks, etfs and crypto is a single market cluster rather than a full exchange list
- You need advice built around you, because managed portfolios cover only etf and esg options
- You are comparing the very lowest managed fee, since 0.245% to 0.375% is not the cheapest on the market
Country by country
| Country | Moneyfarm | Scalable Capital |
|---|---|---|
| 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.
Scalable Capital
What is the minimum deposit to start investing?+
The self-directed account takes a minimum deposit of €1, so you can open and fund it from a small amount. That entry point is well below the typical requirement, which is one of the reasons people try the app first. You can add to it as your savings grow.
How much does the managed portfolio cost?+
Management fees run at 0.245% to 0.375% a year on the managed side, charged on the portfolio rather than per trade. That sits above the cheapest managed plans elsewhere, so it pays to compare before committing a large lump sum. Smaller pots feel the percentage more.
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