Best Robo Advisors in the UK
Discover 8 deals available this month.
1.InvestEngine
InvestEngine is a UK robo advisor charging 0.25% annually on assets up to £100,000, offering a user-friendly platform with support for stocks and shares ISAs and SIPPs. It also provides educational resources to help investors.
View Deal →InvestEngine stands out for its low-cost approach combined with a simple, accessible platform, making it a strong choice for investors seeking straightforward ETF investing with tax-efficient accounts.
Pros:
- Competitive 0.25% annual fee on invested assets up to £100k
- Supports stocks and shares ISAs and SIPPs
- User-friendly platform designed for ease of use
- Provides educational resources to assist investors
Cons:
- Management fee cap at £100,000 invested limits cost benefits for larger portfolios
- No mention of personalized financial advice
- Limited to UK residents and accounts
2.Moneybox
Moneybox is a low-entry UK robo advisor with a £1 minimum investment and three ready-made portfolios based on risk level. It charges a £1 monthly subscription fee for non-pension accounts plus a 0.45% annual platform fee.
View Deal →Moneybox offers an accessible way to start investing with minimal upfront capital and simple portfolio options. Its fixed subscription fee combined with a percentage platform charge may appeal to beginners testing the waters.
Pros:
- Very low minimum investment of £1
- Three pre-built portfolios matched to different risk levels
- Transparent £1 monthly subscription fee for non-pension accounts
Cons:
- 0.45% annual platform fee can add up on larger balances
- Subscription fee applies only to non-pension accounts, which could complicate pricing
- Limited to three ready-made portfolio options without personalized advice
3.Nutmeg
Nutmeg is a leading UK robo advisor known for its user-friendly platform and low fees, making it suitable for beginners starting automated investing.
View Deal →Nutmeg offers a simple, accessible way for new investors to begin automated investing with a highly rated platform and competitive fees.
Pros:
- User-friendly platform ideal for beginners
- Low fees compared to many competitors
- Consistently ranked among the top UK robo advisors
Cons:
- Limited detailed fee information available in the research
- No specific deals or pricing tiers mentioned
- May not offer as personalized advice as some higher-fee competitors
4.Moneyfarm
Moneyfarm offers tailored investment portfolios based on individual risk profiles with personalized advice from qualified financial experts. It charges annual management fees ranging from 0.35% to 0.75% and requires a minimum balance of £500.
View Deal →Moneyfarm stands out for its personalized financial advice combined with tailored portfolios, making it a thoughtful choice for investors wanting expert guidance. Its fee structure is moderate, reflecting the personalized service on offer.
Pros:
- Tailored portfolios based on individual risk profiles
- Personalized advice from qualified financial experts
- Clear fee range from 0.35% to 0.75% annually
- Reasonable £500 minimum balance requirement
Cons:
- Higher fees compared to some low-cost robo advisors
- Minimum balance of £500 might be high for new investors
- No mention of specific tax-efficient account options like ISAs or SIPPs
5.Moneyfarm
Moneyfarm offers tailored portfolios based on individual risk profiles with personalized advice from qualified experts. Management fees range from 0.35% to 0.75% annually with a £500 minimum balance requirement.
View Deal →Moneyfarm stands out by combining personalized financial advice with diversified portfolios, making it a solid choice for beginners seeking tailored guidance. Its fee structure is straightforward but can be higher than some competitors.
Pros:
- Personalized investment portfolios tailored to individual risk levels
- Access to qualified financial experts for personalized advice
- Simple and transparent pricing with a clear minimum balance
- Four years of portfolio performance history
Cons:
- Minimum investment of £500 may be a barrier for some beginners
- Annual management fees between 0.35% and 0.75% are higher than some low-cost rivals
- No mention of support for ISAs or SIPPs in the latest information
6.Wealthyhood
Wealthyhood is a UK robo advisor offering automated investment services for residents. It is recognized among the top robo advisors in the UK as of January 2026.
View Deal →Wealthyhood stands out as a solid automated investment platform for UK investors seeking hands-off portfolio management without complex pricing.
Pros:
- Available to UK residents with automated investment features
- Listed among top robo advisors for January 2026 in the UK
- Simplifies portfolio management through automation
Cons:
- No specific pricing details publicly disclosed
- Limited information on account types and minimum investment
- Lacks personalized financial advice compared to competitors
7.Freetrade
Freetrade is a UK-based robo advisor offering automated portfolio management services to residents. It provides a streamlined investment platform without specified fees in the available research.
View Deal →Freetrade delivers automated investment management tailored for UK investors seeking a simple robo advisor platform. While details on fees are limited, its automation appeals to those wanting easy portfolio management.
Pros:
- Automated portfolio management simplifies investing
- Designed specifically for UK residents
- User-friendly robo advisor platform
Cons:
- No detailed pricing or fee structure provided in current research
- Limited information on account types and investment options
- Lacks personalized advice features mentioned in some competitors
8.Plum
Plum is a UK robo advisor offering automated portfolio management for investors. It provides a hands-off approach to investing without detailed pricing disclosed in the research.
View Deal →Plum appeals to investors looking for simple, automated investment management without complex setup or minimums. While it offers convenience, the lack of detailed fee information may require users to investigate further before committing.
Pros:
- Automated portfolio management simplifies investing
- Available to UK residents
- Easy-to-use robo advisory service
Cons:
- No clear pricing or fee details available in research
- Limited information on portfolio customization or features
- May not suit investors wanting personalized advice
Final Words
To secure the best robo advisor for your investment goals this January 2026, take time to compare their fees, features, and portfolio options carefully. You can explore current offers and personalized services to ensure your money works effectively within the UK market.
Frequently Asked Questions
InvestEngine charges a 0.25% annual fee on invested assets up to £100,000. This low-cost fee includes access to a user-friendly platform with support for stocks and shares ISAs and SIPPs.
Yes, InvestEngine offers support for both stocks and shares ISAs and SIPPs, making it a versatile option for UK investors looking to manage tax-efficient retirement and savings accounts.
InvestEngine provides a simple, user-friendly platform along with educational resources to help investors understand their options. Its low annual fee and ISA/SIPP support make it well-suited for UK investors.
Look at the management fees, minimum investment requirements, and available account types like ISAs or SIPPs. Additionally, consider whether the platform offers personalized advice, educational resources, and how user-friendly it is.
Yes, Moneybox is a UK robo advisor with a low entry point, requiring just £1 minimum investment. It offers three ready-made portfolios and charges a £1 monthly subscription plus a 0.45% annual platform fee.
Moneyfarm provides tailored portfolios based on your risk profile and includes personalized advice from qualified experts. Its fees range from 0.35% to 0.75% annually, with a £500 minimum balance requirement.
