Updated September 29, 2026 · BrokerCue Editorial Team
Moneyfarm vs XTB
Where Moneyfarm and XTB differ
| Compare |  Moneyfarm |  XTB |
|---|---|---|
| Stock trade fee | £3.95 | €0 |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Forex, CFDs, Crypto |
| Regulators | Financial Conduct Authority | Cyprus Securities and Exchange Commission (CySEC), FCA, KNF |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Currency conversion fee | 0.7% | 0.5%Lower |
| Deposit and withdrawal fees | Free deposits and withdrawals | Free deposits; free withdrawals above 100 EUR/USD |
| Minimum deposit | Not confirmed | €0 |
| Account fee | Not confirmed | €0 |
| Inactivity fee | Not confirmed | €10 |
| Retail accounts that lose money | Not confirmed | 77% |
| Platforms | Not confirmed | XStation 5, XStation Mobile |
| Account types | ISA, SIPP | Not confirmed |
| Maximum retail leverage | Not confirmed | 1:30 |
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Key differences
- XTB scores higher overall: 9.3 vs 9.1.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only XTB offers Cyprus Securities and Exchange Commission (CySEC), FCA, KNF.
- XTB is licensed in 2 more countries.
- Currency conversion fee is lower at XTB: 0.5% vs 0.7%.
- Markets: only Moneyfarm offers Bonds, Funds.
- Markets: only XTB offers Forex, CFDs, Crypto.
- Support channels: only Moneyfarm offers Help centre.
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.
XTB
XTB suits retail traders who want to hold stocks, ETFs, forex, CFDs and crypto under one Cyprus-based account without a monthly charge. The account fee is €0, deposits cost nothing, and CySEC, FCA and KNF authorisations sit behind a legal entity founded in 2002.
Score breakdown
| Area | Moneyfarm | XTB |
|---|---|---|
| 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 | 9.3 |
| Trust | 8.7 | 9.6Higher |
Positions in our rankings
| Ranking | Moneyfarm | XTB |
|---|---|---|
| Stock and ETF brokers | 119 of 471 | 3 of 471 |
Which one suits you
Pick Moneyfarm if offer matter most.
Pick XTB if trust and currency conversion fee matter most.
Every fact side by side
| Fact | Moneyfarm | XTB |
|---|---|---|
| Features | Not confirmed | Demo account, Mobile app, Crypto |
| Pricing model | Not confirmed | Commission free, Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | MFM Investment Ltd | XTB Limited |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2002 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Chat, Phone |
Where each stands against the rest
| Fact | Moneyfarm | XTB | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | €0below the median | €1 |
| Account fee | Not confirmed | €0at the median | €0 |
| Inactivity fee | Not confirmed | €10above the median | €2.45 |
| Retail accounts that lose money | Not confirmed | 77%highest quarter | 72.05% |
| Currency conversion fee | 0.7%highest quarter | 0.5%above the median | 0.45% |
Median across 52 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%.
XTB
Pros
- Account fee of €0 on the standard account, and stock trades cost €0.
- Minimum deposit of €0, so the account opens without a funding floor.
- Regulated by CySEC, the FCA and KNF across Cyprus, the UK and Poland.
Cons
- An inactivity fee of €10 applies, unlike eToro, which has no such charge.
- Forex and CFD trading is not cost free: fx trading costs 0.5%.
- CFDs carry a high proportion of losing retail accounts, and XTB's own figure is 77%.
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.
XTB
Who it suits
- Retail traders in the UK and Europe who want stocks, ETFs, forex, CFDs and crypto in one account
- Beginners who want a demo account and a mobile app before committing money
- Cost conscious traders who will not hold a balance large enough to trigger the inactivity fee
Who should look elsewhere
- Vantage, if a small minimum deposit of $5 suits a smaller starting balance better
- CFI, for traders who want forex and CFDs without paying an fx charge of 0.5%
- Anyone who plans to hold an idle balance for a long period, given the inactivity fee of €10
Country by country
| Country | Moneyfarm | XTB |
|---|---|---|
| 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.
XTB
What does XTB charge to open and hold an account?+
The account fee is €0, so there is no monthly or annual cost to keeping the account open. A stock trade costs €0 on the same account. The only recurring charge to watch is an inactivity fee of €10 for traders whose balance sits idle.
Is there a minimum deposit at XTB?+
The minimum deposit is €0, which means the account can be opened and funded with a small amount. It is a lower floor than the $5 asked by Vantage, so it suits a trader testing the platform before scaling up.
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