Updated September 28, 2026 · SumCue Editorial Team
Dodl vs Moneyfarm
Dodl
Moneyfarm
Higher score in this comparison
Where Dodl and Moneyfarm differ
| Compare | DodlReviewSee alternativesSee alternatives | MoneyfarmReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £25Lower | £500 |
| Stock trade fee | £0Lower | £3.95 |
| Markets | Stocks, ETFs, Funds | Stocks, ETFs, Bonds, FundsCovers more |
| Currency conversion fee | 0.75% | 0.7%Lower |
| Deposit and withdrawal fees | free deposits and withdrawals | Free deposits and withdrawals |
| Account types | ISA, SIPP, LisaCovers more | ISA, SIPP |
| Platforms | Dodl app | Not confirmed |
| Interest on cash | 3.8% | Not confirmed |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.8.
- Moneyfarm is available in 1 more country.
- Minimum deposit is lower at Dodl: £25 vs £500.
- Stock trade fee is lower at Dodl: £0 vs £3.95.
- Currency conversion fee is lower at Moneyfarm: 0.7% vs 0.75%.
- Markets: only Moneyfarm offers Bonds.
- Account types: only Dodl offers Lisa.
- Support channels: only Moneyfarm offers Phone.
- Pricing model: only Dodl offers Commission free, Low fees.
- Pricing model: only Moneyfarm offers No monthly fee.
Our verdict on each
Dodl
Dodl suits UK beginners who want a low-cost way into markets without a dealing desk. It runs an ISA, SIPP and LISA in one app, charges £0 to trade shares, and answers to the Financial Conduct Authority with investor protection of FSCS up to GBP 85,000, so getting started is cheap.
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 | Dodl | Moneyfarm |
|---|---|---|
| Cost | 8.9 | 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 | 9.2A £25 entry point, 0.75% on currency conversion and commission free and low fees dealing across the ISA, SIPP and LISA. | 9.7Higher |
| Trust | 8.6 | 8.7Higher |
Side by side, item by item
| Markets | Dodl | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Bonds | No | Yes |
| Funds | Yes | Yes |
| Account types | Dodl | Moneyfarm |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Lisa | Yes | No |
Choosing between them
Pick Dodl if minimum deposit, stock trade fee, and account types matter most.
Pick Moneyfarm if cost, offer, markets, and currency conversion fee matter most.
Where these facts come from
Dodl
- dodl.co.uk: 12 facts, checked September 26, 2026
- help.dodl.co.uk: 3 facts, checked September 26, 2026
Moneyfarm
- moneyfarm.com: 12 facts, checked September 26, 2026
How they place
| Ranking | Dodl | Moneyfarm |
|---|---|---|
| Investing | 268 of 654 | 172 of 654 |
| Stock and ETF brokers | 194 of 358 | 128 of 358 |
| Stocks and shares ISAs | 10 of 25 | 6 of 25 |
| Pensions and SIPPs | 7 of 23 | 4 of 23 |
Every fact side by side
| Fact | Dodl | Moneyfarm |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Commission free, Low fees | No monthly fee |
| Audience | Beginners | Not confirmed |
| Legal entity | AJ Bell | MFM Investment Ltd |
| Headquarters | Not confirmed | United Kingdom |
| Support channels | Email, Chat, Help centre | Email, Phone, Help centre, ChatCovers more |
Savings
| Fact | Dodl | 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 | Dodl | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | £500highest quarter | £15 |
| Stock trade fee | £0at the median | £3.95above the median | £0 |
| Currency conversion fee | 0.75%above the median | 0.7%above the median | 0.4% |
| Interest on cash | 3.8%highest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
Dodl
Pros
- Commission-free dealing: £0 to buy or sell shares, with free deposits and withdrawals either side of the balance.
- An ISA, SIPP and LISA sit alongside stocks, etfs and funds in a single app, so wrappers and dealing stay in one place.
- Regulated by the Financial Conduct Authority, with investor protection of FSCS up to GBP 85,000.
Cons
- Foreign exchange costs 0.75%, so currency conversion is the charge that bites anyone buying shares outside sterling.
- Help runs on email, chat and help centre, with no phone route among them, so a complex dispute has to be put in writing.
- The market list is stocks, etfs and funds, which leaves out bonds, commodities and currency pairs.
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
Dodl
Who it suits
- Beginners in the UK who want their first ISA or SIPP and do not want commission on a share dealing.
- Investors who keep a cash buffer alongside a portfolio and want interest on the part that is not invested.
- Pension savers who prefer one app for the SIPP, the ISA and the general account rather than several providers.
Who should look elsewhere
- Forex traders, who should look at CFI: it opens from a $0 minimum, and currency markets sit outside the stocks, etfs and funds on offer here.
- Anyone after a euro bank account rather than a UK wrapper: bunq's minimum deposit is €10, and that product sits outside the isa, sipp and lisa range here.
- Readers after credit rather than investments: Fiesta Credito MX is supervised by CONDUSEF, a different market from the Financial Conduct Authority's.
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 | Dodl | Moneyfarm |
|---|---|---|
| Italy | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
Dodl
What does it cost to trade shares at Dodl?+
Dealing is commission free: £0 to buy or sell shares, and the same rate on the ISA, SIPP and LISA accounts. commission free and low fees describes the pricing. That dealing fee puts Dodl at position 1 of 166 brands ranked on stock trade fees on this site.
How much do I need to open an account?+
The minimum deposit is £25, low enough to start with a small amount and add to it later. On this site that ranks position 131 of 218 brands on minimum deposit, so it sits in the middle of the field rather than at the bottom of it.
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
Dodl
Moneyfarm