Best Robo-Advisor UK: Nutmeg, Moneyfarm and Wealthify Compared

If you are hunting for the best robo-advisor UK investors can hand their money to, the shortlist has barely changed in years: J.P. Morgan Personal Investing (the service formerly known as Nutmeg), Moneyfarm and Wealthify. All three build and manage a diversified portfolio for you based on a short risk questionnaire, so you never pick a single fund yourself. The catch is that this convenience costs more than doing it yourself, and the three differ enough on fees, minimums and hand-holding that the “best” one genuinely depends on your pot size and how involved you want to be.

Before anything else, one important update: the Nutmeg brand was retired on 3 November 2025. Existing Nutmeg accounts now sit under J.P. Morgan Personal Investing, owned by JPMorgan Chase. The underlying service is the same lineage, so if you have read older “Nutmeg vs Moneyfarm” comparisons, this is the current picture.

What a robo-advisor actually does

A robo-advisor answers one question for you: given your goal and how much risk you can stomach, what mix of shares and bonds should you hold, and who rebalances it over time? You pay a management fee for that service on top of the fund charges, in exchange for never having to choose or maintain the portfolio.

That is the trade-off in a nutshell. A robo costs more than a plain DIY global tracker, but it removes every decision after the risk questionnaire. If you want to understand the alternative before deciding, read our how to start investing in the UK guide and the active vs passive investing explainer, then come back.

J.P. Morgan Personal Investing (formerly Nutmeg)

The largest of the three and the most feature-rich. It offers several portfolio styles, including fully managed portfolios where the team actively adjusts the mix, lower-cost fixed allocation portfolios that are set-and-hold, and socially responsible options. The fixed allocation range is the cheapest way in and competes well with DIY on cost, while fully managed sits at the pricier end for the extra oversight.

Its minimum to start is the lowest of the group, which makes it approachable for smaller pots. Under JPMorgan Chase it is also expanding: a full DIY investment platform is due to launch in 2026, alongside a Wealth Planner tool and a dedicated relationship manager for clients with larger balances. If you want the widest range of options under one roof and the backing of a major bank, this is the one to look at first.

Wealthify

Owned by Aviva, Wealthify is the simplicity pick. Its defining feature is a flat management fee that stays the same regardless of how much you invest, which makes your costs easy to predict and understand. It offers Original and ethical portfolio styles across ISAs, a General Investment Account, a Junior ISA and a pension.

The trade-off is a higher minimum investment than the others, so it is less suited to someone starting with a very small amount. But for a beginner who wants a clean, predictable, hands-off account without decoding tiered pricing, Wealthify is the easiest to get your head around.

Moneyfarm

Moneyfarm’s strength shows up as your pot grows. Its management fee is tiered, meaning the percentage you pay falls as your balance rises, so it becomes better value for larger, longer-term investors than for someone saving their first few hundred pounds. It also offers access to human adviser consultations, which neither of the others matches in the same way.

Its minimum sits between the other two. If you expect to build a substantial pot over the years and you like the reassurance of being able to speak to a person, Moneyfarm is the natural choice.

Which robo-advisor is best for you?

There is no single winner, only a best fit:

• Starting small and want the lowest entry point: J.P. Morgan Personal Investing, thanks to its low minimum and fixed allocation option.
• Want the simplest, most predictable fees: Wealthify, for its flat management charge.
• Building a larger pot and value a human touch: Moneyfarm, whose tiered fee rewards bigger balances.

Because all three publish current fees and minimums that change over time, always confirm the latest figures on each provider’s own site before you commit, rather than trusting a number in any comparison article, including this one.

Are robo-advisors worth it at all?

For the right person, yes. If choosing and rebalancing your own funds sounds like a chore you will never get round to, paying a robo to do it is far better than not investing. But be clear-eyed about the cost. Building a portfolio yourself around one or two global tracker funds on a low-cost investment platform is cheaper, and the gap compounds over decades. A robo-advisor earns its fee through convenience and discipline, not through beating the market.

Whichever route you take, use a tax-efficient wrapper. All three robo-advisors offer a Stocks and Shares ISA, and sheltering your gains and dividends from tax matters far more over time than small fee differences. See our cheapest Stocks and Shares ISA platform comparison if you decide DIY is for you.

A note on safety

All three are authorised and regulated by the Financial Conduct Authority, and your investments are covered by the Financial Services Compensation Scheme up to £85,000 per firm for investment business if the provider fails. Note that this is separate protection from, and a different limit to, the £120,000 that covers cash deposits. FSCS does not protect you from your investments simply falling in value, which is normal market risk, only from the firm going bust and being unable to return your assets.

Frequently asked questions

Which is the best robo-advisor in the UK? There is no outright winner. J.P. Morgan Personal Investing (formerly Nutmeg) suits smaller starters and those wanting the most options, Wealthify suits people who want simple flat fees, and Moneyfarm suits larger pots and anyone who values human adviser access. Match the platform to your pot size and how hands-off you want to be.

Is Nutmeg still available in 2026? The Nutmeg brand was retired on 3 November 2025. Existing accounts and the service continue under J.P. Morgan Personal Investing, owned by JPMorgan Chase, so your investments were not lost, just rebranded.

Are robo-advisors worth it compared to DIY investing? They are worth it if you would otherwise never build or maintain a portfolio, because the convenience keeps you invested. If you are happy to hold one or two global tracker funds yourself, DIY is cheaper and the saving compounds over time. The robo fee buys convenience, not better returns.

How much do you need to start with a robo-advisor? Minimums vary by provider and change over time. J.P. Morgan Personal Investing has the lowest entry point of the three, Moneyfarm sits in the middle, and Wealthify has the highest minimum. Check each provider’s current figure before opening an account.

Is my money safe with a UK robo-advisor? All three are FCA-regulated, and investments are protected by the FSCS up to £85,000 per firm if the provider fails. That protection does not cover normal falls in the value of your investments, which is the ordinary risk of investing.

Which robo-advisor has the lowest fees? It depends on your balance. Wealthify’s flat fee is simplest, Moneyfarm gets cheaper as your pot grows because its fee is tiered, and J.P. Morgan Personal Investing’s fixed allocation portfolios are its lowest-cost option. Always compare the current published fees for the amount you plan to invest.