Moneyfarm Review

Moneyfarm is an investing platform with an online account and mobile app.  With Moneyfarm you can invest in ready made portfolios or define your own investments through DIY, self managed portfolios, investing into financial assets like; bonds, ETFs and stocks and shares of various companies.

Moneyfarm also provides investment advisers that can offer expert support at no extra cost if you want help deciding how and where to invest. Their consultants can help you align your investments to a risk level you are comfortable with at any time.

You can access, track and manage your Moneyfarm account via an online portal, accessed through their website (moneyfarm.com) and through the mobile phone app.

I’ve got an account with Moneyfarm, so I’m going to share my thoughts, detail what I like and highlight what to look out for and help you uncover some features you may find useful.

Pros and Cons of Investing with Moneyfarm

For a quick summary of our written review, see our pros and cons of investing with Moneyfarm or watch our video review.

Pros of Moneyfarm accounts

• FCA regulated European based investment firm
• Aligns managed investment options with your experience and attitude to risk
• Good range of investment options ETFs, Mutual Funds and Bonds
• Transparent fees, no exit withdrawal or top-up charges
• Good spread of investment accounts; Investment ISA, Junior ISA, pensions and generalised investing accounts
• User friendly and transparent investment performance tracking
• Detailed lists of investing history via the web platform

Drawbacks of Moneyfarm accounts

Here are some of the drawbacks of investing with Moneyfarm, or more specifically, areas we feel could be improved.

• Investment options are arguably limited to UK FTSE companies, individual US stocks aren’t an option
• Fees for active management aren’t the cheapest and, during times of market volatility, could feel costly
• No cash savings options, so no interest on uninvested cash
• Some details are missing from the mobile app
• Cannot quickly export or download investing or performance history, making P&L tracking more difficult than it should be

FSCS protections are offered on investments made with Moneyfarm up to £85,000 per person. This is either a benefit or a drawback depending on how much money you have to invest.

What is Moneyfarm?

An investment firm registered with the FCA as MFM Investment Ltd., with the reference number 629539, Moneyfarm is a European based digital investment firm. Moneyfarm’s offices are across; London (UK), Milan and Cagliari (Italy) Moneyfarm was founded in 2011 with the aim of pairing investors with investments appropriate to their savings goals and risk tolerance.

Moneyfarm achieves this with a short screening process as you open your account. This is so the business can understand your attitude to risk, how you’d respond to losing money and gauge your experience levels as an investor.

I recommend you answer these questions honestly, especially if you are new to investing to help see account options which offer a suitable introduction to investing.

As you become more familiar with how the markets and financial instruments work, you can switch to an account better suited to your needs.

Moneyfarm Video Review

If you’d prefer to watch and listen to our thoughts on Moneyfarm, here’s our video review of the platform.

Our Rating

We’re giving Moneyfarm’s investing platform and technology – ⭐⭐⭐⭐⭐

Moneyfarm Fees

Fees are fairly transparent with Moneyfarm, you can compare current fees and charges quickly via this page.

You’ll pay management fees to cover the cost of investing in financial instruments and fees for underlying funds.

Some accounts, like Pensions, ISAs (including JISAs) and general investing accounts are free from market spread fees if you opt for Liquidity+ management style.

However, on fixed and active accounts within each sector, you’ll pay between 0.02% and 0.10%.

Self selected share investing is priced at a flat fee of £3.95 per trade.

Pricing Discounts for Bigger Accounts

Certain fee structures are flat, for example, Liquidity+ accounts charge 0.3%, whereas management fees in Fixed and Active management accounts start from (0.45% and 0.75%) and reduce based on the value of your invested balance.

For example:

The Actively managed accounts charge:

From £500	From £10,000	From £20,000	From £50,000
0.75%	0.70%	0.65%	0.60%

Updated on 22/01/2025

Once the balance of your investment rises above £100,000, there’s further discounts available on management fees.

From £100,000	From £250,000	Above £500,000
0.45%	0.40%	0.35%

Whereas the Fixed allocation pricing tiers need a sizeable jump in investment balance to help earn you a discount on fees:

From £500	From £100,000	From £250,000	Above £500,000
0.45%	0.35%	0.30%	0.25%

Other ways to earn discounts are through Moneyfarm’s “refer a friend” incentive, which offers a personalised discount on your fees if you refer a friend who opens an account and deposits an investment.

Moneyfarm requires a minimum investment balance of £500 or greater to open an account for you to start investing with.

Where to check your fees and charges

To find out how much you’re paying in an active Moneyfarm account, head to:

Your Moneyfarm account dashboard

Hit your name in the top right and select “billing”

You’ll see a breakdown of monthly fees, their payment status, billing coverage dates and a detailed invoice for each, including tax information, VAT, daily fees and the dates each payment was charged.

You can download PDF versions of each of your fees if you’re interested in analysing and saving them.

Billing and fees are available on both the web platform and app.

Investing with Moneyfarm

If you’re investing £20,000 with Moneyfarm, you’ll pay:

General Investing Pricing	Management FeeYearly(market spread)	Financial Instrument FeesYearly(underlying fund)	Management FeeMonthly(market spread)	Financial Instrument FeesMonthly(underlying fund fees)	Total(%)
Active
ESG	0.65%(0.10%)	0.31%(0.21%)	£10.83(£1.67)	£5.17(£3.50)	Up to £16.00(0.96%)
Classic	0.65%(0.10%)	0.30%(0.20%)	£10.83(£1.67)	£5.00(£3.33)	Up to £15.83(0.95%)
Fixed
ESG	0.45%(0.02%)	0.22% (0.20%)	£7.50(£0.33)	£3.67(£3.33)	Up to£11.17(0.67%)
Classic	0.45%(0.02%)	0.17%(0.15%)	£7.50(£0.33)	£2.83 (£2.50)	Up to£10.33(0.62%)
Liquidity + (0.00% & £0 market spread fees)	0.30%(0.00%)	0.10%(0.10%)	£5.00(£0.00)	£1.67(£1.67)	Up to £6.67 (0.40%)

Self selected share investing is priced at a flat fee of £3.95 per trade.

Moneyfarm guarantees you will pay no: entry or exit fees, withdrawal fees, top up fees or custody fees.

Similar to the ISA accounts, the general investing accounts (GIA) Moneyfarm offers allows you to invest in pretty much anything you want that is available via the platform.

You’ll pay capital gains tax on any profit you make from investments in a general investing account, provided the profit exceeds the allowance of £3,000.

I found the onboarding at Moneyfarm slick and efficient. There were only very few onboarding questions and, as a relatively experienced, although far from expert, investor I found I was able to communicate my understanding of the risk of financial market investing sufficiently to open any account I deemed most appropriate for me.

I would always recommend being honest with your responses to the question set, especially if you’re new to investing, risk sensitive or don’t understand the markets, you’ll want to get used to how to track your investments, how markets move and consider where you want to put your money at an appropriate risk level, before you commit to particular investments.

Types of Investment Available with Moneyfarm

You can invest in a variety of different financial instruments with a Moneyfarm account, including:

• Stocks and shares
• ETFs
• Mutual Funds
• Bonds

These types of investments have different benefits and drawbacks and serve different purposes depending on the type of investing you’re engaging in.

There are around 349 shares to invest in, including well known share accounts like:

• Halfords
• Reach PLC
• AO
• SAGA
• Games Workshop
• Greggs
• EasyJet

Most of the share investing options are UK FTSE companies and several larger and most well known US company share options, like Tesla, Nvidia and Microsoft are absent.

Check for a full list of Moneyfarm investment options.

ETFs can offer exposure to S&P500 investment options which Moneyfarm offers a good selection of within the account.

For example, investment in the Vanguard US Equities S&P500 is possible through Moneyfarm, as well as the Vanguard S&P 500 UCITS ETF.

Other ETF opportunities include Gold, iShares Emerging Markets Equities and US Sovereign Bonds.

Familiarise yourself with the  range of investment options available on Moneyfarm before you get started, because you will want to fully understand the instruments before you start.

Other options include Mutual Funds (typically a portfolio of pooled investments, including a combination of stocks, bonds and other assets, for diversified risk) and Bonds (fixed income investments which pay interest over the year and return a value once sold).

As mentioned, you’ll need a minimum of £500 to get started investing with Moneyfarm.

Moneyfarm has been great for investing so far. I’ve found it incredibly easier to initiate a transfer and had an account manager who was able to update me on the process.

It took around a month for the transfer to get initiated by the provider holding my existing balance but my consultant was able to let me know when my funds had been released.

If you initiate a new transfer and deposit funds into your account for the first time, an investment consultant is also useful for verifying the bank details and FCA number of the firm so you can be sure your money ends up in your account and you’re investing with the official Moneyfarm service.

I’d urge you to check Moneyfarm’s FCA number and regulatory information directly via their website and via the FCA register.

Moneyfarm Investment Options

Investment options in Moneyfarm are very broad and include options like:

• ETFs – 143 different options available
• Mutual funds – 499 different options available
• Stocks and shares – 340 different options
• Bonds – 82 to choose from

Before investing in anything you will need  to think about;

• Your goals
• Your attitude and tolerance to risk and fluctuations
• Undertake specific research into potential investment opportunities
• Find out about past performance.

With this type of knowledge and without expert guidance, making a profit from investing, can be challenging.

Thematic Investing is also available via the Moneyfarm investing platform. This includes shortcuts to themed investment bundles where targets include;

• Sustainable Investing
• ESG Investing
• Low risk investing

Options are available via the account.

These can be found on the platform home screen of the web platform and via the “explore” tab on mobile devices.  

So, if you’re specifically interested in checking out Moneyfarm’s sustainable investing options or want to learn more about the low risk Liquidity + investing options, that is where to find them.

Once you invest your money into specific shares, ETFs, Mutual Funds or bonds, you can earn returns on your investment through;

• Capital returns if the value of your investment rises
• Cash returns through dividends paid out by the financial instruments
• Returns on bond investments, known as yields.

Does Moneyfarm offer a savings account?

This has now changed, as of 21st January 2025, Moneyfarm now offer a cash ISA savings product.

The cash ISA from Moneyfarm offers:

• Up to 4.58% AER, a variable interest rate on your balance
• No transfer fees to consolidate your existing savings
• Flexibility to add and withdraw your money as you like
• Your cash ISA deposit is protected up to £85,000 with the Financial Services Compensation Scheme (FSCS)
• Moneyfarm are FCA regulated for cash ISA savings

However, Moneyfarm do levy interest penalties if you make more than 3 withdrawals in a single year – Moneyfarm refers to this as a flexi-ISA.

Plus you’ll need a minimum of £500 to open a cash ISA with Moneyfarm.

Note, to earn the interest rate on your balance, you will need to opt to save in a cash ISA, Moneyfarm do not pay interest on cash deposits for your investing account.

While you can deposit cash into your account, it won’t earn interest as a cash balance.

The Moneyfarm Cash ISA

As recently as 21st January 2025, Moneyfarm have released a cash ISA product.

The cash ISA offers an interest rate of 4.58% for the first year you save with Moneyfarm. This rate is boosted from 4.38% for subsequent years.

The cash ISA interest rate will also drop to 4.3% if you make more than 3 withdrawals from the account in a single year.

Moneyfarm accept ISA transfers in for free and you can manage the account within the Moneyfarm app and web platform.

The interest you’ll earn with the Moneyfarm cash ISA is tax free and you can save up to £20,000 in each financial year to get the tax free bonus.

Moneyfarm calculate your interest daily.

Get the best cash ISA rate with our comparison.

Deposit Protections with Moneyfarm

Moneyfarm offers protection on invested balances like:

• FSCS protection, up to £85,000 deposit protection
• Client fund separation from business assets and running costs
• Cover account protection, security and more

Consider carefully the protections offered by any and all investment and savings accounts before you deposit funds and check the FSCS register to make sure you’re not exceeding the FSCS limit of £85,000 if any licences are shared.

Moneyfarm ISA accounts

An ISA (individual savings account) is a type of savings product exclusively available to individuals.

They’re a tax free wrapper, allowing you to pay no tax on investment returns for up to a maximum investment balance of £20,000 each year.

Moneyfarm offers ISA investing, including ESG and Classic focus accounts through actively managed funds, fixed fund allocations and Liquidity+ management styles.

ISA pricing	Management FeeYearly(market spread)	Financial Instrument FeesYearly(underlying fund)	Management FeeMonthly(market spread)	Financial Instrument FeesMonthly(underlying fund fees)	Total(%)
Active
ESG	0.65%(0.10%)	0.31%(0.21%)	£10.83(£1.67)	£5.17(£3.50)	Up to £16.00(0.96%)
Classic	0.65%(0.10%)	0.30%(0.20%)	£10.83(£1.67)	£5.00(£3.33)	Up to £15.83(0.95%)
Fixed
ESG	0.45%(0.02%)	0.22% (0.20%)	£7.50(£0.33)	£3.67(£3.33)	Up to£11.17(0.67%)
Classic	0.45%(0.02%)	0.17%(0.15%)	£7.50(£0.33)	£2.83 (£2.50)	Up to£10.33(0.62%)
Liquidity + (0.00% & £0 market spread fees)	0.30%(0.00%)	0.10%(0.10%)	£5.00(£0.00)	£1.67(£1.67)	Up to £6.67 (0.40%)

My own personal experience of Moneyfarm is via their Actively managed classic focus ISA. This account was an old ISA of mine which I transferred across.

I also have a DIY ISA, where I’ve handpicked a selection of stocks and shares and investments to create my own portfolio.

Both of my ISA accounts have been performing well since I started investing with Moneyfarm.

My actively managed account is up 8.76% since March 2024

My DIY investing account is up 15.7% since April 2024

The fees I’ve paid for each account since investing in the app total £222.17 this includes all of the fees for purchasing assets and finances which equate to around £55.

These returns have been good compared to what I expected, but the markets are fickle and uncertain, performance like this is not guaranteed and earning continued returns for the year ahead is not guaranteed. Past performance is also not an indication of the future performance of these assets and all performance depends on market shifts we’ll see over time.

If you do decide to invest, you’re doing so at your own risk and could lose some or all of your money by doing so.

ISA accounts can make sense, depending on your financial circumstances, to prioritise over general investing accounts because they offer a tax efficient “wrapper” for your investments which can help shelter any profits you make from certain taxes, like capital gains tax and income tax, which you would be liable to pay if your investments grow in value, once you sell them off at a profit.

If you haven’t used your ISA allowance for the tax year (£20,000 for this current tax year), then your investment will likely be better off within an ISA, before you open and invest in a generalised investment account.

Can you get a JISA with Moneyfarm?

Yes, Junior ISA (Junior Individual Savings Account) products are available to open in the Moneyfarm app and website.

The fees for a JISA account vary depending on the type of account you choose and are included below:

JISA pricing	Management Fee Yearly (market spread)	Financial Instrument Fees Yearly (underlying fund)	Management Fee Monthly (market spread)	Financial Instrument Fees Monthly (underlying fund fees)	Total(%)
Active
ESG	0.65%(0.10%)	0.31%(0.21%)	£10.83(£1.67)	£5.17(£3.50)	Up to £16.00(0.96%)
Classic	0.65%(0.10%)	0.30%(0.20%)	£10.83(£1.67)	£5.00(£3.33)	Up to £15.83(0.95%)
Fixed
ESG	0.45%(0.02%)	0.22% (0.20%)	£7.50(£0.33)	£3.67(£3.33)	Up to£11.17(0.67%)
Classic	0.45%(0.02%)	0.17%(0.15%)	£7.50(£0.33)	£2.83 (£2.50)	Up to£10.33(0.62%)
Liquidity + (0.00% & £0 market spread fees)	0.30%(0.00%)	0.10%(0.10%)	£5.00(£0.00)	£1.67(£1.67)	Up to £6.67 (0.40%)

For reference, Junior ISAs allow you, as a parent, to save tax free money for your children. This will be managed by you before the child reaches 18.

Another bonus of Junior ISA savings is that any relatives can pay money into a Junior ISA, it isn’t limited to only parents or legal guardians.

Upon their 18th birthday, any money saved in the account will be transferred to them and the money will become theirs to do with as they please.

Can you Transfer an Existing ISA to Moneyfarm?

Yes, you can transfer an existing ISA to Moneyfarm using their ISA transfer service. This will help you to:

• Consolidate any stocks and shares ISAs you may have in one account
• Transfer Cash ISAs into stocks and shares products
• Invest in managed investment products, reflective of your needs and risk tolerance
• Invest in DIY stocks and shares, bonds and ETFs or a combination, for a custom portfolio, selected by you.

For me, I transferred a balance from the now retired Circa5000 (previously tickr) to Moneyfarm.

The transfer took around one month to complete, the delay was likely because the account being transferred was an investment ISA which meant my old investments had to be sold down and converted to cash before the transfer could go ahead.

Remember, very few ISA providers offer in specie transfers, so when stocks and shares ISAs are transferred your assets will be sold off and converted to cash before your balance can be transferred to your new provider.

I was able to complete the transfer instruction form without help or guidance and Moneyfarm’s ISA transfer form is available directly via their website.

You’ll need your name, contact details like email address, home address and details of the account(s) you’re looking to transfer.

I ended up chasing my account managed at Moneyfarm to get an update on the progress of my transfer, so arguably, they could have been better at updating me as to the progress of my ISA transfer but overall the experience was a good one.

Moneyfarm pensions

Pensions can be consolidated onto the Moneyfarm platform and the fees and charges for doing so are transparent and clear.

Pension pricing	Management Fee Yearly (market spread)	Financial Instrument Fees Yearly (underlying fund)	Management Fee Monthly (market spread)	Financial Instrument Fees Monthly (underlying fund fees)	Total (%)
Active
ESG	0.65%(0.10%)	0.31%(0.21%)	£10.83(£1.67)	£5.17(£3.50)	Up to £16.00(0.96%)
Classic	0.65%(0.10%)	0.30%(0.20%)	£10.83(£1.67)	£5.00(£3.33)	Up to £15.83(0.95%)
Fixed
ESG	0.45%(0.02%)	0.22% (0.20%)	£7.50(£0.33)	£3.67(£3.33)	Up to£11.17(0.67%)
Classic	0.45%(0.02%)	0.17%(0.15%)	£7.50(£0.33)	£2.83 (£2.50)	Up to£10.33(0.62%)
Liquidity + (0.00% & £0 market spread fees)	0.30%(0.00%)	0.10%(0.10%)	£5.00(£0.00)	£1.67(£1.67)	Up to £6.67 (0.40%)

Investing in a pension has a few benefits. So it is no surprise Moneyfarm offers them.

I’ve not yet invested in a SIPP (self invested personal pension) with MoneyFarm, so I can’t comment on the process or options available.

The find, check and transfer service allows you to:

• find old, lost or currently decentralised pension investments and savings
• check them for guarantees and exit penalties
• View your pensions in the Moneyfarm app and manage the transfer of them into Moneyfarm pension plans.

Moneyfarm does not charge fees for pension transfers into their SIPP accounts, the pension find check and transfer process is free.

However, you will pay fees on the investments you hold within your moneyfarm SIPP in line with moneyfarm’s pension fees and charges.

MoneyFarm Investment performance

Both my managed and self-managed ISAs I have opened with MoneyFarm are performing well and are making money.

• My managed account shows an increase in value of 9.42% since March 2024
• My self managed DIY portfolio showing 15.9% growth since April 2024

This is encouraging but there is no guarantee your investments will make money because it will depend on what you invest in, your chosen risk level, when you invest and what is happening with the markets when your money is invested.

If investments can increase in value, they can also decrease in value and the risks of a decline is something you should seriously consider before getting started.

My strategy is weighted towards higher risk levels because I generally buy stocks and shares as a long term investment, so am happy to ride the fluctuations and don’t get overly concerned if drops do occur.

That being said, long term investments are easier to prioritise all the time they are making money, so bear that in mind if you do decide to start investing. This strategy isn’t appropriate or feasible for everyone, so consider your approaches carefully before investing.

MoneyFarm’s presentation of the performance levels of your account is fantastic. Of all of the accounts I’ve used MoneyFarm is one of the clearest because they:

• include clear graphing
• Clear % value changes alongside individual accounts
• growth clarity by year
• clarity on growth since making your investment

For self-managed investments, MoneyFarm provides;

• Clarity on the change in value of individual stocks and shares you own, since purchasing them
• Clear graphical representations of recent price changes
• Clarity on the current total value of your investment as a whole and by individual investments

You’re able to toggle MoneyFarm graphs by simply to understand date ranges including; 1 month, 3 months, 6 months, 1 year and all time.

When buying individual assets as part of a self-managed portfolio, you can narrow to even more granular date ranges like;

• 1 day
• 1 week
• 1 month
• 6 months
• Year
• All

Self-managed accounts also give you a clear “cash pot” where you’ll see:

• Any uninvested cash you have stored in your account
• Dividend payments your investments have earned
• Clarity on dividend payments could be clearer on the app specifically, because currently there’s no way to see where dividends have come from. The details of benefits are available on the web platform only.

Moneyfarm also allows you to switch easily between TW (Time Weighted)  and MW (Money Weighted) performance reporting.

Time Weighted investments = the value of your investment regardless of deposits or withdrawals, allowing you to understand how much the underlying asset has increased or decreased in value over time.

Money Weighted investments = How your investments have changed in value over time, taking into account the size of your deposit, the timing of your deposit and any withdrawals you have made.

Simply, money weighted = how much money you have made or lost. Time weighted = how much the underlying asset has increased or decreased in value over a customizable period.

Overall, MoneyFarm has one of the simplest, clearest and most engaging investment app home screens I’ve seen where, even on a mobile device via the app, you’re able to assess the performance of potential investments and assets over time with graphical data.

MoneyFarm Presentation

Choosing investments, when self managing your portfolio is simple with MoneyFarm. You can narrow investment options by; “Stocks”, “ETFs”, “Mutual Funds” and “Bonds”.

Stocks are listed A to Z and include 340 companies, ETFs include 143 variations and include popular options like the Vanguard S&P500 UCITS ETF, iShares Core S&P500 UCITs ETF and many more options.

Mutual fund options number at 499 and include fixed income options as well as multi-asset, developed countries and emerging markets based investments.

82 Bonds are available to invest in from categories like; financials, information technology, communication services, utilities and government bonds.

With all of these options, you should be able to configure a personalised investment portfolio to match the risk tolerances which best apply to your investing goals.

One limitation evident in MoneyFarm is the lack of US investment options, for example if you’re set on investing in U.S. companies like Tesla, Nvidia, Apple or Microsoft you won’t find direct investment options here. You may consider choosing and investing in an S&P500 ETF, however to invest directly you’ll need an alternative investing platform.

Making Investments with MoneyFarm

How you buy shares on the MoneyFarm app could not be clearer, you’ll need to;

• Navigate to your chosen investment stock, share, ETF or bond.
• Check the performance and projections.
• Press buy when you’re happy this is the right investment for you.
• Choose the quantity or toggle “amount” to invest a certain amount of your un-invested cash.
• Press “review order” to get a summary of your order, including; Stamp duty, fees and the total quantity and value of your purchase.
• hit  “confirm buy” to make your order.

If you’d prefer to invest in an asset at a specific price, you can select a limit order when choosing your investment.

This allows you to automatically set up a “buy order” for an asset when a specific value is met.

You’ll find this very useful if you’re planning investments to purchase ahead of earnings calls or annual company performance reviews because these might trigger share price volatility and allow you to buy shares at a more favourable price.

The clear graphing of MoneyFarm assets and accounts makes purchasing decisions simpler because you can accurately visualise performance over time. However, historic growth performance is no indication or guarantee of ongoing performance.

With the superior clarity it offers, MoneyFarm is a great option for beginners or those new to self-managed investment accounts looking to get started.

The MoneyFarm Platforms

You can manage your investments across both the MoneyFarm website and MoneyFarm app.  

MoneyFarm App

I’ve been mainly using the app to manage all of my investing with MoneyFarm and this is because it is so intuitive, always at my fingertips and highly secure.

The graphing and data points are neat but clear and almost nothing is lost despite the reduction in real estate available on a smartphone when compared to the desktop, website based management platform.

The app is very responsive and fast to respond to interactions. Plus you can buy and sell shares wherever you are.

I found the app layout very clear and it is easy to use. Whether you prefer managing your investments via the app or the web platform is down to you but in my opinion being able to action both is a sensible choice.

The app is highly secure too, with compatibility offered with Apple’s biometric login security FaceID on my iPhone 14 Pro, so I’ve no concerns about the security of my money and am not encumbered with having passwords to remember to input each time I want to check my investments.

MoneyFarm Web Platform

The website platform is also really useful and available via https://www.moneyfarm.com/, once logged in you’ll see your dashboard load on app.moneyfarm.com.

The dashboard is;

• Very similar to the app version
• More detail at the investment level, showing you the average buy price of your investments at the individual asset level, rather than just the growth you’ve achieved, which is handy for calculating your profits.
• Plus, there are detailed records of when you purchased assets and the dividend payments you’ve received, something which is missing from the app.

Overall, if you’re a professional investor or looking to really generate income from your investments, then the website platform does offer more features than the app, but the app remains incredibly useful for portable portfolio management, balance checks and making investments on the go.

For reference, the website could be better at making it easier to:

• Get data from your investments into a spreadsheet to track yourself
• It doesn’t allow you to download a full list of investment options

However, it is easier to see P&L from your investments and understand where dividend payments have come from and when.

MoneyFarm Extras

MoneyFarm don’t offer extras like;

• Retail discounts

But they do offer investors access to:

• Referral bonuses and incentives for bringing friends and family to the service
• Currently Moneyfarm offer a 0.1% discount for six months on your fees for every referral you send their way
• Informational content and educational material about the different styles of investing, market movements and trends including;

• Snippet style, social media story formatted investing tips, similar to social media “stories” to help users quickly get to grips with investing practices, themes and concepts.
• More long form, detailed investing advice and updates on new products and investment opportunities.

Comparatively few additional “bonuses” and extras are available through Moneyfarm other than the expert created content and the referral discount on fees for introducing the service to your friends and family.

MoneyFarm TrustPilot

Trustpilot reviews for MoneyFarm are overwhelmingly positive, with the usual negative reviews cropping up with specific grievances mainly related to performance.

This is not uncommon to see with many investing providers who often bear the brunt of criticism if investments fail to perform.

The overall average review score for Moneyfarm is 4.4 from the total of 1,318 reviews on the user generated review platform.

As of January 2025, Moneyfarm had 1,318 reviews, with 68% scoring 5 stars, this equates to 896 reviews.

Positive reviews commonly reference;

• Easy to use
• Great customer service
• Clear intuitive design of the app, especially the graphs and visual elements of the investing performance display
• People are also quick to mention that they are “confident in the ability of Moneyfarm to protect and grow their investments” alongside “good returns” and “steady growth”

1 star reviews make up 6% of the total reviews on Trustpilot, which equates to around 79 reviews.

These negative reviews frequently mention;

• Poor Performance and Losses, particularly, financial losses
• Low growth
• Others reference difficulty in withdrawing money from their accounts or the slow process of doing so.
• The final common theme among negative reviews is the mention of lack of or inadequate customer service and reviews.

While reviews for investment products are useful, it is important to check the presence of both positive and negative reviews to get a complete picture of potential investing providers before you start.

Conclusion

Moneyfarm’s digital product, the website investing platform and the mobile phone app are both seamless and clear, plus I’ve found both the app and web platforms easy to use, navigate and understand.

While Moneyfarm is able to offer a broad and diverse range of financial instruments to invest in, their offering isn’t entirely comprehensive. Focused mainly on UK FTSE stocks and shares, they’re an investment provider who lacks individual access to U.S. stocks.

However, the user friendly focus, which flows through their mobile app and website platform does a lot for the brand.

Where others may sometimes consider the app or web platform as an after thought, Moneyfarm appears to have worked hard to create a consistent usable system across both mobile and web that you’ll feel familiar with wherever you started out.

 Extras and bonuses are nothing to get excited about so will be unlikely to persuade you if you’re not already sold on Moneyfarm as a platform.

Fees and charges are transparent, which, while not being the lowest, is refreshing.

If you’re a beginner, who’s new to investing or someone who wants to try DIY investing for the first time, then Moneyfarm can provision this service, with enough transparency and clarity so you won’t feel completely alone.

I’ve not tried accounts designed and managed by consultants yet, however, having quick access to dedicated account managers could be where Moneyfarm offers an edge over, otherwise like for like, competitors.

Risk Warnings

It is important to remember that investing in financial markets carries risk. You may get back less money than you put in because the value of investments can fall and could be worth less than you initially invest.

If you’re concerned about the risks of investing, then consider your options carefully before you commit real money to an investment account.

We at NFrealm do not offer financial advice and the information contained in our video review, transcript and written review should not be considered as such.

We only reference providers and financial institutions who we have verified as being registered with the FCA and eligible to hold client money.

We make reference to FSCS depository protection schemes, which can help recover up to £85,000 of savings or investments when a financial institution fails, where relevant to do so.