Updated September 28, 2026 · BrokerCue Editorial Team
OneFamily vs Police Friendly
Where OneFamily and Police Friendly differ
| Compare |  OneFamily |  Police Friendly |
|---|---|---|
| Minimum deposit | £25Lower | £50 |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority / Prudential Regulation Authority |
| Deposit and withdrawal fees | 25% government withdrawal charge on non-qualifying withdrawals | 25% government charge on non-qualifying withdrawals |
| Account types | Lisa, Jisa | ISA, Lisa, JisaCovers more |
Same on both: Markets (Stocks, Funds), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Police Friendly scores higher overall: 9.0 vs 8.7.
- Regulators: only OneFamily offers Financial Conduct Authority (FCA).
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Minimum deposit is lower at OneFamily: £25 vs £50.
- Account types: only Police Friendly offers ISA.
- Support channels: only OneFamily offers Help centre.
- Support channels: only Police Friendly offers Phone.
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.
Police Friendly
Police Friendly is a UK friendly society for long-term savers, not active traders, offering ISA, Lifetime ISA and Junior ISA accounts with a minimum deposit of £50. Regulated in the UK and backed by FSCS up to GBP 85,000, it fits households saving steadily for a home or a child's future.
Score breakdown
| Area | OneFamily | Police Friendly |
|---|---|---|
| Cost | 8.8HigherLow entry cost with a minimum deposit of £25, but the government withdrawal charge on non-qualifying withdrawals adds a real cost. | 8.6Low entry at £50 on isa, lisa and jisa accounts, offset by a charge on non-qualifying withdrawals. |
| Offer | 8.9 | 9.1Higher |
| Trust | 8.6 | 9.2Higher |
Choosing between them
Pick OneFamily if minimum deposit matter most.
Pick Police Friendly if trust and account types matter most.
Availability and regulation
| Country | OneFamily | Police Friendly |
|---|---|---|
| United Kingdom |
Available in 1 country for both.
How they place
| Ranking | OneFamily | Police Friendly |
|---|---|---|
| Stock and ETF brokers | 190 of 490 | 138 of 490 |
| Investment platforms and apps | 42 of 85 | 29 of 85 |
| Lifetime ISA providers | 7 of 13 | 3 of 13 |
| Junior ISA providers | 9 of 14 | 4 of 14 |
Every fact side by side
| Fact | OneFamily | Police Friendly |
|---|---|---|
| Legal entity | Family Assurance Friendly Society Limited | Metropolitan Police Friendly Society Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 1893 |
| Support channels | Help centre, Email | Email, Phone |
Where each stands against the rest
| Fact | OneFamily | Police Friendly | Median |
|---|---|---|---|
| Minimum deposit | £25at the median | £50above the median | £25 |
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
Police Friendly
Pros
- A minimum deposit of £50 makes the entry point manageable for steady savers.
- All three wrappers, isa, lisa and jisa, sit with one provider.
- Members are covered by FSCS up to GBP 85,000 if the firm fails.
Cons
- A government charge cuts non-qualifying withdrawals, which limits access before the account matures.
- The investment range is limited to stocks and funds, with no wider market for ISA money.
- The £50 minimum deposit runs ahead of CFI at $0 and Vantage at $5.
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
Police Friendly
Who it suits
- UK savers who want ISA, Lifetime ISA and Junior ISA accounts under one roof.
- Police service members and their families, drawn to a provider run as Metropolitan Police Friendly Society Limited.
- Long-term investors content with a stocks and funds range and no trading tools.
Who should look elsewhere
- Traders after a wide market range: eToro covers stocks, etfs and forex.
- Anyone starting with the smallest possible deposit: CFI takes $0 and Vantage $5.
- Shoppers who judge cost by the entry deposit alone, since £50 sits above CFI at $0.
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Country by country
| Country | OneFamily | Police Friendly |
|---|---|---|
| United Kingdom | Yes | Yes |
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.
Police Friendly
How much do I need to open an account?+
The minimum deposit is £50, which is more than some rivals ask at the start. CFI opens at $0 and Vantage at $5, so Police Friendly suits savers who can commit a modest sum each month rather than the smallest possible stake.
Is my money protected if the provider fails?+
Investors are covered by FSCS up to GBP 85,000 under the UK compensation scheme, and the firm is authorised under the reference 110026. The regulator named is Financial Conduct Authority / Prudential Regulation Authority, which supervises both conduct and prudential standards.