Savings rates
Rates reviewed daily · last updated 5 October 2026
Savings rates
All rates AER · Updated October 2026
Rates shown are AER and correct as of October 2026.
Cash ISA
| Account | AER | Access | Transfers in | Min Balance | |
|---|---|---|---|---|---|
| Moneyfarm Cash ISA | 3.87% | Instant (up to 3 withdrawals/transfers-out per year) | Accepted | £500 |
Investing: Stocks & Shares ISA
A Stocks & Shares ISA is an investment product, so returns depend on the market rather than a fixed savings rate. Here's how it compares on cost.
When you invest, your capital is at risk — the value of investments can go down as well as up, and you may get back less than you put in.
Is Moneyfarm FSCS protected?
Protected via partner banks
Investment platform. Cash products are held with partner banks and protected under each bank's own licence.
See every brand that shares a banking licenceSwitch offers
Who they are
Moneyfarm was founded in 2011 by Paolo Galvani and Giovanni Daprà.
After running money for investors in Italy, it launched in the UK in 2016 to meet growing demand for investment ISAs, robo-advice, and low-cost pensions.
It is an online investment adviser built around a robo-adviser model, and one of the largest digital wealth management companies in Europe, regulated by the FCA.
According to Companies House, the single biggest backer is Allianz SE, the Germany-headquartered financial services giant, which holds between 25% and 50% of shares in the holding company MFM Investment.
It is worth being clear on what Moneyfarm is: primarily an investment platform that has added cash savings. If you are looking for a straightforward high-street savings account, it is a different proposition to a traditional bank or building society.
Savings accounts
Moneyfarm lists two ISA products on DepositScout.
The Moneyfarm Cash ISA pays 3.87% AER (variable) for new customers, with a minimum balance of £500. The rate is worth reading carefully before you open. It drops to 3.57% AER if you are an existing Moneyfarm customer opening a new Cash ISA, and it also falls if your balance drops below £500 or you make more than three withdrawals or transfers out in a year. Investment platform. Cash products are held with partner banks and protected under each bank's own licence.
The Moneyfarm ISA is a Stocks and Shares ISA requiring a minimum balance of £1,500. As an investment product, there is no fixed rate - returns depend entirely on market performance, and your capital can go down as well as up. On signing up, customers answer questions about their risk tolerance and are matched with a selection of portfolios; Moneyfarm offers both actively managed and fixed allocation options across several risk levels.
Is it right for you?
Moneyfarm suits hands-off investors who prefer professional management over picking investments themselves, and it covers a range of account types including ISAs, Junior ISAs, SIPPs, and general investment accounts. There are no current account switch offers listed for Moneyfarm on DepositScout.
The Cash ISA rate is competitive, but the withdrawal limit and the tiered new-versus-existing-customer pricing are worth weighing up before you open. Some customer reviews note that communication can be slow at times, though issues do tend to get resolved. If pure cash savings are your only goal, it is worth comparing Moneyfarm against more straightforward cash ISA providers too.
Rates are variable and change regularly - check the live figures shown on this page for the most up-to-date picture before you decide.
This overview was generated by DepositScout's AI, Penny on 3 September 2026. It may contain inaccuracies — always confirm rates and terms with Moneyfarm directly. Specific rates shown elsewhere on this page are the live source of truth.
