Updated September 28, 2026 · SumCue Editorial Team
Moneyfarm vs Police Friendly
Moneyfarm
Higher score in this comparison
Police Friendly
What sets them apart
| Compare | MoneyfarmReviewSee alternativesSee alternatives | Police FriendlyReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £500 | £50Lower |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | Stocks, Funds |
| Regulators | Financial Conduct Authority | Financial Conduct Authority / Prudential Regulation Authority |
| Deposit and withdrawal fees | Free deposits and withdrawals | 25% government charge on non-qualifying withdrawals |
| Account types | ISA, SIPP | ISA, Lisa, Jisa |
| Stock trade fee | £3.95 | Not confirmed |
| Currency conversion fee | 0.7% | Not confirmed |
Same on both: 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 9.0.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Police Friendly offers Financial Conduct Authority / Prudential Regulation Authority.
- Moneyfarm is available in 1 more country.
- Minimum deposit is lower at Police Friendly: £50 vs £500.
- Markets: only Moneyfarm offers ETFs, Bonds.
- Account types: only Moneyfarm offers SIPP.
- Account types: only Police Friendly offers Lisa, Jisa.
- Support channels: only Moneyfarm offers Help centre, 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.
Police Friendly
Police Friendly runs a UK stock and shares ISA, LISA and JISA range from £50, run by Metropolitan Police Friendly Society Limited. It suits savers building a tax sheltered pot in stocks and funds who value a named legal entity and FSCS cover, and who can leave the money invested.
Score breakdown
| Area | Moneyfarm | Police Friendly |
|---|---|---|
| Cost | 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%. | 8.7Opening a stocks and shares ISA, LISA or JISA needs £50, and a non qualifying withdrawal carries 25% government charge on non-qualifying withdrawals. |
| Offer | 9.7Higher | 9.0 |
| Trust | 8.7 | 9.2Higher |
Licences and countries
| Country | Moneyfarm | Police Friendly |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 |
Available in 1 country for both. Additional countries for Moneyfarm: 1.
Where they rank in our lists
| Ranking | Moneyfarm | Police Friendly |
|---|---|---|
| Investing | 172 of 654 | 210 of 654 |
| Stock and ETF brokers | 128 of 358 | 153 of 358 |
| Stocks and shares ISAs | 6 of 25 | 7 of 25 |
A third option
Hargreaves Lansdown has minimum deposit at £0, against £500 for Moneyfarm and £50 for Police Friendly.
Hargreaves Lansdown reviewEvery fact side by side
| Fact | Moneyfarm | Police Friendly |
|---|---|---|
| Pricing model | No monthly fee | Not confirmed |
| Legal entity | MFM Investment Ltd | Metropolitan Police Friendly Society Limited |
| Headquarters | United Kingdom | United Kingdom |
| Founded | Not confirmed | 1893 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Email, Phone |
Savings
| Fact | Moneyfarm | Police Friendly |
|---|---|---|
| Headline rate | 3.87% | Not confirmed |
| Rate type | Variable | Not confirmed |
| Deposit protection | FSCS up to GBP 85,000 | Not confirmed |
| Access terms | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime | Not confirmed |
| Monthly fee | £0 | Not confirmed |
| Account kind | ISA | Not confirmed |
Where each stands against the rest
| Fact | Moneyfarm | Police Friendly | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £50above the median | £15 |
| Stock trade fee | £3.95above the median | Not confirmed | £0 |
| Currency conversion fee | 0.7%above the median | Not confirmed | 0.4% |
Median across 77 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%.
Police Friendly
Pros
- Three tax sheltered options in one place: an ISA, a LISA and a JISA
- Low entry point at £50 to open
- Stocks and funds available to invest through stocks and funds
Cons
- A non qualifying withdrawal is hit by 25% government charge on non-qualifying withdrawals
- Investments are limited to stocks and funds, with no wider market list given
- Support runs on email and phone only
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.
Police Friendly
Who it suits
- UK savers building a tax sheltered pot for the long term
- Parents saving for a child through the JISA account type
- Savers who want a named legal entity behind the account
Who should look elsewhere
- People trading shares frequently, since investable markets run to stocks and funds
- Anyone likely to need the money early, because of 25% government charge on non-qualifying withdrawals
Current offers
Police Friendly
Current offer
Bonus
Open a Lifetime ISA - Earn up to GBP50 in Gift Cards: Up to GBP50 gift card
Pay GBP100 or more per month, or GBP50+ with Escalator; GBP30-99 gets GBP25; quote AUTUMN26
Source, checked September 26, 2026
Country by country
| Country | Moneyfarm | Police Friendly |
|---|---|---|
| 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%.
Police Friendly
What accounts can I open with Police Friendly?+
You can open an individual savings account, a lifetime individual savings account or a junior individual savings account. The range is listed at isa, lisa and jisa. The account runs under Metropolitan Police Friendly Society Limited.
How much do I need to put in to start?+
The minimum deposit is £50, which is a low starting point for a tax sheltered account. Once the account is open you can invest that money in the assets listed at stocks and funds.
Other options to compare
Other matchups
Moneyfarm
Police Friendly