Best Robo-Advisors UK 2026
A robo-advisor builds and manages a diversified investment portfolio for you automatically based on your risk tolerance. You answer questions, connect a bank account, and the platform handles everything else.
Top UK Robo-Advisors Compared
| Provider | Annual Fee | Min Investment | ISA Available |
|---|---|---|---|
| Nutmeg | 0.25–0.75% | £100 | Yes |
| Wealthify | 0.6% | £1 | Yes |
| Moneybox | 0.45% + fund costs | £1 | Yes |
| Moneyfarm | 0.35–0.75% | £500 | Yes |
| Vanguard Managed | 0.15% + 0.22% | £100 | Yes |
Best Overall: Nutmeg
Largest UK robo-advisor with over £5 billion under management. Three portfolio types: fixed allocation (cheapest), fully managed and socially responsible. Available in ISA, JISA and SIPP wrappers.
Best for Low Minimum: Wealthify
Start with just £1. Flat fee of 0.6%. Strong ethical investment option. Good for beginners building the saving habit from scratch.
Best for Low Cost: Vanguard
Platform fee of 0.15% plus fund charges of around 0.22% gives a total of approximately 0.37% — cheapest robo-advisor option. Limited to six risk-rated portfolio choices.
Robo-Advisor vs DIY Investing
A DIY global index ETF costs around 0.20 to 0.22% annually vs 0.37 to 0.75% for a robo-advisor. The extra cost buys automatic rebalancing and removal of behavioural errors. For investors who will panic-sell in downturns, a robo-advisor can be well worth the small premium.
Past performance is not indicative of future returns.