Wealthify review

Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026

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Our verdict

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.

Key facts

Best for
UK beginners saving through an ISA or SIPP who want a managed portfolio at a low fee.
Management fee
0.6% (Source, checked September 26, 2026)
Minimum investment
£1,000 to £5,000 (Source, checked September 26, 2026)
Regulators
Financial Conduct Authority (Source, checked September 26, 2026)
Investor protection
FSCS up to GBP 85,000 (Source, checked September 26, 2026)
Account types
ISA, SIPP (Source, checked September 26, 2026)
Portfolio types
ESG, Cash (Source, checked September 26, 2026)
Legal entity
Wealthify Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2016
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Official website
wealthify.com

Brokers

Minimum deposit
£1,000
Markets
Stocks, ETFs, Bonds, Funds (Source, checked September 26, 2026)
Regulators
Financial Conduct Authority (Source, checked September 26, 2026)
Investor protection
FSCS up to GBP 85,000 (Source, checked September 26, 2026)
Deposit and withdrawal fees
No fees for deposits, withdrawals or transfers (Source, checked September 26, 2026)
Platforms
Web, iOS app, Android app (Source, checked September 26, 2026)
Account types
ISA, SIPP (Source, checked September 26, 2026)
Legal entity
Wealthify Limited (Source, checked September 26, 2026)
Headquarters
United Kingdom (Source, checked September 26, 2026)
Founded
2016
Support channels
Email, Chat, Phone, Help-centre (Source, checked September 26, 2026)
Features
Mobile app
Pricing model
Low fees
Audience
Beginners

Apps and profiles

Get the app
Google Play
Elsewhere
TrustpilotLinkedInX

Pros and cons

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.
  • The portfolio options in esg and cash add an ESG tilt and a cash option, so the portfolio can be steered without leaving the range.

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.
  • On management fee it ranks 36 of 49 brands, so the rate is mid-table rather than a standout.
Wealthify

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Scored 8.8 / 10 by BrokerCue.

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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.

Where it sits among rivals

The two rankings in this comparison put Wealthify in the middle of the field rather than at either end. On management fee it sits 36 of 49 brands, which is a mid-table rate rather than one of the cheapest on the market. On minimum investment the picture is weaker, with the brand placed 68 of 82, and that is the number most likely to decide a comparison for anyone without a large pot already. The two measures are close in size but not in outcome, and they pull against each other: a middling annual rate looks perfectly ordinary until the entry requirement is put next to it. Readers comparing robo-advisors on price should carry both, because a service that looks affordable on the running rate can still be out of reach on the starting amount.

What trading costs

Wealthify prices the account through one recurring number: a management fee of 0.6% on the portfolio it holds. The second figure is the entry requirement, with a minimum investment of £1,000 to £5,000. Those two lines are the cost picture, and they weigh differently on a saver. A rate is a proportion of whatever is in the account, so it grows and shrinks with the pot, while a minimum is a hurdle on day one that has to be cleared before the rate matters at all. For anyone building up savings gradually, the minimum is the harder of the two to absorb. For anyone already holding enough to clear it, the fee is the only figure left to weigh, and it can be set against the running cost of a flat-fee dealing platform.

Who runs it

Wealthify is run by Wealthify Limited, headquartered in the United Kingdom and founded in 2016, which makes it one of the newer robo-advisors in the UK. The company is regulated in the UK, and the platform sits under that single legal entity, so the name behind the account is easy to trace. Support is the part that matters once money is in, and Wealthify offers email, chat and phone, covering phone and chat as well as email and a written help centre. For readers weighing who stands behind the money, the regulatory register and the protection scheme apply to the whole account rather than to a single product, and the terms of the chosen account are the document that settles the detail.

How Wealthify compares

Frequently asked questions

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.

Is my money protected at Wealthify?+

Wealthify is regulated in the UK, investor protection runs through the FSCS up to the limit stated for the account, and the legal entity behind the platform is Wealthify Limited (Wealthify Limited). Protection covers eligible losses rather than market movements: across the brands compared, the median share of retail accounts that lose money is 70.15%.

What account types does Wealthify offer?+

The range covers isa and sipp, so the portfolio can sit in an ISA or a SIPP and nothing else in the account line-up. The management fee of 0.6% is the same on either, which makes the account type a tax and contribution question rather than a cost question. No joint or corporate variant appears in the range.

Are there fees for deposits and withdrawals?+

No fees apply to deposits, withdrawals or transfers, so money can move in and out of the account without a charge attached to the movement. The running cost to keep in view is the management fee of 0.6%, which sits on the portfolio rather than on each transaction, and it applies whether the pot is being added to or drawn from.

Can I use Wealthify on my phone?+

Wealthify runs on Web, iOS app and Android app, so the account can be checked and adjusted from a phone as well as a browser. Because the holding is a managed portfolio, changes are made by adjusting the plan or the contribution rather than by placing orders. Support runs on email, chat and phone for anyone who prefers to ask a question first.

Who is Wealthify built for?+

The audience is beginners, and that matches how the wider group is built: 100% of the ranked robo-advisors target beginners, against 18.5% aimed at experienced users. A managed portfolio suits readers who want the picking done for them and few decisions to make.

What can I hold in a Wealthify portfolio?+

The portfolio draws on stocks, etfs and bonds, and the options in esg and cash add an ESG tilt and a cash option. That is a broad spread for a smaller pot, and it sits inside the norm for the group: 94.4% of ranked robo-advisors cover ETFs and 46.1% cover bonds, so the asset mix here is conventional.

Sources

  • wealthify.com checked September 26, 2026

    Backs: Headquarters, Legal entity

    “registered in England and Wales (Company No. 09034828) with a registered office at Tec Marina, Terra Nova Way, Penarth CF64 1SA”

  • wealthify.com checked September 26, 2026

    Backs: Features

    “available to download on iOS and Android devices”

  • wealthify.com/about-us checked September 26, 2026

    Backs: Audience, Investor protection, Regulators

    “to make investing accessible to everyone”

  • wealthify.com/faq/investing checked September 26, 2026

    Backs: Account types, Minimum investment, Portfolio types

    “Stocks and Shares ISA, Junior ISA, General Investment Account and Personal Pension”

  • wealthify.com/why-invest/fees checked September 26, 2026

    Backs: Deposit and withdrawal fees, Management fee, Markets, Pricing model, Platforms, Support channels

    “We won't charge you for any deposits, withdrawals, transfers, or if you close your Plan”

Compiled from 5 source pages, checked September 26, 2026. We did not open an account.

Wealthify

Wealthify

UK beginners saving through an ISA or SIPP who want a managed portfolio at a low fee.

8.8/10See alternatives

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