Updated October 18, 2026 · SumCue Editorial Team
ii vs Moneyfarm
ii
Moneyfarm
Higher score in this comparison
What sets them apart
| Compare | iiReviewSee alternativesSee alternatives | MoneyfarmReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £500 |
| Stock trade fee | £3.99 | £3.95Lower |
| Currency conversion fee | 0.75% | 0.7%Lower |
| Deposit and withdrawal fees | Free transfers in/out; free next-day withdrawals, GBP15 same-day | Free deposits and withdrawals |
| Account types | ISA, SIPP, Jisa, JointCovers more | ISA, SIPP |
| Account fee | £71.88 | Not confirmed |
| Platforms | Mobile app | Not confirmed |
| Interest on cash | 0.8% | Not confirmed |
Same on both: Markets (Stocks, ETFs, Funds, Bonds), Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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 scores higher overall: 9.1 vs 8.6.
- Moneyfarm is available in 1 more country.
- Minimum deposit is lower at ii: £0 vs £500.
- Stock trade fee is lower at Moneyfarm: £3.95 vs £3.99.
- Currency conversion fee is lower at Moneyfarm: 0.7% vs 0.75%.
- Account types: only ii offers Jisa, Joint.
- Support channels: only Moneyfarm offers Email, Chat.
- Pricing model: only ii offers Low fees.
- Pricing model: only Moneyfarm offers No monthly fee.
Our verdict on each
ii
ii suits investors who want tax efficient and family accounts with ISA, SIPP and jisa alongside stocks, ETFs and funds through Mobile app. Stock trades cost £3.99 and the account fee is £71.88, so active traders should balance dealing charges against portfolio growth.
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 | ii | Moneyfarm |
|---|---|---|
| Cost | 8.6Low entry hurdle with minimum deposit of £0 balanced by dealing charges | 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 | 8.9Choice across stocks, ETFs and funds held within ISA, SIPP and jisa via Mobile app | 9.7Higher |
| Trust | 8.5Oversight from Financial Conduct Authority with cover of FSCS up to GBP 85,000 | 8.7Higher |
Positions in our rankings
| Ranking | ii | Moneyfarm |
|---|---|---|
| Investing | 322 of 654 | 172 of 654 |
| Stock and ETF brokers | 234 of 358 | 128 of 358 |
| Stocks and shares ISAs | 17 of 25 | 6 of 25 |
| Pensions and SIPPs | 13 of 23 | 4 of 23 |
Feature by feature
| Markets | ii | Moneyfarm |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | Yes |
| Account types | ii | Moneyfarm |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Joint | Yes | No |
| Jisa | Yes | No |
Pick ii if, pick Moneyfarm if
Pick ii if minimum deposit and account types matter most.
Pick Moneyfarm if cost, offer, stock trade fee, and currency conversion fee matter most.
Sources behind this comparison
ii
- ii.co.uk: 16 facts, checked September 28, 2026
Moneyfarm
- moneyfarm.com: 12 facts, checked September 26, 2026
Every fact side by side
| Fact | ii | Moneyfarm |
|---|---|---|
| Features | Mobile app | Not confirmed |
| Pricing model | Low fees | No monthly fee |
| Legal entity | Interactive Investor Services Limited | MFM Investment Ltd |
| Headquarters | United Kingdom | United Kingdom |
| Support channels | Phone, Help centre | Email, Phone, Help centre, ChatCovers more |
Savings
| Fact | ii | 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 | ii | Moneyfarm | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £500highest quarter | £15 |
| Stock trade fee | £3.99highest quarter | £3.95above the median | £0 |
| Account fee | £71.88highest quarter | Not confirmed | £0 |
| Currency conversion fee | 0.75%above the median | 0.7%above the median | 0.4% |
| Interest on cash | 0.8%lowest quarter | Not confirmed | 2.875% |
Median across 77 listed providers.
Pros and cons
ii
Pros
- Begin with £0 and invest across stocks, ETFs and funds without funding pressure
- Hold ISA, SIPP and family accounts through ISA, SIPP and jisa in a single provider
- Cover of FSCS up to GBP 85,000 under Financial Conduct Authority for added assurance
Cons
- Account fee of £71.88 applies whether you trade or leave holdings untouched
- Stock trades cost £3.99 versus $0 at ActivTrades
- Foreign trades carry conversion costs of 0.75% on top of dealing charges
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
ii
Who it suits
- Investors building ISA and SIPP holdings with junior and joint accounts included
- Buy and hold investors focused on shares, funds and bonds with mobile access
Who should look elsewhere
- Traders sensitive to per order costs may prefer ActivTrades where stock trade fee is $0 rather than £3.99
- Investors comparing entry levels may consider XTB with minimum deposit of €0 or eToro with minimum deposit of $50
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 | ii | Moneyfarm |
|---|---|---|
| Italy | No | Yes |
| United Kingdom | Yes | Yes |
Questions about each
ii
What does ii charge for share dealing and account holding?+
Stock trades cost £3.99 and the account fee is £71.88. The account fee covers holding of investments across wrappers and applies on top of dealing charges. Check how often you expect to trade before judging value against infrequent use.
Is ii regulated and is money protected?+
ii is provided by Interactive Investor Services Limited and regulated by Financial Conduct Authority. Client cover is FSCS up to GBP 85,000. Protection applies within scheme limits and does not remove market risk, so holdings can still fall in value.
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
Moneyfarm