Updated September 28, 2026 · BrokerCue Editorial Team
Moneyfarm vs Whitebox
Where Moneyfarm and Whitebox differ
| Compare |  Moneyfarm |  Whitebox |
|---|---|---|
| Management fee | 0.1% to 0.45%Lower | 0.35% to 0.95% |
| Regulators | Financial Conduct Authority | Bundesanstalt fuer Finanzdienstleistungsaufsicht (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, Cash |
| Minimum investment | £500 | Not confirmed |
| Account types | ISA, SIPP | Not confirmed |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.9.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Whitebox offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin).
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.35% to 0.95%.
- Portfolio types: only Moneyfarm offers Crypto.
- Support channels: only Moneyfarm offers 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.
Whitebox
Whitebox is a German robo-advisor for investors who want portfolios built from ETFs and want the fee and the entry amount settled up front: a deposit of €25 and fees of 0.35% to 0.95%. It is supervised by the Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) with deposits covered by EU ICS up to EUR 20,000.
Score breakdown
| Area | Moneyfarm | Whitebox |
|---|---|---|
| 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. | 9.1 |
| Offer | 9.7Higher | 9.2 |
| Trust | 8.7 | 8.7 |
Side by side, item by item
| Portfolio types | Moneyfarm | Whitebox |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | Yes |
| Cash | Yes | Yes |
| Crypto | Yes | No |
Availability and regulation
| Country | Moneyfarm | Whitebox |
|---|---|---|
| Germany | Not confirmed | |
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
Additional countries for Moneyfarm: 1. Additional countries for Whitebox: 1.
A third option
eToro has management fee at 0%, against 0.1% to 0.45% for Moneyfarm and 0.35% to 0.95% for Whitebox.
eToro reviewSources behind this comparison
Moneyfarm
- moneyfarm.com: 9 facts, checked September 26, 2026
Whitebox
- whitebox.eu: 8 facts, checked September 26, 2026
How they place
| Ranking | Moneyfarm | Whitebox |
|---|---|---|
| Stock and ETF brokers | 119 of 471 | 170 of 471 |
| Robo-advisors | 43 of 151 | 68 of 151 |
Every fact side by side
| Fact | Moneyfarm | Whitebox |
|---|---|---|
| Legal entity | MFM Investment Ltd | Whitebox GmbH |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 2016 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Phone, Help centre |
Brokers
| Fact | Moneyfarm | Whitebox |
|---|---|---|
| Minimum deposit | Not confirmed | €25 |
| Stock trade fee | £3.95 | Not confirmed |
| Account fee | Not confirmed | €0.35 to €0.95 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | ETFs |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
Where each stands against the rest
| Fact | Moneyfarm | Whitebox | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0.35% to 0.95%at the median | 0.35 |
| Minimum investment | £500above the median | Not confirmed | £50 |
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%.
Whitebox
Pros
- Fees of 0.35% to 0.95% sit below the robo-advisor median, which is 0.35%.
- The account opens at €25, so a small starting sum is enough to be invested.
- Portfolio types of etf, esg and cash give a standard, ESG and cash route through the same account.
Cons
- Only etfs are covered, so there are no individual shares or wider markets to trade.
- The charge is quoted as a range, 0.35% to 0.95%, so the top of that range costs more than the bottom for the same service.
- Support runs on email, phone and help centre, with no live chat among the channels.
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.
Whitebox
Who it suits
- Euro-area investors who want a locally regulated firm choosing and rebalancing the portfolio for them.
- First-time investors who would rather hold a set ETF strategy than choose funds themselves.
- Investors who want ESG and cash options alongside a standard ETF plan, covered by etf, esg and cash.
Who should look elsewhere
- eToro, for a management fee of 0% and a wider choice of markets to trade.
- Axos Invest, for readers who would rather hold their money under SIPC.
- Vivid Standard, for business plans where fees run 0.5% to 1.5%, above 0.35% to 0.95%.
Country by country
| Country | Moneyfarm | Whitebox |
|---|---|---|
| Germany | No | Yes |
| 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.
Whitebox
What does Whitebox charge to manage my money?+
The fee is 0.35% to 0.95%, charged as the management fee, and the same figure is listed as the account fee of €0.35 to €0.95. Because it is a range, the plan you pick sets where you land inside it. It is the ongoing cost of the managed portfolio, not a one-off charge.
How much money do I need to open an account?+
The minimum deposit is €25, a small entry point for a managed portfolio. The robo-advisor median for a minimum investment is €60.06, so the bar sits toward the lower end of the category. Starting small is realistic.
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