Updated October 13, 2026 · BrokerCue Editorial Team
Moneyfarm vs Wombat Invest
Facts checked September 26, 2026.
What sets them apart
| Compare |  Moneyfarm |  Wombat Invest |
|---|---|---|
| Stock trade fee | £3.95 | £0Lower |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, ETFs |
| Currency conversion fee | 0.7% | 0.4% to 0.75%Lower |
| Account types | ISA, SIPP | ISA, Jisa, SIPPCovers more |
| Minimum deposit | Not confirmed | £10 |
| Regulators | Financial Conduct Authority | Not confirmed |
| Investor protection | FSCS up to GBP 85,000 | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Quilter Invest app |
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Key differences
- Stock trade fee is lower at Wombat Invest: £0 vs £3.95.
- Currency conversion fee is lower at Wombat Invest: 0.4% to 0.75% vs 0.7%.
- Markets: only Moneyfarm offers Bonds, Funds.
- Account types: only Wombat Invest offers Jisa.
- Support channels: only Moneyfarm offers Phone.
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.
Wombat Invest
Wombat Invest is a broker covering stocks and ETFs through a mobile app with fractional share access. It suits newcomers who want ISA, Junior ISA and SIPP account types and are comfortable managing a focused market range themselves for long term investing.
Score breakdown
| Area | Moneyfarm | Wombat Invest |
|---|---|---|
| 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 | 9.0 |
| Trust | 8.7Higher | 8.3 |
Choosing between them
Pick Moneyfarm if offer, trust, and markets matter most.
Pick Wombat Invest if stock trade fee, currency conversion fee, and account types matter most.
Where each is licensed and available
| Country | Moneyfarm | Wombat Invest |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
Positions in our rankings
| Ranking | Moneyfarm | Wombat Invest |
|---|---|---|
| Stock and ETF brokers | 119 of 491 | 487 of 491 |
| Investment platforms and apps | 25 of 86 | 85 of 86 |
| Stocks and shares ISA providers | 4 of 21 | 21 of 21 |
| SIPP providers | 4 of 22 | 22 of 22 |
| Junior ISA providers | 3 of 14 | 14 of 14 |
Every fact side by side
| Fact | Moneyfarm | Wombat Invest |
|---|---|---|
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | MFM Investment Ltd | NuWealth Ltd |
| Headquarters | United Kingdom | Not confirmed |
| Founded | Not confirmed | 2017 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Moneyfarm | Wombat Invest | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £10below the median | £20 |
| Stock trade fee | £3.95highest quarter | £0at the median | £0 |
| Currency conversion fee | 0.7%highest quarter | 0.4% to 0.75%below the median | 0.45% |
Median across 34 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%.
Wombat Invest
Pros
- Offers stocks and ETFs with fractional share access inside a mobile app
- Includes ISA, Junior ISA and SIPP account types for long term goals
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.
Wombat Invest
Who it suits
- Beginners focused on stocks and ETFs by mobile
- Savers planning around ISA, Junior ISA or SIPP wrappers
Country by country
| Country | Moneyfarm | Wombat Invest |
|---|---|---|
| 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.
Wombat Invest
What markets does Wombat Invest cover?+
Wombat Invest covers stocks and ETFs for retail investors. Access runs through a mobile app and includes fractional share positions. The range stays focused, so checking the available securities matters before choosing.
Which account types does Wombat Invest include?+
Wombat Invest includes ISA, Junior ISA and SIPP account types alongside its investment access. Each wrapper serves different long term aims and eligibility rules apply in practice. Reviewing the current account terms helps decide which structure matches household needs.