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Updated September 29, 2026 · SumCue Editorial Team

eToro vs Moneyfarm

eToro scores 9.2 and Moneyfarm 9.1 out of 10. Compare their differences and shared features below.
eToro

eToro

Higher score in this comparison

9.2/10
Visit
Moneyfarm

Moneyfarm

9.1/10
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eToro vs Moneyfarm: the differences

eToro vs Moneyfarm
CompareeToroeToroReviewVisitVisitMoneyfarmMoneyfarmReviewSee alternativesSee alternatives
Minimum deposit$1 to $10,000£500
Stock trade fee$0£3.95
MarketsStocks, ETFs, Forex, CFDs, Crypto, FuturesStocks, ETFs, Bonds, Funds
RegulatorsCyprus Securities and Exchange Commission (CySEC), SIPCFinancial Conduct Authority
Investor protectionEU ICS up to EUR 20,000FSCS up to GBP 85,000
Account typesISAISA, SIPPCovers more
Account fee$0Not confirmed
Currency conversion feeNot confirmed0.7%
Deposit and withdrawal feesNot confirmedFree deposits and withdrawals

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

  • eToro scores higher overall: 9.2 vs 9.1.
  • Regulators: only eToro offers Cyprus Securities and Exchange Commission (CySEC), SIPC.
  • Regulators: only Moneyfarm offers Financial Conduct Authority.
  • eToro is licensed in 1 more country.
  • Markets: only eToro offers Forex, CFDs, Crypto.
  • Markets: only Moneyfarm offers Bonds, Funds.
  • Account types: only Moneyfarm offers SIPP.
  • Support channels: only Moneyfarm offers Email, Phone, Chat.
  • Pricing model: only eToro offers Commission free.
  • Pricing model: only Moneyfarm offers No monthly fee.

Our verdict on each

eToro

eToro suits new investors who want shares, crypto and cash interest in a single app, with an account fee of $0 and a stock trade fee of $0. The catch is the withdrawal fee of $5 flat fee, which makes it a poor fit for anyone moving small sums in and out often.

Read the full eToro review

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.

Read the full Moneyfarm review

Score breakdown

eToro vs Moneyfarm
AreaeToroMoneyfarm
Cost9.3HigherAccount fee $0 and stock trade fee $0 rank 1 and 1, while withdrawals cost $5 flat fee.9.2A management fee of 0.1% to 0.45% a year plus £3.95 per stock trade, while the site median is 0.35%.
Offer8.89.7Higher
Trust9.2Higher8.7

What we checked

eToro

  • etoro.com: 10 facts, checked September 26, 2026
  • esma.europa.eu: 4 facts, checked September 26, 2026

Moneyfarm

  • moneyfarm.com: 12 facts, checked September 26, 2026

How they place

eToro vs Moneyfarm
RankingeToroMoneyfarm
Savings4 of 1492381 of 1492
Savings accounts3 of 658254 of 658
Investing5 of 654172 of 654
Stock and ETF brokers4 of 358128 of 358
Robo-advisors1 of 15446 of 154
Stocks and shares ISAs1 of 256 of 25

Every fact side by side

eToro vs Moneyfarm
FacteToroMoneyfarm
FeaturesCrypto, Demo account, Fractional shares, Copy trading, Mobile appNot confirmed
Pricing modelCommission freeNo monthly fee
AudienceBeginnersNot confirmed
Legal entityeToro (Europe) LtdMFM Investment Ltd
HeadquartersCyprusUnited Kingdom
Founded2007Not confirmed
Support channelsHelp centreEmail, Phone, Help centre, ChatCovers more

Crypto exchanges

eToro vs Moneyfarm
FacteToroMoneyfarm
Taker fee1%Not confirmed
Coins listedfrom 150Not confirmed
Fiat deposit methodsCard, BankNot confirmed
Withdrawal fee$5 flat feeNot confirmed
DerivativesYesNot confirmed
Exchange typeCexNot confirmed

Savings

eToro vs Moneyfarm
FacteToroMoneyfarm
Headline rate3.8%3.87%Higher
Rate typeVariableVariable
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsInterest on USD cash balance, no lock-in, withdraw at any time, calculated daily and paid monthlyFlexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime
Monthly fee$0£0
Account kindCash managementISA

Robo-advisors

eToro vs Moneyfarm
FacteToroMoneyfarm
Management fee0%Lower0.1% to 0.45%
Minimum investment$500£500
Portfolio typesETF, ESG, Cash, CryptoETF, ESG, Cash, Crypto

Crypto wallets

eToro vs Moneyfarm
FacteToroMoneyfarm
Wallet typeMobileNot confirmed
CustodyCustodialNot confirmed

Where each stands against the rest

eToro vs Moneyfarm
FacteToroMoneyfarmMedian
Account fee$0at the medianNot confirmed$0
Currency conversion feeNot confirmed0.7%above the median0.4%

Median across 77 listed providers.

Pros and cons

eToro

Pros

  • Interest on the USD cash balance pays 3.8% on a variable basis, calculated daily and paid monthly, and withdrawals are allowed at any time.
  • Regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC, with client asset protection of EU ICS up to EUR 20,000 and deposit protection of EU DGS up to EUR 100,000.
  • Minimum deposit $1 to $10,000 and minimum portfolio investment $500 keep the starting point low, and fractional shares are among the listed features.

Cons

  • Withdrawal costs $5 flat fee each time, which makes small, regular transfers expensive next to the $0 stock trade fee.
  • Client asset protection of EU ICS up to EUR 20,000 sits well below deposit protection of EU DGS up to EUR 100,000, so a large share portfolio can outrun the cover.
  • Taker fee 1% sits above the 0.25% median, which matters for anyone trading crypto often rather than holding.

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

eToro

Who it suits

  • New investors, since the audience is listed as beginners and the minimum deposit is $1 to $10,000.
  • Investors who want cash and markets together, with USD balance interest at 3.8% alongside stocks, etfs and forex.
  • UK savers who want a tax wrapper, since an ISA sits among the isa on offer.

Who should look elsewhere

  • bunq, which covers stocks, etfs and crypto and suits anyone who wants shares, ETFs and crypto and can set derivatives aside.
  • CFI, for readers who want stocks, etfs and forex and can leave futures aside; eToro is the wider of the two.
  • Fiesta Credito MX, which answers to CONDUSEF rather than Cyprus Securities and Exchange Commission (CySEC) and SIPC, for readers trading outside those markets.

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

eToro vs Moneyfarm
CountryeToroMoneyfarm
ItalyNoYes
United KingdomNoYes

Questions about each

eToro

What does eToro charge to open and run an account?+

The account fee is $0 and the monthly fee is $0, so the account costs nothing to hold. Stock trades are charged at $0 and the platform describes itself as commission-free. Managed portfolios carry a management fee of 0%. Money moving out is the exception, at $5 flat fee per withdrawal.

Is my money protected at eToro?+

eToro is regulated by Cyprus Securities and Exchange Commission (CySEC) and SIPC. Client assets sit under investor protection of EU ICS up to EUR 20,000, while cash deposits are covered by a separate scheme at EU DGS up to EUR 100,000. These ceilings are very different, so anyone holding a large share portfolio should treat the lower figure as the real limit on recovery.

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

eToro

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Moneyfarm

See alternatives