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Updated September 29, 2026 · VaultCue Editorial Team

Finanzguru AT vs Moneyfarm

Finanzguru AT scores 9.1 and Moneyfarm 8.9 out of 10. Compare their differences and shared features below.
Finanzguru AT

Finanzguru AT

Higher score in this comparison

9.1/10
See alternatives
Moneyfarm

Moneyfarm

8.9/10
See alternatives

What sets them apart

Finanzguru AT vs Moneyfarm
CompareFinanzguru ATFinanzguru ATReviewSee alternativesSee alternativesMoneyfarmMoneyfarmReviewSee alternativesSee alternatives
Headline rate7%Higher3.87%
Rate typeFixedVariable
Deposit protectionEU DGS up to EUR 100,000FSCS up to GBP 85,000
Access termsFree registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EURFlexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime
Monthly fee€0£0
Minimum depositNot confirmed£500

Same on both: Account kind (ISA).

We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.

Key differences

  • Finanzguru AT scores higher overall: 9.1 vs 8.9.
  • Headline rate is higher at Finanzguru AT: 7% vs 3.87%.
  • Support channels: only Moneyfarm offers Phone.

Our verdict on each

Finanzguru AT

Finanzguru AT suits savers who want to run everything from one online view, and who value a balance covered by EU DGS up to EUR 100,000. Readers who want a rate that follows policy moves, or who need help beyond email and help centre, should read the terms first.

Read the full Finanzguru AT review

Moneyfarm

Moneyfarm suits savers who want a Cash ISA with a headline rate of 3.87%, a monthly fee of £0 and deposit protection in place, run by a UK entity under Financial Conduct Authority oversight. Consider it if you can open with the minimum deposit and do not need to dip in often.

Read the full Moneyfarm review

Score breakdown

Finanzguru AT vs Moneyfarm
AreaFinanzguru ATMoneyfarm
Cost9.1HigherThe monthly fee is €0 and the model is no monthly fee, so holding the product costs nothing to run.8.6The monthly fee is £0 on a no monthly fee model, but the £500 minimum deposit is the bar to entry.
Offer9.1A fixed rate of 7% on the Sparbooster, above the site median of 3% but mid-table at 56.9.2HigherA isa paying a variable 3.87%, with top ups at any time inside a capped withdrawal allowance.

Also worth a look

Amonatbonk has headline rate at 13%, against 7% for Finanzguru AT and 3.87% for Moneyfarm.

Amonatbonk review

Where these facts come from

Finanzguru AT

  • finanzguru.de: 9 facts, checked September 26, 2026
  • portal.mvp.bafin.de: 1 fact, checked September 26, 2026

Moneyfarm

  • moneyfarm.com: 11 facts, checked September 26, 2026

How they place

Finanzguru AT vs Moneyfarm
RankingFinanzguru ATMoneyfarm
Savings accounts270 of 1420422 of 1420
Cash ISAs3 of 115 of 11

Every fact side by side

Finanzguru AT vs Moneyfarm
FactFinanzguru ATMoneyfarm
Pricing modelNo monthly feeNo monthly fee
Legal entitydwins GmbHMFM Investment Ltd
HeadquartersGermanyUnited Kingdom
Support channelsEmail, Help centreEmail, Phone, Help centreCovers more

Everyday accounts

Finanzguru AT vs Moneyfarm
FactFinanzguru ATMoneyfarm
FeaturesDigital onlyNot confirmed

Where each stands against the rest

Finanzguru AT vs Moneyfarm
FactFinanzguru ATMoneyfarmMedian
Headline rate7%highest quarter3.87%above the median3.25%
Minimum depositNot confirmed£500highest quarter£1

Median across 658 listed accounts.

Pros and cons

Finanzguru AT

Pros

  • Balances sit under EU DGS up to EUR 100,000, so the money has a named scheme behind it.
  • Registration is free without authentication, and a wide range of banks and providers can be linked into a single view.
  • The intermediary registration D-LVC7-NRKYT-67 gives readers a named German body to check and a claim to make.

Cons

  • Support runs on email and help centre only, so a question about the savings product gets no phone answer.
  • The service is digital only, which keeps every task on screen with no counter service for readers who prefer face-to-face help.
  • On the site's headline rate table the 7% ranks at 56 of 473 brands compared, so it is competitive without sitting among the highest figures.

Moneyfarm

Pros

  • Deposit protection is stated as FSCS up to GBP 85,000, so there is a named scheme and a published ceiling behind eligible deposits.
  • The firm is authorised by the Financial Conduct Authority under reference 629539, a check worth making before you open any Cash ISA.
  • It is a isa account, and top ups can be made at any time, so building the balance in stages is straightforward.

Cons

  • The minimum deposit is £500, above the €810.82 level that most cash ISAs listed here sit under.
  • The number of withdrawals and transfers out is capped on the isa, so the balance is not an instant access pot for money you may need soon.
  • The rate is variable, so the 3.87% headline can move down as well as up and gives no fixed return to plan around.

Who each suits

Finanzguru AT

Who it suits

  • Readers in DE who want savings managed entirely online and priced at €0 a month.
  • Savers planning ahead who prefer a fixed return of 7% that does not move with policy decisions.
  • Anyone who wants many banks and providers gathered in one view rather than a single-provider account.

Who should look elsewhere

  • Borrowers rather than savers: AXI Card Tarjeta y Credito and Plazo ES advertise 21.59% and 24.19% on credit terms, so they answer to revolving balances rather than to the EU DGS up to EUR 100,000 cover behind this account.
  • Readers after a plain everyday balance: PayPal Colombia pays 3.3%, far below the 7% here, so it suits a small pot that only needs to earn something.

Moneyfarm

Who it suits

  • Anyone with a lump sum ready to place, since the minimum deposit is £500 and the monthly fee is £0.
  • Readers who check safety before rate, with a Financial Conduct Authority licence reference and a stated protection figure both published.
  • Planners rather than spenders, because the account is built for money that goes in and stays.

Who should look elsewhere

  • Anyone chasing the biggest headline number, since AXI Card Tarjeta y Credito sits at 21.59% and Plazo ES at 24.19%, both above the 3.87% Cash ISA.
  • Savers who need to reach the money often: the withdrawal and transfer allowance is capped, while 75.6% of the savings accounts on the site are easy access.
  • People who want a rate locked for a set period, since this rate is variable and 23.2% of the savings accounts on the site pay a fixed rate.

Current offers

Finanzguru AT

Current offer

  • Bonus

    Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year

    Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.

    Source, checked September 26, 2026

  • Discount code

    Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback

    Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.

    Source, checked September 26, 2026

Moneyfarm

Current offer

  • Bonus

    Boosted first-year Cash ISA rate: 3.87% AER (variable) for the first 12 months, then 3.57% AER (variable)

    500 GBP minimum balance; new customers only; maximum 3 outbound movements (withdrawals or ISA transfers out) per 12 months; variable rate correct as at 12/06/2026; subject to Cash ISA conditions and ISA rules

    Source, checked September 26, 2026

Country by country

Finanzguru AT vs Moneyfarm
CountryFinanzguru ATMoneyfarm
GermanyYesNo
United KingdomNoYes

Questions about each

Finanzguru AT

What rate does the Sparbooster pay?+

The Sparbooster pays a fixed rate of 7%. A fixed rate means the return does not shift with policy rate decisions during the term, which helps when you are saving towards a set date. The figure sits above the site median of 3%.

What does it cost to hold the account?+

Holding the account costs €0 a month, and the product is built as no monthly fee. Registration is free and needs no authentication, so opening it adds nothing to the running cost, and the site median monthly fee is €0.

Moneyfarm

What rate does the Moneyfarm Cash ISA pay?+

The headline rate is 3.87% and it is variable, so the figure moves when the provider changes it. For context, the median headline rate across the cash ISAs listed here is 4.25%, which puts Moneyfarm a little below the middle of that group rather than near the top of it.

Is there a monthly fee on the account?+

No. The monthly fee is £0 and the account is listed in the no monthly fee model, so nothing is deducted from the balance each month. That is the common pattern on the site, where the median monthly fee across savings accounts is €0. It also means your return comes from the rate alone.

Other options to compare

Finanzguru AT

See alternatives

Moneyfarm

See alternatives