Updated September 28, 2026 · BrokerCue Editorial Team
Nutmeg vs Stash
Nutmeg vs Stash: the differences
| Compare |  Nutmeg |  Stash |
|---|---|---|
| Management fee | 0.25% to 0.75% | $108 to $144 |
| Minimum investment | £100 to £500 | $5 |
| Regulators | Financial Conduct Authority | SEC, FINRA |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Account types | ISA, SIPP | IRA, Roth IRA |
| Portfolio types | ETF, ESG, CashCovers more | ETF |
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Key differences
- Nutmeg scores higher overall: 9.2 vs 9.0.
- Regulators: only Nutmeg offers Financial Conduct Authority.
- Regulators: only Stash offers SEC, FINRA.
- Founded is lower at Nutmeg: 2012 vs 2015.
- Account types: only Nutmeg offers ISA, SIPP.
- Account types: only Stash offers IRA, Roth IRA.
- Portfolio types: only Nutmeg offers ESG, Cash.
- Support channels: only Nutmeg offers Email, Chat, Phone.
Our verdict on each
Nutmeg
Nutmeg suits UK investors who want a managed portfolio held in an ISA or SIPP rather than a self-directed dealing account. The cost of that convenience is a single management fee of 0.25% to 0.75%, with a £0 stock trade fee and FSCS protection of FSCS up to GBP 85,000 in place.
Stash
Stash suits US beginners who want a retirement pot built from a phone rather than a wide market. Trades cost $0 and the minimum deposit is free, but the account fee of $144 a year is the price of that simplicity.
Score breakdown
| Area | Nutmeg | Stash |
|---|---|---|
| Cost | 9.0Management fees of 0.25% to 0.75% run above the robo-adviser median of 0.35%, and the entry floor is high. | 9.1HigherA free minimum deposit and $0 trades rank 1 of 213 and 1 of 161, but the $144 account fee is the weight. |
| Offer | 9.6Higher | 8.8 |
| Trust | 9.1Higher | 9.0 |
Feature by feature
| Portfolio types | Nutmeg | Stash |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | No |
| Account types | Nutmeg | Stash |
|---|---|---|
| ISA | Yes | No |
| SIPP | Yes | No |
| IRA | No | Yes |
| Roth IRA | No | Yes |
Positions in our rankings
| Ranking | Nutmeg | Stash |
|---|---|---|
| Stock and ETF brokers | 101 of 471 | 148 of 471 |
| Investment platforms and apps | 21 of 86 | 31 of 86 |
| Robo-advisors | 32 of 151 | 57 of 151 |
Where these facts come from
Nutmeg
- nutmeg.com: 8 facts, checked September 26, 2026
- register.fca.org.uk: 2 facts, checked September 26, 2026
Stash
- stash.com: 10 facts, checked September 26, 2026
Every fact side by side
| Fact | Nutmeg | Stash |
|---|---|---|
| Legal entity | J.P. Morgan Personal Investing Limited | Stash Investments LLC |
| Headquarters | United Kingdom | United States |
| Founded | 2012Lower | 2015 |
| Support channels | Email, Chat, Phone, Help centreCovers more | Help centre |
Brokers
| Fact | Nutmeg | Stash |
|---|---|---|
| Minimum deposit | £500 | $0 |
| Stock trade fee | £0 | $0 |
| Account fee | Not confirmed | $144 |
| Markets | ETFs, Funds, Stocks, BondsCovers more | Stocks, ETFs |
| Features | Mobile app | Fractional shares, Mobile appCovers more |
| Pricing model | Commission free | Commission free |
| Audience | Not confirmed | Beginners |
| Deposit and withdrawal fees | no set-up, trading or exit fees | Not confirmed |
| Platforms | Web, Mobile app | Web, iOS, Android |
Pros and cons
Nutmeg
Pros
- One ongoing charge to read: management fees of 0.25% to 0.75%, with no set-up, trading or exit fees on top.
- Holdings span etfs, funds and stocks, so a managed basket can still cover a wide spread of asset types.
- Regulated by the Financial Conduct Authority, with FSCS protection of FSCS up to GBP 85,000 behind the account.
Cons
- Management fees of 0.25% to 0.75% sit above the robo-adviser median of 0.35%, and the cost rises as the balance grows.
- The opening deposit is £500 and later money goes in from £100 to £500, higher than the robo-adviser median of €60.06.
- The portfolio range is etf, esg and cash only, so there is no crypto or thematic option to tilt towards.
Stash
Pros
- Stock trades cost $0 and the model is commission-free, so small orders carry no per-trade charge.
- The portfolio option is an etf portfolio alongside ira and roth ira accounts, which keeps retirement saving in one place.
- Access runs through Web, iOS and Android, and fractional shares spread small contributions across holdings.
Cons
- The account fee of $144 a year leaves Stash at 134 of 138 brands on that measure, while eToro lists $0.
- Support runs on help centre only, so questions about a retirement account are left to articles.
- Trading is limited to stocks and etfs with an etf portfolio, so there is no forex, crypto or CFD route.
Who each suits
Nutmeg
Who it suits
- UK investors who want a managed portfolio inside an ISA or a SIPP and accept a single ongoing charge for the service.
- People who would rather not research individual funds, since the holdings run to etf, esg and cash approaches chosen and held for you.
- Investors who want a phone line as well as written support, since email, chat and phone includes phone, chat, email and a help centre.
Who should look elsewhere
- Anyone starting with a small first payment, since the £500 deposit is well above the robo-advisor lower quartile of €0, and Axos Invest begins at $100 in US dollars.
- Shoppers who want the lowest ongoing charge, since eToro runs a 0% management fee and Vivid Standard charges 0.5% to 1.5%, against Nutmeg's 0.25% to 0.75%.
- Investors who want accounts in US dollars, because Axos Invest takes $100 in dollars while Nutmeg's £100 to £500 sits in pounds.
Stash
Who it suits
- US beginners who want a retirement account, a phone app and a small starting amount rather than a wide market.
- Long-term savers content to hold stocks and etfs and an etf portfolio without picking markets themselves.
- Readers who weigh regulation first, since Stash is registered with SEC and FINRA in the US.
Who should look elsewhere
- Readers who want forex, crypto or CFDs, since CFI lists stocks, etfs and forex.
- Anyone put off by a yearly charge, as eToro lists $0 for its account.
- Readers who prefer a provider with a published entry figure, such as Vantage at $5, rather than a free minimum deposit.
Current offers
Nutmeg
Current offer
Bonus
Earn £100 when you invest £1,000: GBP 100 cash reward
Invest at least £1,000 in one payment into a General Investment Account, Stocks and Shares ISA, Lifetime ISA, Junior ISA or Personal Pension and keep it invested for at least 6 months; new contributions only, transfers excluded; reward paid as unallocated cash within 55 days; new clients only, cannot be combined with other new-client offers
Source, checked September 26, 2026
Stash
Current offer
Free trial
Try Stash for 7 days: 7-day trial
new Stash Plan subscriptions
Source, checked September 26, 2026
Country by country
| Country | Nutmeg | Stash |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
Nutmeg
What does Nutmeg charge to manage my money?+
The charge is a single management fee of 0.25% to 0.75%, which sits above the robo-adviser median of 0.35% in this group. There are no set-up, trading or exit fees to add on top. Money can go in from £100 to £500, so the cost is a percentage of what you hold rather than a price per deal.
How much do I need to open an account?+
The minimum deposit is £500, and once the account is open money can go in from £100 to £500. That first payment is the step most readers notice, and it sits above the lower quartile of €0 across robo-advisers here.
Stash
How much does Stash cost to run?+
Running the plan costs a management fee of $108 to $144 a year, and the account fee is $144. Stock trades cost $0 and the model is commission-free, so the charge sits with the subscription rather than the order. The site median account fee is €0, so Stash sits at the dear end of the table.
How much do I need to start?+
The minimum deposit is free, and the minimum investment is $5, so an account can be opened at a size that suits a monthly habit rather than a lump sum. Stash ranks 1 of 213 brands on this measure, against a site median of €4.64.
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