Save or Invest? One place for both.

Maximise your new tax year with our Stocks & Shares ISA. Plus, enjoy a boosted 4.47% AER* on your savings with our brand-new Cash ISA.

Invest with a S&S ISA Save with a Cash ISA

While Moneyfarm isn’t a bank, your cash is securely held with trusted partners, authorised banks or Qualified Money Market Funds, ensuring it’s in safe hands.

*Variable rate correct as at 07/11/2025 Subject to conditions and ISA rules.

Invest. Relax. We manage it for you.

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Expert guidance and a portfolio tailored to you.

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Tax-free growth.

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Simple and transparent fees.

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Enjoy a 4.47% AER* with our Cash ISA.

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Tax-free growth.

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Earn daily interest.

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Flexible, accessible and secure.

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Choose what to invest in.

Whether you're saving for retirement, your child’s future, or just looking to grow your wealth, we offer a range of accounts tailored to your needs. From ISAs to Pensions, find the portfolio that fits your goals. Not sure which account is right for you?

What our clients say about us.

Trust is earned, not given. If you’re still unsure about Moneyfarm, discover what our clients are saying about us on Trustpilot.

Simpler investing starts here.

When you invest with us, we’re in it together. We’ll help you achieve your investment goals and turn your aspirations into a reality. Take the first step towards simpler, more accessible investing.

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Investments can go down in value as well as up, and you may get back less than you put in. See our full risk disclosure for details.

How Risk Varies by Product

We offer a range of investment options, each with unique risks:

Stocks and Shares ISAs: While offering tax efficiency, these are subject to market risk and the potential for capital loss.
Junior ISAs (JISAs): Funds are locked in until the child turns 18, and investment values may fluctuate over time.
Self-Invested Personal Pensions (SIPPs): Contributions and withdrawals have tax implications, and pension funds can decrease in value.
General Investment Accounts (GIAs): Flexible but exposed to market volatility and tax on gains.
Share Investing (Brokerage Accounts): Investments in individual stocks or shares carry high market risk, as prices can be volatile and are influenced by company performance and broader market conditions. Diversification is essential to help manage this risk.

Types of Investment Risk

Capital Risk: The value of your investments may decrease, meaning you could get back less than you invest.
- Market Risk: Prices of investments can fluctuate due to market conditions, economic changes, or global events.
- Inflation Risk: If your returns don’t outpace inflation, your buying power may decline over time.
- Liquidity Risk: Some investments may be harder to sell quickly without affecting their value.
- Performance Risk: Returns can vary between funds, even with similar objectives, depending on the strategy and market conditions.
- Interest Rate Risk: Changes in interest rates can impact investment returns, particularly for bonds and fixed-income securities.

Firm Failure & FSCS Protection

Moneyfarm is a FCA regulated investment firm and it is required to ring-fence all your money, which means legally binding agreements ensure that your money belongs to you and cannot be accessed or used by us, the bank or anyone else, even in the event of firm failure. In addition, as an investment firm, in the unlikely event of our collapse due to mismanagement or insolvency, if we are unable to return funds or assets, the FSCS covers losses up to £85,000 per person. Further information about FSCS protection is available here."

Save or Invest? One place for both.

Invest. Relax. We manage it for you.

Enjoy a 4.47% AER* with our Cash ISA.

Choose what to invest in.

Simpler investing starts here.

Stocks & Shares ISA

Cash ISA

Junior ISA

Pension (SIPP)

GIA