Smarter money management, built around your goals.

We’re your Total Wealth Partner, helping you manage everything in one place, with support that grows as your goals do.

ManagedDIYSavings

How our pricing works

Actively managedFixed allocationLiquidity+

Management fee


Up to £50k	0.45%
From £50k to £100k	0.20%
From £100k to £1.5 million	0.10%
Above £1.5 million	No fees

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Your Total Wealth Partner.

Moneyfarm is your Total Wealth Partner, the home for all your investments, with support that grows as your goals evolve.

Whether you’re starting out or managing significant wealth, we offer expert-managed solutions, DIY investing, and savings. All with transparent pricing and human guidance, in one award-winning app.

Start investing

Meet your Wealth Manager.

In our Private tier, you get exclusive access to a Dedicated Qualified Wealth Manager for deeper conversations, personalised planning, and one complimentary Guidance+ session each year.

If you are in our Core or Premium tires and would like to access the benefits of the Private tier, you can choose to unlock it for £12.99/month. T&Cs apply.

“Thanks to my dedicated wealth manager at Moneyfarm, I finally feel confident about my financial future. Their tailored advice and ongoing support have helped me stay on track and achieve goals I once thought were out of reach.”

Laura Ritche, UK

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.

Team of investment consultants

Complimentary Guidance+ session per year

Qualified Wealth Manager

1000+ investment options

UK-based client service team


All managed portfolios (Min £1.25/month)	0,25%

The platform fee applies to all Wealth assets combined. VAT included where applicable.

Management fee


All investments	0.15%

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Platform fee


All managed portfolios (Min £1.25/month)	0,25%

The platform fee applies to all Wealth assets combined. VAT included where applicable.

Calculate my fees

Management fee


All investments	0.05%

Management fees are charged on your invested amount. You’ll also incur average fund costs (around 0.16% per year) and market spread effects (up to 0.05% per year).

Platform fee


All managed portfolios (Min £1.25/month)	0,25%

The platform fee applies to all Wealth assets combined. VAT included where applicable.

Calculate my fees

How our pricing works


Trades on Shares, ETFs & Mutual Funds	£3.95
Bonds	£5.95
Currency conversion	0.70%

If you have an ISA account, a yearly custody fee of just 0.35% applies (capped at £45 a year).

Calculate my fees

Investment risk refers to the potential for your investments to fluctuate in value. This can mean gains, but it can also mean losses. It’s the trade-off for seeking higher returns over time.

Managing Risk

At Moneyfarm, we work with you to tailor investments that match your financial goals, risk tolerance, and time horizon. Diversification is key: spreading investments across asset classes can help manage risk.

Past and Future Performance

Past Performance: Historical returns are not a guarantee of future outcomes.
- Simulated Performance: Any projections are illustrative and not reliable indicators of actual results.
- Future Performance: Forecasts are speculative and should not be relied upon as guarantees.

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.

Your Role as an Investor

Understanding your risk tolerance and financial objectives is crucial. Holding your investments over the long term can help mitigate short-term market fluctuations.

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."

Stocks and Shares ISA

General Investment

Managed GIA

Frequently Asked Questions.

What are the new Moneyfarm Wealth tiers?

Our new Wealth tiers are a service designed to grow with your evolving needs. Designed for our multi-product environment, it provides greater clarity on the services we offer and the associated fees, helping you understand more clearly what you are paying for.

Our new Wealth tiers are designed to be fair, clear, and rewarding. Recognising that as your financial portfolio grows (in value and complexity), your needs do too. Moneyfarm and our advisers will provide an invaluable partner to help you achieve long-term financial goals.

How do the new Wealth tiers work?

Our Wealth tiers is split into three: Core, Premium, and Private. Each tier offers increasing levels of advice and access – from automated digital advice in Core, to personalised guidance from Investment Consultants in Premium, to a dedicated Wealth Manager in Private. Your tier is based on the amount you have invested, making it easier to understand the service you’ll receive.

Will I still have access to human advisers?

Yes. Depending on your Wealth tier, you’ll have access to the right level of human support for you, from our UK-based client services team in the Core tier, to expert Investment Consultants in the Premium tier, and a dedicated Wealth Manager in the Private tier. All tiers benefit from the expertly managed Moneyfarm portfolios, which are regularly monitored and rebalanced.

How does this affect my existing investments?

Your investments will continue to be managed with the same care and expertise. The new Wealth tiers and pricing simply reflect a clearer, fairer way to align your service and fees with your investments.

What new products and features are included?

Since we started Moneyfarm in 2012, our purpose has been to make investing simple and accessible, but as your needs have evolved, so too has our commitment to offer more solutions, more personalisation and more value. That’s why we’ve invested significantly to expand our offering, introducing features like DIY investing, pension consolidation and the Cash ISA, alongside a broader range of investment options such as Thematics, Liquidity+ and ESG portfolios.

Why is Moneyfarm changing its pricing and service structure?

As Moneyfarm grows, we want to ensure our pricing is fair and transparent, and that our services evolve to help you build wealth confidently at every stage of your journey. We want to provide clear value and better support, tailored to your investment needs.

How will the new pricing model affect my fees?

We’ve introduced a simpler, more transparent pricing structure with clearly defined fee bands and a minimum platform fee. Fees will be linked directly to the products you have and your investment amount.

How do I contact Moneyfarm if I have questions?

You can reach our UK-based client services team via phone, email, or through the app. We’re ready to help with any questions about your account, the new Wealth service, or anything else you need.

What Moneyfarm accounts contribute to the Wealth tier calculation?

Your Wealth tier is determined by the total value of your managed investments held within your Moneyfarm account. This includes all funds in your managed investment portfolios, including ISA, JISA, GIA and SIPP, but excludes any DIY investing accounts or cash-only accounts (Cash ISA). By combining your eligible managed assets, we ensure your tier reflects the full scope of your relationship with Moneyfarm, so you receive the appropriate level of service and support for a competitive fee.

What happens if my portfolio grows or shrinks?

Your Wealth tier will automatically adjust as your invested assets change. This means you’ll always be in the Wealth tier that best matches your portfolio size and needs, ensuring you receive the right support at every stage.

How does the minimum fee work?

A minimum platform fee of £1.25 per month applies to cover the essential costs of securely managing your account. This helps us continue to provide a safe, reliable service for all clients, no matter the size of your investment.

Can I switch between Wealth tiers?

Your Wealth tier is primarily determined by your invested assets, so as your portfolio changes, your tier will update automatically. If you want to discuss your service level or have questions about switching, our team is here to help.

General Investment
Managed GIA