5 Best Robo Advisors for UK Investors in 2025

Ruby Layram 11th Apr 2025 No Comments

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Not everyone dreams of spending their evenings analysing market trends and rebalancing portfolios. And thankfully, you don’t have to. Enter robo-advisors: the smart, digital investing sidekicks that do the heavy lifting for you. Whether you’re aiming for long-term growth, a nest egg for retirement, or just want your money to work a little harder, these algorithm-driven platforms make investing in the UK simple, affordable, and stress-free.

Below, we’ve rounded up the best robo-advisors on the market so you can invest confidently, even if you’re more Netflix than FTSE 100.

What is a Robo-Advisor?

Think of a robo-advisor as your digital financial co-pilot. One that never sleeps, doesn’t charge sky-high fees, and always sticks to the plan.

In essence, a robo-advisor is an online platform that uses clever algorithms and automation to manage your investments for you. No need for long meetings in a stuffy office or deciphering financial jargon- these platforms do the heavy lifting, so you don’t have to.

Here’s how it works: you answer a few questions about your financial situation, goals, and how much risk you’re comfortable with (for example, whether market dips make you nervous or if you’re in it for the long haul). Based on your answers, the robo-advisor builds a diversified investment portfolio tailored to your needs.

From there, it keeps your investments on track by automatically rebalancing your portfolio and reinvesting dividends- basically, all the smart stuff a human adviser might do, just faster and for a fraction of the price.

Whether you’re saving for a house, retirement, or simply want your money to grow while you sleep, a robo-advisor could be the low-maintenance, high-efficiency solution you’ve been looking for.

Top 5 Robo-Advisors in the UK

Now let’s get to the good part, which robo-advisors have made it into our list?

Platform	Minimum Investment	Annual Fees	Notable Features
Nutmeg	£500	0.25% – 0.75%	Variety of portfolios, user-friendly interface
Moneyfarm	£500	0.35% – 0.75%	Access to human advisors, personalized advice
Wealthify	£1	0.6%	Low entry point, ethical investing options
Scalable Capital	£10,000	0.75%	Dynamic risk management, ETF focus
InvestEngine	£100	0% (DIY) / 0.25% (Managed)	Low-cost ETFs, DIY portfolio options

1. Nutmeg

If robo-advisors had a family tree, Nutmeg would be the savvy older cousin who’s been around the block and still knows what’s cool. Launched in 2011, Nutmeg was one of the UK’s first digital wealth managers- and it’s managed to stay firmly at the front of the pack.

Whether you’re a hands-off investor who just wants a managed portfolio, or someone who fancies dabbling in socially responsible investing, Nutmeg has a product for everyone. You can choose between four different portfolio types: Fully Managed (with a team of experts tweaking things behind the scenes), Fixed Allocation (for set-it-and-forget-it investors), Smart Alpha (co-created with J.P. Morgan, no less), and Socially Responsible portfolios for the eco-conscious.

With a minimum investment of £500 and fees that start at just 0.25% for larger portfolios (scaling up to 0.75% for smaller amounts), Nutmeg is transparent, polished, and perfect for those who want professional investment management without the professional price tag.

Plus, the app and online dashboard are so intuitive, you might actually enjoy checking in on your portfolio.

2. Moneyfarm

Moneyfarm gets that some of us want the efficiency of robo-investing, but also like the idea of having a friendly expert to chat to when things feel a bit wobbly in the markets. That’s where its hybrid model shines. You get the convenience of an algorithm managing your investments, alongside access to qualified financial advisers whenever you need a bit of reassurance or a second opinion.

Portfolios are diversified, rebalanced automatically, and tailored to your risk appetite, just like you’d expect. But the added personal touch makes this platform feel more bespoke. Think of it like having a digital butler who’s also a financial expert.

The minimum investment is £500, with tiered fees ranging from 0.75% down to 0.35% as your pot grows. That makes Moneyfarm an excellent middle-ground for investors who want the best of both digital and human worlds—without having to fork out thousands for a traditional wealth manager.

3. Wealthify

Wealthify is built for beginners: no complicated lingo, no intimidating dashboards, and no need for a huge pot of money to get going.

You can start with just £1- yes, one lonely pound- and pick from five risk levels: from cautious to adventurous. Wealthify handles the rest, building you a portfolio that matches your appetite and keeps it ticking along. It also offers an Ethical plan for those who want their money working for good causes while growing in the background.

There’s a flat 0.6% management fee, which is pretty reasonable given how easy the platform is to use. It’s the kind of platform you can recommend to your younger sibling or your tech-shy aunt- and they’ll probably thank you for it.

4. Scalable Capital

Scalable Capital is a platform for investors who care about the numbers and want smart tech to handle the ups and downs of market volatility. Using dynamic risk management, it constantly monitors the level of risk in your portfolio and adjusts your holdings to keep things aligned with your goals.

It’s a slick, data-driven experience that appeals to investors who are in it for the long term and want to see steady, strategic growth. The portfolios are made up of a global mix of ETFs, and everything is managed using algorithms based on Nobel Prize-winning financial theory (yes, really).

With a minimum investment of £10,000 and a 0.75% annual management fee, Scalable Capital isn’t the cheapest option out there—but for more experienced or high-net-worth investors, it offers peace of mind that your investments are being carefully watched and adjusted, even when you’re not.

5. InvestEngine

InvestEngine is for those who think: “I could do that myself… if I just had the right tools.” It caters perfectly to cost-conscious, self-directed investors who want control over their investment choices without the pressure of building everything from scratch.

The platform offers two options: Managed portfolios (where experts take the reins) or DIY portfolios (where you call the shots). The best part? There’s no management fee if you go the DIY route- just the fund fees built into the ETFs themselves. That makes InvestEngine one of the most cost-effective ways to build a diverse, long-term portfolio.

You only need £100 to get started, and the platform offers a slick interface that helps even first-time investors feel confident choosing their own ETFs. It’s especially great if you’re someone who’s read a few investing books, knows what an ETF is, and wants a budget-friendly way to put that knowledge into action.

Choosing the Right Robo-Advisor

When selecting a robo-advisor, consider the following factors:

Investment goals: Are you saving for retirement, a house, or general wealth building?
Risk tolerance: Different platforms offer varying levels of risk; choose one that aligns with your comfort level.
Fees: Lower fees can significantly impact your returns over time.
Minimum investment: Ensure the platform’s minimum investment requirement fits your budget.
Additional services: Some platforms offer access to human advisors or specialized portfolios.
Robo-advisors are like your own digital money manager- quietly working in the background while you get on with your life. Whether you’re saving for a rainy day, planning your dream retirement, or just dipping your toes into the world of investing, there’s a platform out there built for you.
The trick is to match your goals and comfort with risk to the right robo partner. And once you’re set up? Give your portfolio a check-up every now and then—just to make sure your money is still marching in the direction of your long-term plan.
Disclaimer: MoneyMagpie is not a licensed financial advisor and therefore information found here including opinions, commentary, suggestions or strategies are for informational, entertainment or educational purposes only. This should not be considered as financial advice. Anyone thinking of investing should conduct their own due diligence. When investing your capital is at risk.