Moneybox vs Moneyfarm: Which is better in 2026?
A side-by-side comparison of fees, accounts, investment range, and ratings. Updated March 2026.
Not financial advice. Capital at risk. Fees verified March 2026.
Quick verdict
- Moneybox wins on higher user ratings.
Platform overview
Moneybox
Round-up savings app turned full investment platform. Covers ISAs, LISAs, SIPPs and Junior ISAs, built for investors who want things to feel simple.
Moneyfarm
Digital wealth manager that builds and runs ETF portfolios based on your risk profile. Sits firmly in robo-adviser territory for investors who want a fully hands-off approach.
Fees compared
| Fee type | Moneybox | Moneyfarm |
|---|---|---|
| Annual platform fee | 45%/yr | 75%/yr |
| Share/ETF trading fee | – | – |
| FX fee | Free | Free |
| Exit fee | Free | Free |
| Interest on cash | 4.5% | 3.5% |
Accounts & investments
| Feature | Moneybox | Moneyfarm |
|---|---|---|
| Stocks & Shares ISA | ✓ | ✓ |
| SIPP (pension) | ✓ | ✓ |
| Lifetime ISA (LISA) | ✓ | ✓ |
| Junior ISA | ✓ | ✓ |
| General Investment Account | ✓ | ✓ |
| ETFs | – | – |
| Funds | ✓ | – |
| Individual shares | – | – |
| Managed portfolios | ✓ | ✓ |
| Fractional shares | – | – |
Ratings & support
| Metric | Moneybox | Moneyfarm |
|---|---|---|
| App Store rating | 4.6 / 5 | 4.3 / 5 |
| Trustpilot rating | 4.4 / 5 | 4.2 / 5 |
| Phone support | – | ✓ |
| FSCS protected | ✓ | ✓ |
| Minimum investment | £1 | £500 |
| Founded | 2015 | 2011 |
Common questions
Can I transfer my ISA from Moneybox to Moneyfarm?
Yes, ISA transfers are a legal right in the UK. You can initiate a transfer via your new provider without losing your ISA allowance or tax-free status. Check whether your current provider charges an exit fee first.
Which is better for a beginner?
Both platforms cater to varying experience levels. Look at each platform's app ratings and minimum investment requirements to find the closest match for your criteria.
Are both platforms safe and regulated?
Yes. Both Moneybox and Moneyfarm are FCA-regulated and FSCS-protected up to £85,000. Your investments are held in your name and kept separate from the company's own assets.
Can I hold a SIPP on both platforms?
Yes, both Moneybox and Moneyfarm offer a SIPP. Compare the platform fee above to see which is cheaper for your pension pot size.