Updated September 28, 2026 · SumCue Editorial Team
frankly.ch vs Moneyfarm
frankly.ch
Moneyfarm
Higher score in this comparison
frankly.ch vs Moneyfarm: the differences
| Compare | frankly.chReviewSee alternativesSee alternatives | MoneyfarmReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.15% | 3.87%Higher |
| Minimum deposit | CHF 1 | £500 |
| Access terms | Fully digital, app or web, no minimum deposit and no minimum term | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime |
| Monthly fee | CHF 0 | £0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Regulators | Not confirmed | Financial Conduct Authority |
Same on both: Rate type (Variable), Account kind (ISA).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.8.
- Moneyfarm is available in 1 more country.
- Headline rate is higher at Moneyfarm: 3.87% vs 0.15%.
- Support channels: only Moneyfarm offers Chat.
Our verdict on each
frankly.ch
frankly.ch suits Swiss savers who want a digital tax shelter account with no standing monthly charge. The catch is the interest: 0.15% sits far below the 3.29% from Wise and the 3.01% from bunq. That gap decides the choice for anyone comparing on yield alone.
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 | frankly.ch | Moneyfarm |
|---|---|---|
| Cost | 8.9Monthly fee CHF 0 on a no monthly fee model, with a minimum deposit of CHF 1, so running costs sit near the floor. | 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 | 8.6Headline rate 0.15% on a variable rate, ranked 442 of 488 brands on rate. | 9.7Higher |
| Trust | Not confirmed | 8.7 |
How they place
| Ranking | frankly.ch | Moneyfarm |
|---|---|---|
| Savings | 624 of 1492 | 381 of 1492 |
| Savings accounts | 415 of 658 | 254 of 658 |
| Cash ISAs | 9 of 11 | 5 of 11 |
Licences and countries
| Country | frankly.ch | Moneyfarm |
|---|---|---|
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
Additional countries for frankly.ch: 1. Additional countries for Moneyfarm: 2.
A third option
XTB has headline rate at 4%, against 0.15% for frankly.ch and 3.87% for Moneyfarm.
XTB reviewEvery fact side by side
| Fact | frankly.ch | Moneyfarm |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Sparen 3 pension foundation of Zuercher Kantonalbank | MFM Investment Ltd |
| Headquarters | Switzerland | United Kingdom |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Brokers
| Fact | frankly.ch | Moneyfarm |
|---|---|---|
| Stock trade fee | Not confirmed | £3.95 |
| Markets | Not confirmed | Stocks, ETFs, Bonds, Funds |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Currency conversion fee | Not confirmed | 0.7% |
| Deposit and withdrawal fees | Not confirmed | Free deposits and withdrawals |
| Account types | Not confirmed | ISA, SIPP |
Where each stands against the rest
| Fact | frankly.ch | Moneyfarm | Median |
|---|---|---|---|
| Headline rate | 0.15%lowest quarter | 3.87%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
frankly.ch
Pros
- The monthly fee is CHF 0, so there is no standing charge on the account.
- The account is fully digital by app or web, with no minimum deposit and no minimum term.
- A variable rate means the return can move rather than being locked for a set period.
Cons
- The headline rate of 0.15% sits well below the 3.29% from Wise and the 3.01% from bunq.
- A variable rate leaves the return exposed to policy moves rather than locking it in.
- The balance sits inside a isa wrapper held by Sparen 3 pension foundation of Zuercher Kantonalbank, so the money is tied to retirement saving rather than sitting as plain cash savings.
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
frankly.ch
Who it suits
- Swiss residents setting aside money in a tax shelter through an app
- Savers who want a digital account with no standing monthly charge and no minimum term
- Savers who can accept a variable rate and a return well below the 3.29% that Wise pays
Who should look elsewhere
- Anyone chasing the highest interest, since Wise pays 3.29% against 0.15% here
- Savers who need a fixed deal, as the rate here is variable while Finteres runs a band reaching 0% to 36%
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 | frankly.ch | Moneyfarm |
|---|---|---|
| Italy | No | Yes |
| Switzerland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
frankly.ch
What rate does frankly.ch pay and is it fixed?+
The headline rate is 0.15% and the rate type is variable, so the return is one the provider can move rather than a figure locked for a set period. A saver who budgets around a future yield takes on that uncertainty. Readers who want a predictable return should treat a fixed product as the more comfortable choice.
Is there a monthly fee on the account?+
The monthly fee is CHF 0 and the account runs on a no monthly fee model, so there is no standing charge to weigh. That makes the cost side the strongest part of the offer, and the gap shows in the scores: 4.7 for cost against 0.6 for offer. A reader can treat the quoted rate as the full return on the balance.
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
frankly.ch
Moneyfarm