Updated October 21, 2026 · SumCue Editorial Team
Moneyfarm vs Plum
Moneyfarm
Higher score in this comparison
Plum
Moneyfarm vs Plum: the differences
| Compare | MoneyfarmReviewSee alternativesSee alternatives | PlumReviewSee alternativesSee alternatives |
|---|---|---|
| Management fee | 0.1% to 0.45%Lower | 0.15% to 0.6% |
| Minimum investment | £500 | £1Lower |
| Account types | ISA, SIPP | ISA, SIPP, LisaCovers more |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF, Cash |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.9.
- Moneyfarm is available in 1 more country.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.15% to 0.6%.
- Minimum investment is lower at Plum: £1 vs £500.
- Account types: only Plum offers Lisa.
- Portfolio types: only Moneyfarm offers ESG, Crypto.
- Support channels: only Moneyfarm offers Phone, Chat.
Our verdict on each
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.
Plum
Plum suits beginners in the UK who want to start small and pay nothing to deal, with a minimum deposit of £2. The trade-off is a short market list, confined to stocks, etfs and funds, and an overall score of 6.5 that leaves the case resting on price rather than choice.
Score breakdown
| Area | Moneyfarm | Plum |
|---|---|---|
| Cost | 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%. | 9.3HigherCosts are the strongest suit: account fee £0, stock trade fee £0, management fee 0.15% to 0.6%. |
| Offer | 9.7Higher | 8.9 |
| Trust | 8.7Higher | 8.5 |
Ranges side by side
| Fact | Moneyfarm | Plum |
|---|---|---|
| Management fee | 0.1% to 0.45% | 0.15% to 0.6% |
Positions in our rankings
| Ranking | Moneyfarm | Plum |
|---|---|---|
| Savings | 381 of 1492 | 563 of 1492 |
| Savings accounts | 254 of 658 | 372 of 658 |
| Investing | 172 of 654 | 243 of 654 |
| Stock and ETF brokers | 128 of 358 | 176 of 358 |
| Robo-advisors | 46 of 154 | 68 of 154 |
| Stocks and shares ISAs | 6 of 25 | 9 of 25 |
| Pensions and SIPPs | 4 of 23 | 6 of 23 |
Pick Moneyfarm if, pick Plum if
Pick Moneyfarm if offer, management fee, and portfolio types matter most.
Pick Plum if minimum investment and account types matter most.
Side by side, item by item
| Portfolio types | Moneyfarm | Plum |
|---|---|---|
| ETF | Yes | Yes |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | Yes | No |
| Account types | Moneyfarm | Plum |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | Yes |
Every fact side by side
| Fact | Moneyfarm | Plum |
|---|---|---|
| Legal entity | MFM Investment Ltd | Plum Fintech Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 2016 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Help centre |
Brokers
| Fact | Moneyfarm | Plum |
|---|---|---|
| Minimum deposit | £500 | £2Lower |
| Stock trade fee | £3.95 | £0Lower |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, ETFs, Funds |
| Features | Not confirmed | Fractional shares, Mobile app |
| Pricing model | No monthly fee | Commission free |
| Audience | Not confirmed | Beginners |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Mobile app |
Savings
| Fact | Moneyfarm | Plum |
|---|---|---|
| Headline rate | 3.87%Higher | 3.05% to 3.65% |
| Rate type | Variable | Variable |
| Deposit protection | FSCS up to GBP 85,000 | FSCS up to GBP 85,000 |
| Access terms | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime | Same day access, no lock-in, no notice period |
| Monthly fee | £0 | £0 |
| Account kind | ISA | Easy access |
Where each stands against the rest
| Fact | Moneyfarm | Plum | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0.15% to 0.6%below the median | 0.35 |
| Minimum investment | £500above the median | £1below the median | £50 |
Median across 86 listed providers.
Pros and cons
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%.
Plum
Pros
- Fractional shares are offered, so £2 is enough to hold a slice of a company rather than whole shares.
- Eligible money is covered by the protection scheme, with the ceiling given as FSCS up to GBP 85,000.
- The account types cover isa, sipp and lisa, so investing, retirement saving and a home deposit pot sit with the same provider.
Cons
- Markets stop at stocks, etfs and funds, so there is no dealing in listed bonds, overseas currency or crypto through the account.
- Help runs on email and help centre only, so a stuck withdrawal or transfer has no phone route.
- Managed portfolios charge 0.15% to 0.6%, which takes a slice from every pot you hand over.
Who each suits
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.
Plum
Who it suits
- Beginners in the UK who want to begin with £2 and see share dealing in plain terms.
- Investors building an ISA or pension habit on a phone, since access runs through Mobile app.
- Anyone happy with a market list of stocks, etfs and funds for a starter portfolio.
Who should look elsewhere
- eToro is the place to check if the market list here, stocks, etfs and funds, is too tight for what you want to trade.
- bunq if you are starting from a €10 minimum rather than buying shares.
- cfi if you want no minimum deposit, since its floor is $0 against £2 here.
Country by country
| Country | Moneyfarm | Plum |
|---|---|---|
| Italy | Yes | No |
| United Kingdom | Yes | Yes |
Questions about each
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%.
Plum
What does it cost to trade and hold with Plum?+
Dealing is commission-free and the stock trade fee is listed as £0. The account fee is £0 and the monthly subscription is £0, so holding an account costs nothing. Managed portfolios are the exception, charging 0.15% to 0.6% on the money you put into them. That covers the charging picture on the investment side.
Is my money protected if something goes wrong?+
Eligible investments sit under the protection scheme, and the stated ceiling is given as FSCS up to GBP 85,000. Cash held in the app is listed the same way under FSCS up to GBP 85,000. The figure is a limit rather than a promise of returns, and it applies to eligible money rather than to every balance on the account. Read the terms for the eligibility conditions before you rely on it.
Other options to compare
Other matchups
Moneyfarm
Plum