Updated September 28, 2026 · VaultCue Editorial Team
frankly.ch vs Moneyfarm
frankly.ch
Moneyfarm
Higher score in this comparison
Where frankly.ch and Moneyfarm differ
| Compare | frankly.chReviewSee alternativesSee alternatives | MoneyfarmReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.15% | 3.87%Higher |
| Minimum deposit | CHF 1 | £500 |
| Access terms | Fully digital, app or web, no minimum deposit and no minimum term | Flexible Cash ISA: up to 3 withdrawals or transfers out per year, top up anytime |
| Monthly fee | CHF 0 | £0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
Same on both: Rate type (Variable), 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
- Moneyfarm scores higher overall: 8.9 vs 8.8.
- Headline rate is higher at Moneyfarm: 3.87% vs 0.15%.
Our verdict on each
frankly.ch
Frankly is a digital, fee free isa for people who want an account that costs nothing to hold and asks for almost nothing to open. It suits savers who value convenience over return: the rate is 0.15% and variable, far below where most accounts sit.
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.
Score breakdown
| Area | frankly.ch | Moneyfarm |
|---|---|---|
| Cost | 9.0HigherMonthly fee is CHF 0 and the minimum deposit is CHF 1, so the entry cost is close to nothing. | 8.6The monthly fee is £0 on a no monthly fee model, but the £500 minimum deposit is the bar to entry. |
| Offer | 8.7The rate is 0.15% and variable, close to the bottom of the savings ranking. | 9.2HigherA isa paying a variable 3.87%, with top ups at any time inside a capped withdrawal allowance. |
Which one suits you
Pick frankly.ch if cost matter most.
Pick Moneyfarm if offer and headline rate matter most.
Where each is licensed and available
| Country | frankly.ch | Moneyfarm |
|---|---|---|
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 629539 |
Additional countries for frankly.ch: 1. Additional countries for Moneyfarm: 1.
How they place
| Ranking | frankly.ch | Moneyfarm |
|---|---|---|
| Savings accounts | 466 of 1420 | 422 of 1420 |
| Cash ISAs | 7 of 11 | 5 of 11 |
Every fact side by side
| Fact | frankly.ch | Moneyfarm |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Sparen 3 pension foundation of Zuercher Kantonalbank | MFM Investment Ltd |
| Headquarters | Switzerland | United Kingdom |
| Support channels | Email, Phone, Help centre | Email, Phone, Help centre |
Where each stands against the rest
| Fact | frankly.ch | Moneyfarm | Median |
|---|---|---|---|
| Headline rate | 0.15%lowest quarter | 3.87%above the median | 3.25% |
Median across 658 listed accounts.
Pros and cons
frankly.ch
Pros
- No monthly charge: the monthly fee is CHF 0 and the model is no monthly fee
- The minimum deposit is CHF 1, so the account opens at a token amount
- Access is fully digital by app or web, with no minimum term attached
Cons
- The rate is 0.15%, far under the 4.5% typical of the savings accounts we track
- The rate is variable and variable, so it can move down in the same way it can move up
- The account is isa, which locks money away from a UK cash ISA even though the monthly fee is CHF 0
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
frankly.ch
Who it suits
- Anyone starting small, since the minimum deposit is only CHF 1
- People who want a no monthly fee account and never want to see a monthly charge
- Savers who are happy with a variable return and use their own phone or laptop to manage it
Who should look elsewhere
- Anyone chasing return: 0.15% sits well below the 4.5% of the wider savings ranking
- Anyone who wants UK cash ISA tax shelter, as the account kind is isa
- People who want counter service, because access is fully digital and support runs on email, phone and help centre only
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
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
| Country | frankly.ch | Moneyfarm |
|---|---|---|
| Switzerland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
frankly.ch
Is there a monthly fee to keep the account?+
No charge is made each month: the monthly fee is CHF 0 and the account model is no monthly fee. That sits alongside a minimum deposit of CHF 1, so the cost of keeping money in the account over a year is limited to the interest you forgo elsewhere.
What rate do I get on the balance?+
The headline rate is 0.15%, and it is variable. Because the rate is variable it can be revised while the account is open, so treat the published figure as a starting point. For scale, the median headline rate across the savings accounts we track is 3.08%.
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
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frankly.ch
Moneyfarm