Your cookie choices

We use necessary cookies to make this site work. With your permission, analytics cookies help us understand usage and marketing cookies support advertising.

You can reject non-essential cookies and still use the site. Change your choices anytime in Cookie settings.

Cookie settingsCookie policy

Moneyfarm review

Updated September 28, 2026 · SumCue Editorial Team · Facts checked September 26, 2026

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.

Our verdict

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.

Key facts

Best for
One brand for a variable Cash ISA and a managed ISA or SIPP, with a free monthly fee.
Management fee
0.1% to 0.45%↗
Minimum investment
£500↗
Regulators
Financial Conduct Authority↗
Investor protection
FSCS up to GBP 85,000↗
Account types
ISA, SIPP↗
Portfolio types
ETF, ESG, Cash, Crypto↗
Legal entity
MFM Investment Ltd↗
Headquarters
United Kingdom↗
Support channels
Email, Phone, Help-centre, Chat↗
Official website
moneyfarm.com

Brokers

Minimum deposit
£500↗
Stock trade fee
£3.95↗
Markets
Stocks, ETFs, Bonds, Funds↗
Currency conversion fee
0.7%↗
Deposit and withdrawal fees
Free deposits and withdrawals↗
Pricing model
No monthly fee

Savings

Headline rate
3.87%↗
Rate type
Variable↗
Deposit protection
FSCS up to GBP 85,000↗
Access terms
Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime↗
Monthly fee
£0↗
Account kind
ISA↗

Facts checked September 26, 2026, 7 sources

Apps and profiles

Get the app
App StoreGoogle Play
Elsewhere
WikidataWikipediaTrustpilotLinkedInXblog.moneyfarm.com

Pros and cons

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.
  • Support runs on email, phone and help centre, so help is not confined to a single channel.
  • Protection is FSCS up to GBP 85,000 under the Financial Conduct Authority, which sets a stated ceiling on cover in the UK.

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%.
  • A currency conversion fee of 0.7% applies, which adds a further layer on top of the management fee of 0.1% to 0.45%.
Moneyfarm

Ready to try Moneyfarm?

Scored 9.1 / 10 by SumCue.

See alternatives

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.

Deposit protection

Moneyfarm is regulated by the Financial Conduct Authority, and its registration with that regulator is 629539. The protection attached to money held with the brand is FSCS up to GBP 85,000, which sets out a stated ceiling on what the scheme covers. That ceiling matters most on the Cash ISA, where the balance sits with the provider rather than being spread across holdings you own directly. On the managed ISA and SIPP accounts the same regulated firm holds the funds, so the same published figure is the one to weigh against your balance. The protection is expressed as a single limit rather than tiered cover, which keeps the arithmetic simple when you check how much of your money sits inside the scheme in the UK. One regulator and one registration apply to the cash side and the investment side alike.

Rates and card terms

The headline rate is 3.87% and the rate type is variable. That pairing says more about the account than the rate on its own: the number is what is on offer today rather than a guaranteed floor, because a variable rate moves with the market. Savers who need certainty will need to weigh a fixed product instead, since a fixed rate caps the upside but removes the movement. Because the same brand also manages investments, the cash side can sit alongside a portfolio rather than at a separate institution, which keeps the whole balance under one protection limit. Judge the rate against how long you plan to leave the money rather than treating the headline figure as permanent.

Portfolios and accounts

Portfolio types run to etf, esg and cash, so the managed range covers an exchange traded fund portfolio, an environmental, social and governance option, a cash portfolio and a crypto option. Account types are isa and sipp, so the tax wrapper choices are an ISA and a SIPP. Which portfolio you pick shapes the risk you carry day to day: a cash portfolio behaves very differently from an exchange traded fund portfolio, and the crypto option carries the widest swings of the group. Pairing an ISA with a portfolio that suits your risk appetite is the main decision, since the SIPP locks money away for longer. Readers who want to place their own orders, share by share, are looking at a different kind of provider.

The company behind it

The legal entity behind the UK brand is MFM Investment Ltd, with the headquarters country listed as GB. The regulatory registration for that entity is 629539, so the licence trail runs from the firm you contract with to the regulator rather than through an unnamed parent. Support runs on email, phone and help centre, which gives you a choice of routes rather than a single inbox, with a help centre for questions you can answer yourself and live channels for the rest. For a brand that holds cash and manages investments, a named UK entity, one registration and several support routes form a sensible base. The practical point is that the same firm answers for the cash and the portfolio.

How Moneyfarm compares

Where Moneyfarm is available

Available
Italy, United Kingdom
Licence in United Kingdom
Financial Conduct Authority (629539), checked September 26, 2026

Countries from the brand (Source, checked September 26, 2026)

Frequently asked questions

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%.

How much do I need to open an account?+

The minimum investment is £500 and the minimum deposit is £500, so the starting amount is the same whether you fund the portfolio or the cash account. That is above the typical minimum on the site, which is €25.

Is my money protected if something goes wrong?+

Money is covered under FSCS up to GBP 85,000, and the firm is regulated by the Financial Conduct Authority with registration 629539. The protection figure is a stated ceiling rather than a per-investor arrangement, so weigh it against your balance if you hold both a Cash ISA and a SIPP.

What can I hold in a Moneyfarm portfolio?+

Portfolio types run to etf, esg and cash, so the range includes an exchange traded fund portfolio, an environmental, social and governance option, a cash portfolio and a crypto option. Account types are isa and sipp, so the wrappers on offer are an ISA and a SIPP.

What do deposits and withdrawals cost?+

Deposits and withdrawals are listed as Free deposits and withdrawals, so moving money in and out carries no charge. The Cash ISA is flexible, allowing a limited number of withdrawals or transfers out each year, and you can top up at any time. A currency conversion fee of 0.7% applies on other currencies.

Can I buy individual shares on a Moneyfarm account?+

Stock trades are charged at £3.95, so dealing is a paid extra rather than part of the flat service. The available markets are stocks, etfs and bonds. For context, the median stock trade fee across the site is €0.

How do I get help from Moneyfarm?+

Support runs on email, phone and help centre, so you can reach the team by phone, email, chat or the help centre depending on the question. The help centre covers routine items, while phone and chat suit anything that needs a person. The UK entity you deal with is MFM Investment Ltd.

Sources

  • moneyfarm.com checked September 26, 2026

    Backs: Account types, Portfolio types

    “Includes all managed accounts: ISA, JISA, SIPP and GIA”

  • moneyfarm.com checked September 26, 2026

    Backs: Deposit protection, Markets

    “Choose your own investments from a wide range of stocks, ETFs, bonds and mutual funds”

  • moneyfarm.com/uk/cash-isa checked September 26, 2026

    Backs: Access terms, Account kind, Headline rate, Minimum deposit, Pricing model, Monthly fee, Rate type

    “Make up to three withdrawals or transfers out per year without impacting your boosted rate, and top up anytime, fee-free.”

  • moneyfarm.com/uk/contact-us checked September 26, 2026

    Backs: Minimum investment, Support channels

    “You'll need at least £500 (transfer or new contribution), but as a starting point we'd suggest £2,500 or more.”

  • moneyfarm.com/uk/isa checked September 26, 2026

    Backs: Management fee

    “Actively managed 0.45% Up to £50k ... 0.10% From £100k to £1.5 million ... No fees above £1.5 million”

  • moneyfarm.com/uk/legal-and-regulatory checked September 26, 2026

    Backs: Headquarters, Investor protection, Legal entity, Regulators, Licences

    “The term MFM INVESTMENT Limited, 'Moneyfarm' or 'us' or 'we' refers to the owner of the website whose registered office is 90-92 Pentonville Road, London N1 9HS.”

  • moneyfarm.com/uk/pricing checked September 26, 2026

    Backs: Deposit and withdrawal fees, Currency conversion fee, Stock trade fee

    “You won't pay - Withdrawal - Top-ups”

Compiled from 7 source pages, checked September 26, 2026. We did not open an account.

Moneyfarm

Moneyfarm

One brand for a variable Cash ISA and a managed ISA or SIPP, with a free monthly fee.

9.1/10See alternatives