Updated September 29, 2026 · BrokerCue Editorial Team
moomoo vs Plum
Where moomoo and Plum differ
| Compare |  moomoo |  Plum |
|---|---|---|
| Stock trade fee | $0 | £0 |
| Account fee | $0 | £0 |
| Markets | Stocks, ETFs, Options, Crypto | Stocks, ETFs, Funds |
| Regulators | SIPC | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Platforms | Moomoo app, Moomoo Desktop | Mobile app |
| Minimum deposit | Not confirmed | £2 |
| Options contract fee | $0 | Not confirmed |
| Account types | Not confirmed | ISA, SIPP, Lisa |
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Key differences
- moomoo scores higher overall: 9.1 vs 8.9.
- Regulators: only moomoo offers SIPC.
- Regulators: only Plum offers Financial Conduct Authority.
- Markets: only moomoo offers Options, Crypto.
- Markets: only Plum offers Funds.
- Platforms: only moomoo offers Moomoo app, Moomoo Desktop.
- Platforms: only Plum offers Mobile app.
- Support channels: only moomoo offers Phone.
- Features: only moomoo offers Crypto, Demo account, Options.
Our verdict on each
moomoo
moomoo suits retail investors who want to trade stocks, ETFs, options and crypto without paying a commission on each trade, and who are comfortable holding a US SIPC member account. Its BrokerCue score is 7.5, and the appeal rests on cost rather than on the size of the market list.
Plum
Plum is a UK app aimed at beginners who want to start small and pay nothing to hold or trade. Stocks, ETFs and funds sit behind fractional shares, the account fee is £0 and the minimum deposit is £2, so small amounts can be put to work in a SIPP, ISA or LISA.
Score breakdown
| Area | moomoo | Plum |
|---|---|---|
| Cost | 9.5HigherEvery listed charge sits at $0 for stocks, $0 for options and $0 for the account. | 9.3Stock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. |
| Offer | 9.1Higher | 8.9 |
| Trust | 8.6Higher | 8.5 |
Feature by feature
| Markets | moomoo | Plum |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Options | Yes | No |
| Crypto | Yes | No |
| Funds | No | Yes |
Licences and countries
| Country | moomoo | Plum |
|---|---|---|
| United States | SIPC SIPC member 69739 | Not confirmed |
Where they rank in our lists
| Ranking | moomoo | Plum |
|---|---|---|
| Stock and ETF brokers | 22 of 471 | 168 of 471 |
Sources behind this comparison
moomoo
- moomoo.com: 8 facts, checked September 26, 2026
- sipc.org: 3 facts, checked September 26, 2026
Plum
- withplum.com: 10 facts, checked September 26, 2026
- finextra.com: 3 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 2 facts, checked September 26, 2026
Every fact side by side
| Fact | moomoo | Plum |
|---|---|---|
| Features | Crypto, Demo account, Fractional shares, Options, Mobile appCovers more | Fractional shares, Mobile app |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | MOOMOO FINANCIAL INC | Plum Fintech Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Email, Phone, Help centreCovers more | Email, Help centre |
Robo-advisors
| Fact | moomoo | Plum |
|---|---|---|
| Management fee | Not confirmed | 0.15% to 0.6% |
| Minimum investment | Not confirmed | £1 |
| Portfolio types | Not confirmed | ETF, Cash |
Where each stands against the rest
| Fact | moomoo | Plum | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £2below the median | £20 |
| Options contract fee | $0lowest quarter | Not confirmed | $0.625 |
Median across 38 listed brokers.
Pros and cons
moomoo
Pros
- A stock trade costs $0 and an options contract costs $0, and the pricing model is commission-free.
- The account fee is $0, so an account left open costs nothing to hold.
- crypto, demo account and fractional shares covers fractional shares, a demo account, options, crypto and a mobile app, which suits smaller sums and practice trades.
Cons
- The market list is narrower than eToro's, which covers stocks, etfs and forex, while moomoo's own list is stocks, etfs and options.
- Support runs on email, phone and help centre only, so there is no live chat listed for questions raised during a trading session.
- Protection rests on a single scheme, SIPC up to USD 500,000, and SIPC names a single body, so there is no second cover behind it.
Plum
Pros
- Stock trades cost £0 and the account fee is £0, so holding and dealing carry no charge.
- The account opens from £2 and the smallest investment is £1, which suits small regular amounts.
- Fractional shares on a Mobile app let a small sum hold part of a share rather than a whole one.
Cons
- Support runs on email and help centre only, so an urgent question waits for a written answer.
- The market list is stocks, etfs and funds and portfolio types run to etf and cash, so the account is narrow beside a full trading platform.
- The minimum deposit of £2 ranks 89 of 213, and CFI lists a minimum deposit of $0.
Who each suits
moomoo
Who it suits
- Investors who want shares, ETFs, options and crypto on one commission-free account, since stocks, etfs and options covers all four.
- Smaller-sum investors who want fractional shares and a demo account, both named in crypto, demo account and fractional shares.
- Readers comfortable with a US SIPC member arrangement, given SIPC up to USD 500,000 and SIPC member 69739.
Who should look elsewhere
- Anyone who wants forex, contracts for difference, metals or futures in the same account: eToro covers stocks, etfs and forex.
- Readers who want metals alongside shares, ETFs and crypto: Vantage covers forex, cfds and stocks, while moomoo's list is stocks, etfs and options.
Plum
Who it suits
- Beginners who want a SIPP, ISA or LISA going from a first deposit of £2.
- Investors who want to pick their own shares and are content with portfolio types of etf and cash.
- Readers who care most about the cost of a trade, since dealing is £0 and the account fee is £0.
Who should look elsewhere
- Anyone wanting a lower floor than the £2 minimum, since CFI lists a minimum deposit of $0.
- Readers comparing purely on dealing costs, since eToro also charges $0 for a stock trade.
- People who want to fund from a higher starting amount: Vantage lists a minimum deposit of $5.
Current offers
moomoo
Current offer
Bonus
Welcome Bonus
Source, checked September 26, 2026
Questions about each
moomoo
What does moomoo charge to trade stocks and options?+
On the commission-free account, the stock trade fee is $0 and the options contract fee is $0. The account fee is $0, so nothing is charged to keep the account open. Those figures are the whole cost side of the offer, and they apply to the same account rather than to a paid tier.
What does a commission-free account mean for the cost of a trade?+
The pricing model is commission-free, so a stock trade is charged at $0 rather than a percentage of the order, and an options contract at $0. Removing commission does not change the price at which an order is filled, so the buy and sell prices still matter as much as the fee line.
Plum
How much does it cost to use Plum?+
Stock trades cost £0 and the account fee is £0, so there is no dealing charge and no annual subscription to pay. The cost that can appear is the management fee of 0.15% to 0.6% on portfolios, which applies to the managed side rather than to every account. On the cost of holding and dealing, Plum sits at the cheap end of the field.
Is Plum regulated, and is my money protected?+
Plum is regulated by the Financial Conduct Authority, and the account is held with Plum Fintech Limited. The stated investor protection is FSCS up to GBP 85,000, which is the compensation available if the firm cannot pay a valid claim. That is the standard UK arrangement for a firm holding investments, and it is the part to check before depositing.