Updated October 18, 2026 · SumCue Editorial Team
ii vs Wealthify
ii
Wealthify
Higher score in this comparison
ii vs Wealthify: the differences
| Compare | iiReviewSee alternativesSee alternatives | WealthifyReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £0Lower | £1,000 |
| Deposit and withdrawal fees | Free transfers in/out; free next-day withdrawals, GBP15 same-day | No fees for deposits, withdrawals or transfers |
| Platforms | Mobile app | Web, iOS app, Android app |
| Account types | ISA, SIPP, Jisa, JointCovers more | ISA, SIPP |
| Stock trade fee | £3.99 | Not confirmed |
| Account fee | £71.88 | Not confirmed |
| Currency conversion fee | 0.75% | 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
- Wealthify scores higher overall: 8.7 vs 8.6.
- Minimum deposit is lower at ii: £0 vs £1,000.
- Platforms: only ii offers Mobile app.
- Platforms: only Wealthify offers Web, iOS app, Android app.
- Account types: only ii offers Jisa, Joint.
- Support channels: only Wealthify offers Email, Chat.
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.
Wealthify
Wealthify is a straightforward robo-advisor for beginners who want a pension or ISA built for them and left alone. Cost is the weak point: a £1,000 deposit and a £1,000 to £5,000 minimum investment leave it at 68 of 82 on our data.
Score breakdown
| Area | ii | Wealthify |
|---|---|---|
| Cost | 8.6HigherLow entry hurdle with minimum deposit of £0 balanced by dealing charges | 8.5 |
| Offer | 8.9Choice across stocks, ETFs and funds held within ISA, SIPP and jisa via Mobile app | 9.2Higher |
| Trust | 8.5Oversight from Financial Conduct Authority with cover of FSCS up to GBP 85,000 | 8.5 |
What each covers
| Markets | ii | Wealthify |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Bonds | Yes | Yes |
| Funds | Yes | Yes |
| Account types | ii | Wealthify |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
| Joint | Yes | No |
| Jisa | Yes | No |
Which one suits you
Pick ii if minimum deposit and account types matter most.
Pick Wealthify if offer matter most.
Licences and countries
| Country | ii | Wealthify |
|---|---|---|
| United Kingdom | Not confirmed |
Available in 1 country for both.
What we checked
ii
- ii.co.uk: 16 facts, checked September 28, 2026
Wealthify
- wealthify.com: 12 facts, checked September 26, 2026
How they place
| Ranking | ii | Wealthify |
|---|---|---|
| Investing | 322 of 654 | 306 of 654 |
| Stock and ETF brokers | 234 of 358 | 222 of 358 |
| Stocks and shares ISAs | 17 of 25 | 16 of 25 |
| Pensions and SIPPs | 13 of 23 | 12 of 23 |
Every fact side by side
| Fact | ii | Wealthify |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Low fees | Low fees |
| Audience | Not confirmed | Beginners |
| Legal entity | Interactive Investor Services Limited | Wealthify Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Phone, Help centre | Email, Chat, Phone, Help centreCovers more |
Where each stands against the rest
| Fact | ii | Wealthify | Median |
|---|---|---|---|
| Minimum deposit | £0lowest quarter | £1,000highest quarter | £15 |
| Stock trade fee | £3.99highest quarter | Not confirmed | £0 |
| Account fee | £71.88highest quarter | Not confirmed | £0 |
| Currency conversion fee | 0.75%above the median | Not confirmed | 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
Wealthify
Pros
- Deposits, withdrawals and transfers are free of charge, so moving money in and out adds nothing to the cost of holding a portfolio.
- Support runs on email, chat and phone, so help is available by phone and chat as well as in writing.
- The account range covers an ISA and a SIPP: isa and sipp, the two wrappers most UK first time savers open first.
Cons
- The 0.6% management fee is above the 0% listed for eToro and the 0% listed for Empower Personal Dashboard.
- A £1,000 deposit and a £1,000 to £5,000 minimum investment put the starting point far above the $100 at Axos Invest.
- Account choice is narrow: isa and sipp is the full list, so there is no general investment account for money held outside a tax wrapper.
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
Wealthify
Who it suits
- Beginners who want the picking done for them: the stated audience is beginners.
- Savers putting money into an ISA or a pension: isa and sipp.
- People who want help by phone rather than by message alone: email, chat and phone.
Who should look elsewhere
- Anyone starting with a small sum, because the £1,000 to £5,000 minimum investment is far above the $100 at Axos Invest.
- Readers who weigh only ongoing cost, since 0.6% is above the 0% at eToro and the 0% at Empower Personal Dashboard.
Country by country
| Country | ii | Wealthify |
|---|---|---|
| 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.
Wealthify
What does it cost to run an account with Wealthify?+
The headline cost is a management fee of 0.6% on the value of the portfolio you hold. Money movement is free: there is no charge for deposits, withdrawals or transfers, so adding or taking out money does not add a provider bill. The management fee is therefore the only line worth tracking.
How much do I need to put in to start?+
You need a deposit of £1,000 to get going, and the investment itself is £1,000 to £5,000. That range matters for anyone testing the water, since the lower end decides what the management fee works out at in cash terms. Both figures are in pounds, so the arithmetic stays in sterling.
Other options to compare
Wealthify