If you are looking for a good online investment platform to invest your money with, you may be weighing up Wealthify and Moneyfarm. If you are new to investing or have limited time to manage your wealth, a robo-adviser can be a good choice. In this article, we compare the key features of these two options to help you find the best one for you.
We also provide details of the offers our readers can enjoy with Moneyfarm*, with the potential for them to manage your money for free for the first 12 months (terms and conditions apply).
Wealthify vs Moneyfarm - which is better?
In the table below, we've outlined the key differences between Wealthify and Moneyfarm to help you make a decision.
Key features of Wealthify vs Moneyfarm
| Wealthify | Moneyfarm Fully Managed | |
| Minimum investment | £1,000 (£500 for JISA) | £500 |
| Management Fees | ISA, General Investment Account (GIA) & Junior ISA - 0.60% flat fee
SIPP - 0.60% up to £100,000, then 0.30% for any portion of a portfolio over £100,000
Additional underlying fund charges apply |
£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 |
| Products | ISA, General Investment Account, Junior ISA and SIPP | ISA, General Investment Account, Junior ISA and SIPP |
| Number of portfolios | 5 | 7 |
| Ethical portfolios | 5 | 7 |
| Other options | N/A | Thematic investing, Liquidity Plus (money market funds), Share investing |
| Customer reviews (Trustpilot) | 4.4 | 4.2 |
| Money to the Masses offer | N/A | No management fees for 12 months (terms and conditions apply)* |
Wealthify vs Moneyfarm - minimum investment
If you are keen to try a robo-adviser but don't want to tie up too much money initially, Moneyfarm requires a minimum investment of £500, whereas Wealthify requires £1,000. Those wanting to invest in a JISA can do so from £500 with both Wealthify and Moneyfarm.
Wealthify vs Moneyfarm - fees
If you have a smaller amount invested, Wealthify, with has a flat management fee of 0.60% for its ISA, General Investment Account and Junior ISA and so is likely to work out cheaper than Moneyfarm. If you have up to £50,000 invested with Moneyfarm you will pay 0.70%, with the platform only working out to be cheaper than its rival Wealthify with pots over £80,000. In both cases, you will have to pay the cost of the underlying investments in addition to the stated management fees. If you are looking to invest in a SIPP, then Wealthify works out cheaper thanks to a recent change to its fee structure. For its pension, it now charges a flat fee of 0.60% up to £100,000 and then 0.30% for any portion of a portfolio over £100,000.
Wealthify vs Moneyfarm - products
With Moneyfarm having recently launched a Junior ISA*, both platforms now have the same range of wrappers available. If you are specifically interested in a JISA, it may be worth checking out our round-up of the best JISAs in the UK, which includes Moneyfarm's new product.
Wealthify vs Moneyfarm - portfolios
While Wealthify has 5 risk-rated portfolios, ranging from Cautious through to Adventurous, Moneyfarm has a broader spectrum, with fully managed and 7 fixed allocation portfolios. With the asset allocation varying according to the investors' risk appetite, the Moneyfarm range has slightly more nuance and may be better suited to those who have a stronger opinion on how much exposure they want to riskier assets, specifically equities. Moneyfarm also has a broader range of alternative investing options with access to Thematic investing, share investing and a Liquidity Plus portfolio.
Wealthify vs Moneyfarm - ethical portfolios
As demand for ethical investments grows, both Wealthify and Moneyfarm have developed ethical portfolios that sit alongside their main ranges. As with the original portfolios they follow the same risk-rating system, but are exclusively populated with passive funds with a SRI or ESG focus. As such, Wealthify has 5 ethical portfolios to choose from, while Moneyfarm has 7 fully managed and 7 fixed allocation portfolios.
Wealthify vs Moneyfarm - performance
As each platform has a different number of portfolios available, it is difficult to draw direct comparisons across the ranges. However, for the purpose of achieving an overview of how they performed in 2025, the table below shows the returns of Wealthify's portfolios, alongside the nearest comparable portfolios from Moneyfarm.
Comparison of Wealthify and Moneyfarm Performance 2025
| Wealthify performance 2025 | Moneyfarm performance 2025 | |
| Wealthify Cautious vs Moneyfarm Portfolio 2 | 6.08% | 6.30% |
| Wealthify Tentative vs Moneyfarm Portfolio 3 | 8.02% | 7.70% |
| Wealthify Confident vs Moneyfarm Portfolio 4 | 9.93% | 9.60% |
| Wealthify Ambitious vs Moneyfarm Portfolio 5 | 11.58% | 11.30% |
| Wealthify Adventurous vs Moneyfarm Portfolio 6 | 12.95% | 13.80% |
In terms of recent performance, Moneyfarm has slightly outperformed Wealthify on the lower and high risk portfolios, whereas Wealthify's medium risk portfolios have performed slightly better than Moneyfarm's equivalent portfolios. However, this is just a recent snapshot and it is important to remember that past performance isn't always a guide to future performance. We have provided a more detailed analysis of performance, going back five years, in our article "Which is the best performing stocks and shares ISA?".
Summary: Wealthify vs Moneyfarm
If you are looking for the widest range of investment portfolios, Moneyfarm offers more choices. It has also introduced 'Wealth' tiers, designed to provide additional support and guidance, with access to an investment consultant or wealth manager for those on the 'Premium' and 'Private' tiers. However, if you are simply looking for the cheapest robo-adviser, Wealthify is cheaper than Moneyfarm if you have a portfolio worth £80,000 or less.
When investing, your capital is at risk and you may get back less than invested. Past performance doesn’t guarantee future results.
If a link has an * beside it this means that it is an affiliated link. If you go via the link Money to the Masses may receive a small fee which helps keep Money to the Masses free to use. But as you can clearly see this has in no way influenced this independent and balanced review of the product. The following link can be used if you do not wish to help Money to the Masses or take advantage of any exclusive offers - Moneyfarm
MTTM AI (beta) 
