Updated October 13, 2026 · SumCue Editorial Team
Bestinvest vs Moneyfarm
Bestinvest
Moneyfarm
Higher score in this comparison
Bestinvest vs Moneyfarm: the differences
| Compare | BestinvestReviewSee alternativesSee alternatives | MoneyfarmReviewSee alternativesSee alternatives |
|---|---|---|
| Stock trade fee | £4.95 | £3.95Lower |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Currency conversion fee | 0.95% | 0.7%Lower |
| Account types | ISA, SIPP, JisaCovers more | ISA, SIPP |
| Minimum deposit | Not confirmed | £500 |
| Regulators | Not confirmed | Financial Conduct Authority |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Platforms | Mobile app | Not confirmed |
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Moneyfarm is available in 1 more country.
- Stock trade fee is lower at Moneyfarm: £3.95 vs £4.95.
- Currency conversion fee is lower at Moneyfarm: 0.7% vs 0.95%.
- Markets: only Moneyfarm offers Bonds.
- Account types: only Bestinvest offers Jisa.
- Support channels: only Moneyfarm offers Email, Chat.
- Pricing model: only Bestinvest offers Low fees.
- Pricing model: only Moneyfarm offers No monthly fee.
Our verdict on each
Bestinvest
Bestinvest blends self directed investing with managed portfolios, while many platforms push one route alone. It gives households a guided path with coaching, planning tools and market insight across ISAs, pensions and junior accounts on an online platform with mobile access.
Moneyfarm
Moneyfarm suits UK savers who want a managed portfolio or a Cash ISA under one brand, and it charges a management fee of 0.1% to 0.45% rather than nothing. The trade-off is a £500 starting amount and a £3.95 charge on stock trades.
Score breakdown
| Area | Bestinvest | Moneyfarm |
|---|---|---|
| Cost | 8.3 | 9.2HigherA management fee of 0.1% to 0.45% a year plus £3.95 per stock trade, while the site median is 0.35%. |
| Offer | 8.9 | 9.7Higher |
| Trust | 9.7Higher | 8.7 |
Choosing between them
Pick Bestinvest if account types matter most.
Pick Moneyfarm if cost, offer, stock trade fee, markets, and currency conversion fee matter most.
How they place
| Ranking | Bestinvest | Moneyfarm |
|---|---|---|
| Investing | 377 of 654 | 172 of 654 |
| Stock and ETF brokers | 260 of 358 | 128 of 358 |
| Robo-advisors | 111 of 154 | 46 of 154 |
| Stocks and shares ISAs | 19 of 25 | 6 of 25 |
| Pensions and SIPPs | 15 of 23 | 4 of 23 |
Every fact side by side
| Fact | Bestinvest | Moneyfarm |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Low fees | No monthly fee |
| Audience | Beginners | Not confirmed |
| Legal entity | Evelyn Partners Investment Management Services Limited | MFM Investment Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Founded | 1986 | Not confirmed |
| Support channels | Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Robo-advisors
| Fact | Bestinvest | Moneyfarm |
|---|---|---|
| Management fee | 0% to 0.4%Lower | 0.1% to 0.45% |
| Minimum investment | £50Lower | £500 |
| Portfolio types | ETF, ESG, Cash | ETF, ESG, Cash, CryptoCovers more |
Savings
| Fact | Bestinvest | Moneyfarm |
|---|---|---|
| Headline rate | Not confirmed | 3.87% |
| Rate type | Not confirmed | Variable |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Access terms | Not confirmed | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime |
| Monthly fee | Not confirmed | £0 |
| Account kind | Not confirmed | ISA |
Where each stands against the rest
| Fact | Bestinvest | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | £500highest quarter | £15 |
| Stock trade fee | £4.95highest quarter | £3.95above the median | £0 |
| Currency conversion fee | 0.95%above the median | 0.7%above the median | 0.4% |
Median across 77 listed providers.
Pros and cons
Bestinvest
Pros
- Online platform plus mobile app with thousands of shares and funds
- Ready made Portfolios built and managed by parent company teams
- Expert coaching plus planning tools and sector insights
Cons
- Online opening and management offers no branch based service
- Self directed selection requires confidence across thousands of assets
- Ready made routes follow parent company investment decisions
Moneyfarm
Pros
- The monthly fee is £0, so there is no monthly account charge to plan around.
- The Cash ISA pays a variable rate of 3.87%, where the site median is 3%.
- Money in and out is listed as Free deposits and withdrawals, so no charge applies to funding or taking money out.
Cons
- Trading is a paid extra: a stock trade costs £3.95, where the median across the site is €0.
- The minimum investment of £500 sits well above the typical starting amount on the site, which is €25.
- The management fee of 0.1% to 0.45% runs every year, where eToro and Empower Personal Dashboard list fees of 0% and 0%.
Who each suits
Bestinvest
Who it suits
- New investors wanting coaching alongside self directed choice
- Parents planning junior investments and pensions for children
- Households seeking ISAs, pensions and general accounts together
Who should look elsewhere
- Traders wanting branch meetings and in person dealing
- Investors seeking fully independent portfolio control
Moneyfarm
Who it suits
- People who want a variable Cash ISA paying 3.87% alongside a managed portfolio, and who are comfortable with a management fee where eToro lists 0%.
- Investors holding £500 or more who want both ISA and SIPP options, with the minimum investment at Axos Invest set at $100.
- Readers who care more about a free monthly fee and free deposits than about a fee-free management platform, since Empower Personal Dashboard lists a management fee of 0%.
Who should look elsewhere
- Anyone who will not pay a management fee, since eToro and Empower Personal Dashboard list fees of 0% and 0%.
- People who need a smaller opening amount than £500, who may find the $100 minimum investment at Axos Invest a closer fit.
- Savers who want a rate locked for a term, since the Moneyfarm Cash ISA is variable and follows the market.
Country by country
| Country | Bestinvest | Moneyfarm |
|---|---|---|
| Italy | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
Bestinvest
What can investors choose on the platform?+
The platform covers shares, funds, exchange traded funds and investment trusts. Clients can build portfolios themselves or follow expert ideas and monthly lists showing popular assets among investors.
What are Ready-made Portfolios?+
Ready made Portfolios are managed investment selections designed for simpler decision making. They are built and managed by teams at Evelyn Partners, which is identified as the parent company.
Moneyfarm
What does Moneyfarm charge for managing my money?+
Moneyfarm charges a management fee of 0.1% to 0.45% a year on the ISA and SIPP accounts, which is the main ongoing cost. The monthly fee is £0, so there is no monthly account charge. eToro, by contrast, lists a management fee of 0%.
What rate does the Moneyfarm Cash ISA pay?+
The Cash ISA pays a headline rate of 3.87%, and the rate type is variable, so the figure tracks the market rather than being locked for a term. For context, the site median is 3% and the upper quartile is 4.15%.
Other options to compare
Other matchups
Bestinvest
Moneyfarm