Updated September 29, 2026 · BrokerCue Editorial Team
Moneyfarm vs Trading 212
Where Moneyfarm and Trading 212 differ
| Compare |  Moneyfarm | Trading 212 ReviewSee alternativesSee alternatives |
|---|---|---|
| Stock trade fee | £3.95 | £0Lower |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Forex, CFDs |
| Regulators | Financial Conduct Authority | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC)Covers more |
| Account types | ISA, SIPP | ISA, SIPP, JointCovers more |
| Minimum deposit | Not confirmed | £1 |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
Same on both: Investor protection (FSCS up to GBP 85,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Trading 212 scores higher overall: 9.3 vs 9.1.
- Regulators: only Trading 212 offers Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Trading 212 is licensed in 1 more country.
- Stock trade fee is lower at Trading 212: £0 vs £3.95.
- Markets: only Moneyfarm offers Bonds, Funds.
- Markets: only Trading 212 offers Forex, CFDs.
- Account types: only Trading 212 offers Joint.
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.
Trading 212
Trading 212 suits UK and European beginners who want flat costs: a stock trade fee of £0, an account fee of £0 and an ISA, SIPP and joint account. Forex and CFDs share the same menu, so the easy entry is the reason to look closer, not to trade heavily.
Score breakdown
| Area | Moneyfarm | Trading 212 |
|---|---|---|
| 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. | 9.3HigherCharges sit at the floor: £0 on a trade, £0 on the account, £0 when idle. |
| Offer | 9.7Higher | 9.2 |
| Trust | 8.7 | 9.5Higher |
What each covers
| Markets | Moneyfarm | Trading 212 |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Forex | No | Yes |
| CFDs | No | Yes |
| Bonds | Yes | No |
| Funds | Yes | No |
| Account types | Moneyfarm | Trading 212 |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Joint | No | Yes |
Where each is licensed and available
| Country | Moneyfarm | Trading 212 |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
Where they rank in our lists
| Ranking | Moneyfarm | Trading 212 |
|---|---|---|
| Stock and ETF brokers | 110 of 490 | 74 of 490 |
| Investment platforms and apps | 24 of 85 | 18 of 85 |
| Stocks and shares ISA providers | 4 of 21 | 2 of 21 |
| SIPP providers | 4 of 22 | 2 of 22 |
Every fact side by side
| Fact | Moneyfarm | Trading 212 |
|---|---|---|
| Features | Not confirmed | Fractional shares, Demo account, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | MFM Investment Ltd | Trading 212 Markets Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2006 |
| Support channels | Email, Phone, Help centre, Chat | Not confirmed |
Where each stands against the rest
| Fact | Moneyfarm | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £1lowest quarter | £25 |
| Stock trade fee | £3.95highest quarter | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £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%.
Trading 212
Pros
- Nothing to pay for holding or for going quiet: the account fee reads £0 and the inactivity fee reads £0.
- Trading shares costs £0, the same stock trade fee eToro lists at $0, so the trade price is not the reason to move.
- The entry of £1 sits under the $5 Vantage asks for, which matters for a first transfer.
Cons
- The market list pairs shares and ETFs with forex and CFDs in stocks, etfs and forex, so a platform aimed at beginners, beginners, also carries leveraged products.
- The fee sheet is the easy part: retail accounts lose money at 70.15% across the brokers compared, and a £0 trade cost does not remove that risk.
- The money side runs through Trading 212 Markets Ltd in Cyprus, registered with the Cyprus Securities and Exchange Commission as MiCA CASP 21380045KC28948FNE32, so a UK saver is dealing with a Cyprus entity alongside the UK one.
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.
Trading 212
Who it suits
- Beginners and small regular investors who want a low bar to entry, since the minimum deposit is £1 and the app and demo account in fractional shares, demo account and mobile app support a cautious start.
- UK and European savers who care about holding cost, because the account fee of £0 and the inactivity fee of £0 leave the account free to sit and free to open.
- Savers who want a tax-wrapped and shared holding together, since isa, sipp and joint covers an ISA, a SIPP and a joint account under one provider.
Who should look elsewhere
- Not for forex and CFD traders who want a deeper market list: Trading 212 stops at stocks, etfs and forex, while eToro and Vantage cover more of the leveraged side.
- Not for anyone who needs a no-cost opening: CFI takes a minimum deposit of $0 against the £1 asked here.
- Not for savers who want a bigger spread of wrappers: the account range is listed as isa, sipp and joint, which does not stretch to every tax-sheltered account type.
Country by country
| Country | Moneyfarm | Trading 212 |
|---|---|---|
| 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.
Trading 212
What is the minimum deposit to open a Trading 212 account?+
The published minimum deposit is £1, low enough to open and fund in one step. That entry sits under the €4.64 level seen across the brokers compared here, and under the $5 Vantage asks for, so a small first transfer is enough to get going.
Does Trading 212 charge for keeping an account open or leaving it idle?+
The account fee reads £0 and the inactivity fee reads £0, so neither holding the account nor letting it sit dormant is billed on the published sheet. The €10 inactivity level across the brokers compared sits well above that floor, which is where dormant-account charges usually show up.