Best robo-advisors in the UK in 2025

Robo-advisors aim at building wealth gradually over time, following an automated portfolio management process. Robo-advisors facilitate investing by minimizing research time, removing emotions when selecting investments, and automating the portfolio management process.

Furthermore, management fees are relatively lower compared to traditional financial advisors. Among the other services provided, some platforms offer financial planning tools, tax-efficient techniques, access to human financial advisors, Socially Responsible portfolios, and a variety of other services.

At Robo-Advisor Finder, we follow over 80 Robo-advisors worldwide, of which more than 20 offer their services to investors from the United Kingdom. That's a lot to check, right? In this article, we'll make it easier for you by mentioning the best Robo-advisors in the UK and why we think they are among the best-automated wealth management platforms.

If you want to know more about Robo-advisors, how they function, what services they provide, and whether or not this type of automated investment is right for you, you can take a look at our article “What is a Robo-advisor?”

Here’s the quick list that we’ll be covering:

1. Moneyfarm: Best overall
2. J.P. Morgan Personal Investing: Biggest robo-advisor in the UK‍
3. Lightyear: Best for investors who already have a clear idea of their preferred portfolio but want a simple, low-cost way to automate contributions over time, rather than a fully managed, advised solution. Offers a free share bonus for new users who deposit at least 100€ using the code INVESTINGINTHEWEB.‍‍
4. InvestEngine: Best for low fees‍
5. XTB Investment Plans: Best for DIY long-term investors looking for low fees‍
6. Wealthify: Best for low minimum balance‍
7. IG Smart Portfolio: Best for additional brokerage services‍
8. eToro: Best social investing platform. The company offers robo-advice services through its “Smart Portfolios” which are designed to help investors in creating diversified portfolios.

Best Robo-advisors in United Kingdom

While Robo-advisors have been established in the US for years, adoption in the UK has been slower. However, British investors can now choose from several low-cost Robo-advisors offering innovative, accessible investing solutions. When evaluating Robo-advisors, key factors include low fees, low minimum deposits, and support for multiple account types such as ISAs, GIAs, and pensions.

To list the best Robo-advisors in United Kingdom, we've checked different platforms and evaluated those three main characteristics, and here are the results of our deep dive research.

#1 Moneyfarm (Best overall)

💲Fees: Between 0.25% and 0.70% per year

💵 Minimum balance: £500

💼 Account types: ISAs (Cash, Junior, Stocks & Shares), GIA, SIPP

Founded in 2012, Moneyfarm is a Robo advisor that started operating in Italy, then moved in 2016 to the United Kingdom. Moneyfarm has over 160,000 active investors and more than £5 billion invested on its platform. They offer seven personalized investment portfolios that are suitable for various risk profiles.

You can choose between actively managed portfolios, where moneyfarm experts will keep an eye on your portfolio and rebalance it, taking advantage of market developments; or you can invest through fixed allocation portfolios, where holdings are rebalanced automatically once per year. You can also choose to invest in socially responsible ETFs.

Moneyfarm has a tiered fee structure based on the amount invested and your investment style. Overall, their fees range between 0.25% and 0.75% per year. Additionally, above £10k you have access to an Investment Consultant team and for amounts above £100k, you get your own Qualified Wealth Manager.

Moneyfarm is suitable for UK investors seeking a low-cost, diversified robo-advisor that combines automated portfolio management with human support. It is particularly attractive for medium- to long-term investors who want professional oversight and guidance without the higher costs associated with traditional wealth management services.

#2 J.P. Morgan Personal Investing (formerly Nutmeg)‍

💲Fees: Between 0.25% and 0.75% per year (tiered, decreasing for larger portfolios)

💵 Minimum balance: £500 (£100 for a Lifetime ISA)

💼 Account types: ISA, Junior ISA, Lifetime ISA, Investment Account, Pension

J.P. Morgan Personal Investing is the successor to Nutmeg, following its acquisition by JPMorgan Chase and the retirement of the Nutmeg brand. The service brings Nutmeg’s original robo-advisory offering under the J.P. Morgan name, combining digital portfolio management with the scale, research capabilities and long-term experience of one of the world’s largest asset managers.

After completing a short questionnaire, investors are matched with a diversified ETF portfolio aligned with their risk tolerance and financial goals. Clients can choose between fixed allocation portfolios, which follow a set strategy with periodic rebalancing, and fully managed portfolios that are actively monitored and adjusted based on market conditions and investment outlooks.

Investors pay a management fee based on portfolio size and investment style, with fully managed, Smart Alpha, thematic, income and ESG portfolios charged at 0.75% per year on the first £100,000 and 0.35% above that, while fixed allocation portfolios are cheaper at 0.45% on the first £100,000 and 0.25% thereafter. In addition to the management fee, portfolios incur underlying fund costs and small market spreads, both reflected directly in performance rather than billed separately.

The platform also offers socially responsible (ESG) portfolios, allowing investors to align their investments with environmental, social and governance principles. In addition, some strategies benefit directly from J.P. Morgan Asset Management’s research, global market insights and asset allocation expertise.

With low entry requirements, a wide range of tax-efficient products and competitive fees, J.P. Morgan Personal Investing is suitable for UK investors seeking a well-established, low-cost robo-advisor backed by a global financial institution, while retaining a simple and user-friendly investment experience.

#3 Lightyear (no management fees & self-directed automated portfolios)

💲Fees: No annual management fee. Commission-free ETFs (fund & FX fees may apply), 0.1% on US stock trades (min $0.1, max $1), £1 per trade for UK stocks, 1€ per trade for EU stocks.

💵 Minimum balance: From €1  

💼 Account types: ISA, GIA and Business Accounts

Lightyear is a low-cost investing platform available to European and UK investors, offering access to over 6,000 international stocks and ETFs through a slick mobile and web app.

Its new “Plans” feature lets you group selected investments into mini-portfolios, assign percentage weightings, and set up recurring contributions (weekly, bi-weekly or monthly).

Lightyear Plans are fully self-directed and execution-only: you choose the ETFs and stocks, set your own allocations, and Lightyear simply executes your instructions on a schedule.

There are no ongoing management or custody fees for Plans, and ETFs are free of Lightyear’s trading fee (though fund and FX fees may still apply).

This makes Lightyear particularly attractive for investors who already have a clear idea of their preferred portfolio but want a simple, low-cost way to automate contributions over time, rather than a fully managed, advised solution. But remember, investing means you can lose some or all of your money. If you are unsure what this means, please speak to a qualified financial adviser.

What to learn more? Check our Lightyear Plans review where we uncover the pros & cons.

‍🎁 Lightyear bonus reminder: Sign up with the promo code INVESTINGINTHEWEB and get up to €100 in fractional shares to your Personal Account when you deposit at least €100. Capital at risk. T&Cs apply. The reward can be withdrawn 6 months after it’s credited.

#4 InvestEngine (Best for low fees)

💲Fees: 0.25% per year

💵 Minimum balance: £100

💼 Account types: ISA, Personal or Business Account

InvestEngine is a UK online investment platform (founded in 2019) that helps you invest and build long-term ETF portfolios. You can invest either through their automatically managed portfolios or, if you are more confident, you can use their "Do-it-yourself" service, which gives you access to over 540 ETFs to build your own customized portfolio.

Their managed portfolios include growth and income portfolios, and the rebalancing occurs once every quarter. They have a low-cost structure, where automatically managed portfolios are charged an annual fee of 0.25%, whereas "Do-it-yourself" portfolios are commission-free.

InvestEngine is suitable for British investors looking to invest in automatically managed portfolios at a very low cost while having access to DIY portfolios.

#5 XTB Investment Plans (Best for DIY long-term investors)

💲Fees: 0% per year

💵 Minimum balance: £15

💼 Account types: ISA, Personal Account

Founded in 2002, XTB is a major player in the brokerage industry with extensive worldwide experience, regulated by the Financial Conduct Authority (FCA) - plus other relevant regulatory bodies - and listed on the Warsaw Stock Exchange. 

From as low as €15, you can invest in XTB Investment Plans. You can build one or more portfolios (up to 10) based on over 350 ETFs. There is no cost in running any of the XTB Investment Plans. However, you might incur a 0.20% (min £10) ETF transaction fee if your monthly turnover (total amount of the transactions amount) exceeds £100,000. Otherwise, it is commission-free.

Be aware that this is not a “typical” robo-advisor. It does not create your investment plan for you - you are the one who needs to choose the financial instruments. Still, it is a cost-effective and intuitive way to invest for the long-term, automatically, without needing to pay annual management fees charged by other robo-advisors.

You can invest automatically by selecting a specific amount, deposit period and method.

Finally, there are no restrictions: you can deposit or withdraw anytime and there is no minimum investment period.

#6 Wealthify (Best for low minimum balance)

💲Fees: 0.60% per year

💵 Minimum balance: £1

💼 Account types: ISA, Junior ISA, GIA, Pension, Savings

Wealthify is a UK robo advisor founded in 2014 that lets you choose from five different portfolios based on your risk appetite, ranging from cautious to adventurous. Those five portfolios are also available through ethical investment plans, letting you invest in line with your values.

Wealthify’s investment process is not fully automated; they use a mix of smart algorithms in addition to their human expertise to make small adjustments to portfolio holdings. Their fees are straightforward at 0.60% per year, and they allow you to withdraw your money anytime without penalty.

The platform offers a range of tax-efficient products, including a Stocks & Shares ISA, Junior ISA, Lifetime ISA, General Investment Account and pension, making it suitable for a variety of investment goals. Portfolios are automatically rebalanced, and investors can track their performance easily through Wealthify’s app and online dashboard.

There are no charges to add or withdraw money, and funds can be accessed at any time without penalties. With a minimum investment starting from just £1, Wealthify is particularly well suited to British investors who are new to investing and want a low-cost, user-friendly robo-advisor.

#7 IG Smart Portfolios (Best for additional brokerage services)

💲Fees: 0.50% per year on the first £50,000, then free over £50,000

💵 Minimum balance: £500

💼 Account types: ISA

IG Smart Portfolios are automatically managed portfolios offered by IG, an online trading company founded in 1974. After answering a set of questions, they recommend one of their five portfolios that matches your risk profile: Conservative, Moderate, Balanced, Growth, or Aggressive.

IG Smart Portfolios are actively managed portfolios combining expertise, innovative technology and low costs. The portfolios are broadly diversified portfolios, giving you exposure to fixed income, equity, and alternative investments.

IG Smart Portfolios are suitable for British investors who want to have access to other brokerage services and have their money managed on one platform.

#8 eToro (Social Investing Platform)

💲Fees: Zero Management and account Fees. Other fees apply.

💵 Minimum balance: $50

💼 Products available: ISA (through Moneyfarm), Social Investing, Smart Portfolios

eToro is a multi-asset brokerage and social trading platform that was created in 2007. It has grown in prominence as a leading online platform for social investing and trading in a wide range of financial assets such as equities, cryptocurrencies, commodities, FX, and others.

While eToro provides some social trading and portfolio management capabilities that are comparable to robo-advisors, it is important to remember that eToro's core functionality is centered on social trading, and its platform may not fully mimic the services provided by dedicated robo-advisory firms.

In the UK, the company offers robo-advice services through its “Smart Portfolios” which are designed to help investors in creating diversified portfolios.

Best Robo-Advisors/Robo Investors in the UK Compared

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‍Final Thoughts

Overall, Robo-advisors are ideal for investors looking for "set and forget" investment solutions. However, with the growing number of Robo-advisors in the United Kingdom, it is becoming increasingly difficult for investors to select the one that best suits their needs.

To make things easier, we've compiled a list of the UK’s six best Robo-advisor/Robo Investors options. However, many more companies might also suit your needs, so we encourage you to check our full list of Robo-advisors. In general, we suggest you visit their websites, read about how they implement their investing strategies, compare the fees charged, and verify that the company is regulated.

Remember, if you have any questions, feel free to leave a comment below.

A reminder that the above should not be construed as investment advice and should be considered information only. Investors should do their own research and due diligence about the services and opportunities best suited for their risk, returns, and impact strategy.

Happy investments!

FAQs

What is the best Robo-advisor in the UK?

1. Moneyfarm: Best overall
2. J.P. Morgan Personal Investing: Biggest robo-advisor in the UK‍
3. Lightyear: Best for investors who already have a clear idea of their preferred portfolio. Offers a free share bonus for new users who deposit at least 100€ using the code INVESTINGINTHEWEB‍
4. InvestEngine: Best for low fees‍‍
5. XTB Investment Plans: Best for DIY long-term investors looking for low fees‍‍
6. Wealthify: Best for low minimum balance‍‍
7. IG Smart Portfolio: Best for additional brokerage services‍‍
8. eToro: Best social investing platform and smart portfolios.

How much money do I need to invest with a Robo-advisor?

Most Robo-advisors have a very low minimum balance requirement to start investing (you can find Robo-advisors that allow you to start investing starting at $5).

Do Robo-advisors beat the market?

No, most Robo-advisors invest in ETFs and work on matching the performance of a particular market benchmark. So, they tend to closely replicate the market's performance rather than beat it.

What is the alternative to a Robo-Advisor?

The alternative to a robo-advisor is to do-it-yourself, through a regular brokerage platform. That way, you can save management fees if you know what you want to invest in and don't mind manage the portfolio independently. If interested, check this Trading 212 Promo Code, and Lightyear Promo Code.