Updated September 28, 2026 · SumCue Editorial Team
Moneyfarm vs Raisin
Moneyfarm
Higher score in this comparison
Raisin
What sets them apart
| Compare | MoneyfarmReviewSee alternativesSee alternatives | RaisinReviewSee alternativesSee alternatives |
|---|---|---|
| Management fee | 0.1% to 0.45% | 0%Lower |
| Minimum investment | £500 | $1 |
| Regulators | Financial Conduct Authority | Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76) |
| Investor protection | FSCS up to GBP 85,000 | EU ICS up to EUR 20,000 |
| Account types | ISA, SIPPCovers more | ISA |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | Cash |
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.8.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Raisin offers Bezirksamt Friedrichshain Kreuzberg (financial investment intermediary register, registration D F 107 QQ43 76).
- Raisin is available in 8 more countries.
- Management fee is lower at Raisin: 0% vs 0.1% to 0.45%.
- Account types: only Moneyfarm offers SIPP.
- Portfolio types: only Moneyfarm offers ETF, ESG, Crypto.
- Support channels: only Moneyfarm offers 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.
Raisin
Raisin is a savings marketplace with an easy-access account, an ISA and no monthly charge, so it suits UK savers who want one place to hold cash. Its headline rate of 4.15% sits above the 3% median across the site, and the minimum deposit starts at £100.
Score breakdown
| Area | Moneyfarm | Raisin |
|---|---|---|
| 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%. | 8.8Account fee and monthly fee are £0 and £0, and the headline rate of 4.15% sits above the site median of 3%. |
| Offer | 9.7Higher | 8.9 |
| Trust | 8.7 | 8.7 |
Side by side, item by item
| Portfolio types | Moneyfarm | Raisin |
|---|---|---|
| ETF | Yes | No |
| ESG | Yes | No |
| Cash | Yes | Yes |
| Crypto | Yes | No |
| Account types | Moneyfarm | Raisin |
|---|---|---|
| ISA | Yes | Yes |
| SIPP | Yes | No |
What it costs in practice
10,000 invested for a year
Moneyfarm
10 to 45
0.1% to 0.45% of 10,000
Raisin
0
0% of 10,000
Raisin comes out 10 lower in this example.
Worked out from the stated prices and rates; your own total depends on how you use it. Facts checked September 26, 2026.
Pick Moneyfarm if, pick Raisin if
Pick Moneyfarm if cost, offer, account types, and portfolio types matter most.
Pick Raisin if management fee matter most.
Availability and regulation
| Country | Moneyfarm | Raisin |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 | Not confirmed |
Available in 1 country for both. Additional countries for Moneyfarm: 1. Additional countries for Raisin: 9.
How they place
| Ranking | Moneyfarm | Raisin |
|---|---|---|
| Savings | 381 of 1492 | 641 of 1492 |
| Savings accounts | 254 of 658 | 425 of 658 |
| Investing | 172 of 654 | 280 of 654 |
| Robo-advisors | 46 of 154 | 85 of 154 |
| Stocks and shares ISAs | 6 of 25 | 12 of 25 |
Every fact side by side
| Fact | Moneyfarm | Raisin |
|---|---|---|
| Legal entity | MFM Investment Ltd | Raisin SE |
| Headquarters | United Kingdom | Germany |
| Founded | Not confirmed | 2012 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Phone, Email, Help centre |
Brokers
| Fact | Moneyfarm | Raisin |
|---|---|---|
| Minimum deposit | £500 | £100Lower |
| Stock trade fee | £3.95 | Not confirmed |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, ETFs, Bonds, Funds | Not confirmed |
| Pricing model | No monthly fee | No monthly fee |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
Savings
| Fact | Moneyfarm | Raisin |
|---|---|---|
| Headline rate | 3.87% | 4.15%Higher |
| 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 | Easy access savings account on the Raisin UK marketplace: top up and withdraw at your convenience, no fixed term |
| Monthly fee | £0 | £0 |
| Account kind | ISA | Easy access |
Where each stands against the rest
| Fact | Moneyfarm | Raisin | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0%lowest quarter | 0.35 |
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%.
Raisin
Pros
- The account fee and monthly fee are £0 and £0, so holding cash costs nothing
- The headline rate of 4.15% is above the site median of 3%
- The account is easy access, so you can top up and withdraw with no fixed term
Cons
- Protection on investments is EU ICS up to EUR 20,000, well below the FSCS up to GBP 85,000 that covers savings
- The rate is variable, so the headline figure can move
- The minimum deposit of £100 is above the €0.88 median across the site
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.
Raisin
Who it suits
- UK savers who want a variable rate and no monthly charge
- Anyone holding an ISA who values easy access over a fixed term
- Savers comfortable choosing a marketplace rather than a single bank's savings account
Who should look elsewhere
- Vantage or eToro readers who want to pick and trade investments rather than hold savings
- Vivid Plus readers who want a multi-currency account with a card
- Anyone whose balance sits above the protection on investments
Current offers
Raisin
Current offer
Bonus
Earn up to $1,000 cash bonus: up to $1,000
New customers only, qualifying balances, code STACK
Source, checked September 26, 2026
Country by country
| Country | Moneyfarm | Raisin |
|---|---|---|
| Austria | No | Yes |
| Finland | No | Yes |
| France | No | Yes |
| Germany | No | Yes |
| Ireland | No | Yes |
| Italy | Yes | No |
| Netherlands | No | Yes |
| Poland | No | Yes |
8 of 11 countries where either is available.
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%.
Raisin
What rate does Raisin pay on its easy-access savings account?+
The easy-access account pays a variable rate of 4.15%. Because the rate type is variable, that figure can change, so the headline number is a starting point rather than a promise. The account carries no fixed term.
Is there any monthly or account fee at Raisin?+
No. The account fee is £0 and the monthly fee is £0, so there is no monthly charge on the easy-access account. The account kind is easy access, which suits a no monthly fee model.
Other options to compare
Other matchups
Moneyfarm
Raisin