Is Moneyfarm a cash or investment ISA?

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Moneyfarm has a stocks and shares ISA that invests your money in the stock market. You can get better returns than with a cash ISA, but as with all investing the stock market goes up and down so you could get less than you originally invested. So if you don’t want to risk losing any money a cash ISA with someone like Hargreaves Lansdown Active Savings would be a better option.

Moneyfarm Stocks & Shares ISA Review

Name: Moneyfarm Stocks & Shares ISA

Description: Moneyfarm’s ISA invests in ETFs to keep the costs low, so you aren’t paying for active managers. Instead, you are benefiting from tracking a series of diversified indices that are regularly rebalanced. This should mean you get to keep most of your returns rather than paying hefty fees to fund managers.
Capital at risk.


  • Investments: Pre-made portfolios
  • Minimum deposit: £500
  • ISA account charge: 0.75%
  • ISA dealing fee: £0

Fees: Moneyfarm’s ISA investing account fees are scaled between 0.75% for accounts between £500 and £50,000, then above £100k are 0.45% to 0.35%. Average investment fund fees are 0.2% and the average market spread when buying and selling is 0.10%


  • Risk-based ISA portfolios
  • Low-cost ISA investing
  • Easy-to-use investment ISA


  • Limited amount of individual shares
  • No US shares available
  • Pricing
  • Market Access
  • Online Platform
  • Customer Service
  • Research & Analysis
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