Updated September 28, 2026 · BrokerCue Editorial Team
OneFamily vs Wealthify
Where OneFamily and Wealthify differ
| Compare |  OneFamily |  Wealthify |
|---|---|---|
| Minimum deposit | £25Lower | £1,000 |
| Markets | Stocks, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Regulators | Financial Conduct Authority (FCA) | Financial Conduct Authority |
| Deposit and withdrawal fees | 25% government withdrawal charge on non-qualifying withdrawals | No fees for deposits, withdrawals or transfers |
| Account types | Lisa, Jisa | ISA, SIPP |
| Platforms | Not confirmed | Web, iOS app, Android app |
Same on both: Investor protection (FSCS up to GBP 85,000).
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Key differences
- Wealthify scores higher overall: 8.8 vs 8.7.
- Regulators: only OneFamily offers Financial Conduct Authority (FCA).
- Regulators: only Wealthify offers Financial Conduct Authority.
- Minimum deposit is lower at OneFamily: £25 vs £1,000.
- Markets: only Wealthify offers ETFs, Bonds.
- Account types: only OneFamily offers Lisa, Jisa.
- Account types: only Wealthify offers ISA, SIPP.
- Support channels: only Wealthify offers Chat, 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.
Wealthify
Wealthify suits UK beginners who want a managed portfolio rather than a dealing account, with a minimum investment of £1,000 to £5,000. The appeal is the managed approach and the ISA and SIPP choice; the drawback is a starting amount well above most rivals.
Score breakdown
| Area | OneFamily | Wealthify |
|---|---|---|
| Cost | 8.8HigherLow entry cost with a minimum deposit of £25, but the government withdrawal charge on non-qualifying withdrawals adds a real cost. | 8.5Management fee of 0.6%, and a minimum investment running £1,000 to £5,000, both inside the robo-advisor field. |
| Offer | 8.9 | 9.4Higher |
| Trust | 8.6 | 8.7Higher |
Side by side, item by item
| Markets | OneFamily | Wealthify |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | No | Yes |
| Bonds | No | Yes |
| Funds | Yes | Yes |
| Account types | OneFamily | Wealthify |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| Lisa | Yes | No |
| Jisa | Yes | No |
Positions in our rankings
| Ranking | OneFamily | Wealthify |
|---|---|---|
| Stock and ETF brokers | 190 of 490 | 182 of 490 |
| Investment platforms and apps | 42 of 85 | 39 of 85 |
| Junior ISA providers | 9 of 14 | 7 of 14 |
Also worth a look
Capital.com has minimum deposit at £20, against £25 for OneFamily and £1,000 for Wealthify.
Capital.com reviewEvery fact side by side
| Fact | OneFamily | Wealthify |
|---|---|---|
| Features | Not confirmed | Mobile app |
| Pricing model | Not confirmed | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Family Assurance Friendly Society Limited | Wealthify Limited |
| Headquarters | Not confirmed | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Help centre, Email | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | OneFamily | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £25at the median | £1,000highest quarter | £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
Wealthify
Pros
- A management fee of 0.6% sits below the 0.5% to 1.5% charged on Vivid Standard business plans.
- The whole account is reachable through Web, iOS app and Android app, so a phone and a browser cover it end to end.
- Support runs on email, chat and phone, putting phone and chat help alongside email.
Cons
- The minimum investment of £1,000 to £5,000 is well above the $100 entry point at Axos Invest, and Wealthify ranks 68 of 82 brands on this measure.
- The management fee of 0.6% is not the lowest available, since eToro charges a management fee of 0%.
- The account line-up covers isa and sipp only, with no joint, corporate or general investment account in the range.
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
Wealthify
Who it suits
- Beginners who want a portfolio chosen for them and an app in their hand, with Web, iOS app and Android app and an audience of beginners.
- Savers building an ISA or SIPP through isa and sipp who can clear a £1,000 to £5,000 minimum and prefer one recurring charge.
- Readers who value being able to ask a question, with email, chat and phone available across phone, chat and email.
Who should look elsewhere
- Anyone starting below £1,000 to £5,000: Axos Invest takes a managed portfolio minimum of $100, quoted in US dollars.
- Readers whose first question is the smallest ongoing charge: eToro's management fee is 0%.
- Traders who want to place their own orders: Wealthify runs the low fees managed model around portfolios in esg and cash rather than self-directed dealing.
Country by country
| Country | OneFamily | Wealthify |
|---|---|---|
| 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.
Wealthify
What does Wealthify charge?+
Wealthify charges a single management fee of 0.6% on the portfolio it manages, and the same fee applies to both account types in the range. Deposits, withdrawals and transfers are not charged either, so the recurring percentage is the number to hold on to when you compare. There is no order ticket to price on this account.
How much do I need to start with Wealthify?+
The minimum investment runs £1,000 to £5,000, and the minimum deposit is £1,000. That is a high starting point for a robo-advisor: Axos Invest quotes a managed portfolio minimum of $100 in US dollars, and the median minimum across the brands compared is €25. Anyone starting below Wealthify's threshold needs a different provider.