Updated September 28, 2026 · BrokerCue Editorial Team
OneFamily vs Plum
OneFamily vs Plum: the differences
| Compare |  OneFamily |  Plum |
|---|---|---|
| Minimum deposit | £25 | £2Lower |
| Markets | Stocks, Funds | Stocks, ETFs, FundsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Account types | Lisa, Jisa | ISA, SIPP, Lisa |
| Stock trade fee | Not confirmed | £0 |
| Account fee | Not confirmed | £0 |
| Deposit and withdrawal fees | 25% government withdrawal charge on non-qualifying withdrawals | Not confirmed |
| Platforms | Not confirmed | Mobile app |
Same on both: Investor protection (FSCS up to GBP 85,000).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings.
Key differences
- Plum scores higher overall: 8.9 vs 8.7.
- Regulators: only OneFamily offers Financial Conduct Authority (FCA).
- Regulators: only Plum offers Financial Conduct Authority.
- Minimum deposit is lower at Plum: £2 vs £25.
- Markets: only Plum offers ETFs.
- Account types: only OneFamily offers Jisa.
- Account types: only Plum offers ISA, SIPP.
Our verdict on each
OneFamily
OneFamily suits UK parents saving for a child in a Lifetime ISA or Junior ISA, with a minimum deposit of £25 and a low entry point. It is a focused family provider rather than a general investing platform, and a government withdrawal charge makes early access expensive.
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 | OneFamily | Plum |
|---|---|---|
| Cost | 8.8Low entry cost with a minimum deposit of £25, but the government withdrawal charge on non-qualifying withdrawals adds a real cost. | 9.3HigherStock dealing is £0, the account fee is £0 and management fees run 0.15% to 0.6% on portfolios. |
| Offer | 8.9 | 8.9 |
| Trust | 8.6Higher | 8.5 |
Availability and regulation
| Country | OneFamily | Plum |
|---|---|---|
| United Kingdom | Not confirmed |
Where they rank in our lists
| Ranking | OneFamily | Plum |
|---|---|---|
| Stock and ETF brokers | 190 of 490 | 160 of 490 |
| Investment platforms and apps | 42 of 85 | 33 of 85 |
| Lifetime ISA providers | 7 of 13 | 4 of 13 |
Also worth a look
Spreadex has minimum deposit at £0, against £25 for OneFamily and £2 for Plum.
Spreadex reviewWhere these facts come from
OneFamily
- onefamily.com: 8 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 | OneFamily | Plum |
|---|---|---|
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | Family Assurance Friendly Society Limited | Plum Fintech Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre, Email | Email, Help centre |
Robo-advisors
| Fact | OneFamily | 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 | OneFamily | Plum | Median |
|---|---|---|---|
| Minimum deposit | £25at the median | £2below the median | £25 |
| Stock trade fee | Not confirmed | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
Median across 16 listed brokers.
Pros and cons
OneFamily
Pros
- Minimum deposit of £25 keeps starting small easy for family saving
- You can hold stocks and funds in the account, so a child account can be invested rather than only held in cash
- Regulated by the Financial Conduct Authority (FCA) in the UK
Cons
- Deposit and withdrawal fees run a government withdrawal charge of a share of the pot on non-qualifying withdrawals, so money taken out early is reduced
- Support runs on help centre and email only, with no phone or live chat route listed
- The account list is lisa and jisa, so there is no general investing or pension account here
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
OneFamily
Who it suits
- Parents building a tax-free pot for a child through a Lifetime ISA
- Parents saving for a child too young to hold an adult account, using a Junior ISA
- Investors who want an FCA-authorised provider behind a small minimum deposit
Who should look elsewhere
- Anyone who may need the money before the account matures, because a government withdrawal charge applies
- Adults wanting a general investing platform, where eToro covers stocks, etfs and forex
- Investors who want to start with no opening payment, since CFI asks for $0 and Vantage for $5
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.
Country by country
| Country | OneFamily | Plum |
|---|---|---|
| United Kingdom | Yes | No |
Questions about each
OneFamily
What is the minimum deposit with OneFamily?+
The minimum deposit is £25, which sits below the site median of €4.64. That keeps it open to families saving modest monthly amounts for a child, rather than demanding a large opening payment before you can begin.
Can I take money out of a OneFamily Lifetime ISA early?+
A government withdrawal charge applies to non-qualifying withdrawals, so any early access reduces the balance. The accounts offered are lisa and jisa, and both are built to be held until the child reaches adulthood, so plan around that rather than treating the pot as spendable.
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.