Updated September 28, 2026 · SumCue Editorial Team
Moneyfarm vs Vanguard Investor UK
Moneyfarm
Higher score in this comparison
Vanguard Investor UK
Where Moneyfarm and Vanguard Investor UK differ
| Compare | MoneyfarmReviewSee alternativesSee alternatives | Vanguard Investor UKReviewSee alternativesSee alternatives |
|---|---|---|
| Management fee | 0.1% to 0.45%Lower | 0.2% |
| Regulators | Financial Conduct Authority | Financial Conduct Authority (FCA) |
| Account types | ISA, SIPP | ISA, SIPP, JisaCovers more |
| Portfolio types | ETF, ESG, Cash, CryptoCovers more | ETF |
Same on both: Minimum investment (£500), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Moneyfarm scores higher overall: 9.1 vs 8.8.
- Regulators: only Moneyfarm offers Financial Conduct Authority.
- Regulators: only Vanguard Investor UK offers Financial Conduct Authority (FCA).
- Moneyfarm is available in 1 more country.
- Management fee is lower at Moneyfarm: 0.1% to 0.45% vs 0.2%.
- Account types: only Vanguard Investor UK offers Jisa.
- Portfolio types: only Moneyfarm offers ESG, Cash, Crypto.
- Support channels: only Moneyfarm offers Email, 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.
Vanguard Investor UK
Vanguard Investor UK is a low-cost, fund-first platform for beginners, charging a management fee of 0.2% a year on ISA, SIPP and JISA accounts. It suits savers who want a set-and-forget portfolio, though the account fee of £48 makes it weaker for those who trade in small, frequent amounts.
Score breakdown
| Area | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| 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%. | 8.2Management fee of 0.2% against a site median of 0.35%, plus an account fee of £48. |
| Offer | 9.7Higher | 8.8 |
| Trust | 8.7 | 9.2Higher |
How they place
| Ranking | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| Investing | 172 of 654 | 287 of 654 |
| Stock and ETF brokers | 128 of 358 | 209 of 358 |
| Robo-advisors | 46 of 154 | 89 of 154 |
| Stocks and shares ISAs | 6 of 25 | 13 of 25 |
| Pensions and SIPPs | 4 of 23 | 9 of 23 |
If neither fits
eToro has management fee at 0%, against 0.1% to 0.45% for Moneyfarm and 0.2% for Vanguard Investor UK.
eToro reviewEvery fact side by side
| Fact | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| Legal entity | MFM Investment Ltd | Vanguard Asset Management |
| Headquarters | United Kingdom | Not confirmed |
| Founded | Not confirmed | 1975 |
| Support channels | Email, Phone, Help centre, ChatCovers more | Phone |
Brokers
| Fact | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| Minimum deposit | £500 | £500 |
| Stock trade fee | £3.95 | Not confirmed |
| Account fee | Not confirmed | £48 |
| Markets | Stocks, ETFs, Bonds, FundsCovers more | ETFs, Funds |
| Pricing model | No monthly fee | Low fees |
| Audience | Not confirmed | Beginners |
| Currency conversion fee | 0.7% | Not confirmed |
| Deposit and withdrawal fees | Free deposits and withdrawals | Not confirmed |
Savings
| Fact | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| 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 | Vanguard Investor UK | Median |
|---|---|---|---|
| Management fee | 0.1% to 0.45%lowest quarter | 0.2%below the median | 0.35 |
| Minimum investment | £500above the median | £500above 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%.
Vanguard Investor UK
Pros
- ISA, SIPP and JISA are all available, as isa, sipp and jisa shows, so one platform covers a pension, a junior account and a tax-free wrapper.
- Regulated by the Financial Conduct Authority, per Financial Conduct Authority (FCA), with Financial Services Compensation Scheme cover on investments.
- Portfolios are built from ETFs, as etf shows, keeping the range in etfs and funds narrow and focused on funds and ETFs.
Cons
- The account fee of £48 a year ranks 125 of 142 brands on that measure.
- The minimum deposit of £500 sits at 192 of 218 brands compared, which is a high bar for a small first payment.
- Support runs on phone only, so anyone who prefers written or live chat help has a single route.
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.
Vanguard Investor UK
Who it suits
- Beginners who want a set-and-forget portfolio, matching the beginners focus in beginners.
- Savers who want a tax-free or pension wrapper, since ISA, SIPP and JISA sit in isa, sipp and jisa.
- Long-term investors who prefer broad funds and ETFs over single shares, per etfs and funds.
Who should look elsewhere
- Anyone after an active trading platform with a very low entry point: CFI takes a minimum deposit of $0 and suits traders rather than fund buyers.
- People who want a plain cash account instead of an investment account: bunq opens from a minimum deposit of €10 with no portfolio to hold.
- Borrowers rather than investors: Fiesta Credito MX is supervised by CONDUSEF, as CONDUSEF shows, and serves Mexican credit needs.
Country by country
| Country | Moneyfarm | Vanguard Investor UK |
|---|---|---|
| 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%.
Vanguard Investor UK
What does Vanguard Investor UK charge?+
The platform takes a management fee of 0.2% on your holdings, plus an account fee of £48 for the ISA, SIPP and JISA accounts listed in isa, sipp and jisa. The total charge therefore works out as a percentage of what you hold plus a flat amount each year, which is easy to compare with flat-fee rivals.
Is my money protected at Vanguard Investor UK?+
Vanguard Investor UK is regulated by the Financial Conduct Authority, as Financial Conduct Authority (FCA) shows, which means it must follow UK rules on client money. Investor protection runs through the Financial Services Compensation Scheme, covering eligible claims up to the cap the provider states rather than the full value of a portfolio.
Other options to compare
Other matchups
Moneyfarm
Vanguard Investor UK