Deciding which is the best investment platform to invest your money in is not always easy. Should you consider an investment app or an online robo-adviser? In this article, we look at the key features of Moneybox and Moneyfarm* to help you work out which is the better option for you.
In addition, we also show you how you can save money with Moneyfarm* with our reader offer (terms and conditions apply).
Moneybox vs Moneyfarm - which is better?
| Moneybox | Moneyfarm | |
| Minimum investment | £1 | £500 |
| Management Fees | £1 monthly subscription (waived for first 3 months)
0.45% platform fee Additional underlying fund charges apply (No monthly subscription for SIPP, 0.45% platform fee up to £100,000, 0.15% over £100,000) |
For active management:
£500 to £50,000 - 0.70% (min £1.25 per month) £50,001 to £100,000 - 0.45% £100,001 to £1.5 million - 0.35% Over £1.5 million - 0.25% (Fee includes Platform fee of 0.25%) Additional underlying fund charges apply |
| Underlying investment charges (on average) | 0.12% to 0.74% | 0.21% (0.24% on ethical portfolios) |
| Products | Simple saver and notice accounts
Cash ISA Cash Lifetime ISA Stocks & Shares ISA, Stocks & Shares LISA, GIA and SIPP, Junior ISA |
ISA, GIA, Junior ISA, SIPP |
| Number of non-ethical portfolios | 3 | 7 managed portfolios, 7 fixed allocation portfolios & 1 Liquidity plus portfolio |
| Ethical portfolios | 3 | 7 |
| Other options | Invest in a small range of individual US shares | Thematic investing, Liquidity Plus (money market funds), Share investing |
| Trustpilot reviews | 4.4/5 based on 3,900+ reviews | 4.2/5 based on 6,100+ reviews |
| Money to the Masses offer | n/a | No management fees for 12 months (terms and conditions apply)* |
Moneybox vs Moneyfarm - minimum investment
While Moneybox doesn't have a minimum investment other than its monthly £1 subscription fee, which is waived in the first 3 months, Moneyfarm requires a minimum of £500 to open one of its accounts. For Moneybox's SIPP, there is no monthly subscription or minimum investment required.
Moneybox vs Moneyfarm - fees
Moneybox combines a monthly subscription fee (free for the first three months) with a platform fee of 0.45%. Moneyfarm, meanwhile, has a sliding scale of fees, ranging from 0.70% for investments up to £50,000 through to 0.25% for those investing over £1.5 million for their active management portfolios. Their fixed and liquidity portfolios are cheaper from the outset, with fixed portfolios costing a flat 0.40% irrespective of how much you have to invest and liquidity portfolios set at 0.30%. It is worth noting that there is no subscription charge for Moneybox's SIPP and the platform fee is 0.45% up to £100,000 and 0.15% for amounts over £100,000.
Interestingly, since Moneybox charges a subscription fee on top of a platform fee for its Stocks and Shares ISA, the cheapest provider changes depending on the amount you wish to invest. For example, Moneybox is marginally cheaper if you invest under £500, but then Moneyfarm is cheaper if you invest between £500 and £5,000. If you have over £5,000, then Moneybox is likely to work out cheaper and if you have a larger portfolio worth over £225,000, then Moneyfarm is once again the cheaper option.
Moneybox vs Moneyfarm - products
As a platform with both savings and investing products, Moneybox has a more comprehensive range than Moneyfarm, with 5 savings accounts, including a cash ISA, cash Lifetime ISA, as well as a stocks and shares ISA, GIA, LISA and SIPP. Moneyfarm, however, does have a wider range of investment options, allowing investors to choose a managed or fixed allocation portfolio as well as a choice of ethical portfolios. Investors can also invest in specific themes via its thematic investment option, choose a wide range of individual shares and even opt for a liquidity plus portfolio aimed at those with a short-term investment horizon or low attitude to risk. Those opting for Moneyfarm can invest via an ISA, GIA, Junior ISA and SIPP.
Moneybox vs Moneyfarm - portfolios
While Moneybox has greater product choice than Moneyfarm, it has a more pared-back range of portfolios, with 3 risk-rated options: Cautious, Balanced and Adventurous. By contrast, Moneyfarm has 7 risk-rated portfolios in both its fully managed and fixed allocation range.
Moneybox vs Moneyfarm - ethical portfolios
As more and more people look for ethical options when choosing where to invest their money, it is unsurprising that both Moneybox and Moneyfarm have ethical portfolios. They work in much the same way as their main ranges, with a risk-rated structure, but invest wholly in passive vehicles that invest from a SRI and/or ESG starting point.
Moneybox vs Moneyfarm - performance
The table below sums up Moneybox's performance versus Moneyfarm's performance across some of their portfolios.
Comparison of Moneybox and Moneyfarm returns in 2025
The table below highlights the performance of Moneybox and Moneyfarm ready-made portfolios at the end of 2025.
| Moneybox | Moneyfarm | |
| Moneybox Cautious vs Moneyfarm Portfolio 2 | 4.5% | 6.3% |
| Moneybox Balanced vs Moneyfarm Portfolio 4 | 9.6% | 9.6% |
| Moneybox Adventurous vs Moneyfarm Portfolio 7 | 10.7% | 15.5% |
As ever, it is important to remember that past performance isn't a guarantee of future performance.
Moneybox vs Moneyfarm - customer reviews
In 2025, Moneybox and Moneyfarm are both rated "Excellent" on Trustpilot. Customers gave Moneybox a 4.4 out of 5.0 rating based on more than 3,900 reviews, with 79% of reviewers giving it a 5-star rating. Only around 10% of reviewers gave it a 1-star rating. Moneyfarm had an overall score of 4.2 out of 5.0 based on more than 6,100 reviews with 57% of customers giving it a 5-star rating and only 6% giving it a 1-star rating.
Summary - Moneybox vs Moneyfarm
If you are attracted by the extra features offered by Moneybox, specifically the round-up feature that can help incrementally boost the amount you invest, as well as being comfortable with an app-only interface, it represents a good option. However, Moneyfarm may appeal more to those who value support in their investment journey as it offers the services of an investment consultant who can help you manage your portfolio over time. You can find out more about the role of the investment consultant by reading our full Moneyfarm review.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
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