Updated September 29, 2026 · SumCue Editorial Team
Moneyfarm vs Trading 212
Moneyfarm
Trading 212
Higher score in this comparison
Moneyfarm vs Trading 212: the differences
| Compare | MoneyfarmReviewSee alternativesSee alternatives | Trading 212ReviewSee alternativesSee alternatives |
|---|---|---|
| Minimum deposit | £500 | £1Lower |
| Stock trade fee | £3.95 | £0Lower |
| Markets | Stocks, ETFs, Bonds, Funds | Stocks, ETFs, Forex, CFDs |
| Regulators | Financial Conduct Authority | Financial Conduct Authority, Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC)Covers more |
| Account types | ISA, SIPP | ISA, SIPP, JointCovers more |
| Account fee | Not confirmed | £0 |
| Inactivity fee | Not confirmed | £0 |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
| Platforms | Not confirmed | Trading 212 App, Web Platform |
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
- Trading 212 scores higher overall: 9.3 vs 9.1.
- Regulators: only Trading 212 offers Cyprus Securities and Exchange Commission, Cyprus Securities and Exchange Commission (CySEC).
- Trading 212 is licensed in 1 more country.
- Minimum deposit is lower at Trading 212: £1 vs £500.
- Stock trade fee is lower at Trading 212: £0 vs £3.95.
- Markets: only Moneyfarm offers Bonds, Funds.
- Markets: only Trading 212 offers Forex, CFDs.
- Account types: only Trading 212 offers Joint.
- Support channels: only Moneyfarm offers Email, Phone, Chat.
- Pricing model: only Moneyfarm offers No monthly fee.
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.
Trading 212
Trading 212 suits UK beginners who want to start small and pay nothing to hold or trade. Stock trades cost £0, the account fee is £0, deposits start at £1, and help runs through help centre only, with no phone or chat route for anyone who needs a person.
Score breakdown
| Area | Moneyfarm | Trading 212 |
|---|---|---|
| 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%. | 9.3HigherStock trade fee of £0 and account fee of £0, with no inactivity charge of £0 and a minimum deposit of £1. |
| Offer | 9.7Higher | 8.9 |
| Trust | 8.7 | 9.4Higher |
Where each is licensed and available
| Country | Moneyfarm | Trading 212 |
|---|---|---|
| United Kingdom | Financial Conduct Authority 629539 | |
| Cyprus | Not confirmed | Cyprus Securities and Exchange Commission (CySEC) MiCA CASP 21380045KC28948FNE32 |
Positions in our rankings
| Ranking | Moneyfarm | Trading 212 |
|---|---|---|
| Savings | 381 of 1492 | 241 of 1492 |
| Savings accounts | 254 of 658 | 166 of 658 |
| Investing | 172 of 654 | 110 of 654 |
| Stock and ETF brokers | 128 of 358 | 75 of 358 |
| Cash ISAs | 5 of 11 | 3 of 11 |
| Stocks and shares ISAs | 6 of 25 | 4 of 25 |
| Pensions and SIPPs | 4 of 23 | 2 of 23 |
Choosing between them
Pick Moneyfarm if offer matter most.
Pick Trading 212 if trust, minimum deposit, stock trade fee, and regulators matter most.
What we checked
Moneyfarm
- moneyfarm.com: 12 facts, checked September 26, 2026
Trading 212
- en.wikipedia.org: 13 facts, checked September 26, 2026
- esma.europa.eu: 2 facts, checked September 26, 2026
- helpcentre.trading212.com: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Moneyfarm | Trading 212 |
|---|---|---|
| Features | Not confirmed | Fractional shares, Demo account, Mobile app |
| Pricing model | No monthly fee | Commission free |
| Audience | Not confirmed | Beginners |
| Legal entity | MFM Investment Ltd | Trading 212 Markets Ltd |
| Headquarters | United Kingdom | Cyprus |
| Founded | Not confirmed | 2006 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Help centre |
Savings
| Fact | Moneyfarm | Trading 212 |
|---|---|---|
| Headline rate | 3.87% | Not confirmed |
| 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 | Flexible Cash ISA with instant access; withdraw and add money at any time, interest paid monthly |
| Monthly fee | £0 | Not confirmed |
| Account kind | ISA | ISA |
Where each stands against the rest
| Fact | Moneyfarm | Trading 212 | Median |
|---|---|---|---|
| Minimum deposit | £500highest quarter | £1below the median | £15 |
| Stock trade fee | £3.95above the median | £0at the median | £0 |
| Account fee | Not confirmed | £0at the median | £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%.
Trading 212
Pros
- Stock trades cost £0 and the account fee is £0, so holding a portfolio costs nothing
- The inactivity fee is £0, so a dormant account is not quietly charged
- The minimum deposit is £1, far below the €10 bunq asks
Cons
- Support runs on help centre only, so there is no live phone or chat route
- Trading 212 Markets Ltd is authorised by the Cyprus Securities and Exchange Commission on MiCA CASP 21380045KC28948FNE32, so the Financial Conduct Authority is not the only supervisor involved
- Markets cover stocks, etfs and forex, which leaves funds, bonds and options outside the range offered here
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.
Trading 212
Who it suits
- Beginners opening a first UK investing account
- Savers who want tax-free cash in a flexible Cash ISA
- Small regular investors using fractional shares in small amounts
Who should look elsewhere
- Anyone who wants a phone line, since support runs on help centre only
- Readers wanting a lower entry amount than £1, since CFI asks $0
Country by country
| Country | Moneyfarm | Trading 212 |
|---|---|---|
| Italy | Yes | No |
| United Kingdom | Yes | No |
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%.
Trading 212
How much does it cost to open and hold an account?+
The account fee is £0 and the stock trade fee is £0, so there is no charge to hold or to trade. It ranks 1 of 142 on account fee in our data. The only other cost line recorded is the inactivity fee at £0.
What is the smallest amount I can start with?+
The minimum deposit is £1, which puts the entry point low. That ranks 83 of 218 on our minimum deposit data. For comparison, bunq asks a minimum deposit of €10, so Trading 212 asks less of a first deposit than bunq does.
Other options to compare
Other matchups
Moneyfarm
Trading 212