Does eToro Have an ISA - in the UK? (2025 Update)
Quick Answer: Can You Open an ISA with eToro?
Yes — as of 2025, eToro offers a Stocks and Shares ISA to UK residents. It’s powered by Moneyfarm, a regulated investment firm. This allows UK investors to benefit from tax-free capital gains on a professionally managed portfolio, directly under the eToro umbrella.
How Does the eToro ISA Work?
Who Manages the ISA — eToro or Moneyfarm?
While the ISA is offered through eToro’s platform, the investment management is handled by Moneyfarm, a well-known UK-based digital wealth manager. Investors sign up through eToro but get access to Moneyfarm’s expertise and investment strategies. The result is a hands-off, diversified portfolio tailored to your risk profile.
What Type of ISA Is It?
The eToro ISA is a Stocks and Shares ISA — meaning your money is invested in assets like equities, ETFs, and bonds. It is not a Cash ISA, nor does it support crypto investments inside the tax-free wrapper. It’s ideal for long-term, tax-efficient investing rather than short-term trading or speculation.
eToro ISA vs eToro Trading Account (UK 2025)
| Feature | eToro ISA (via Moneyfarm) | Standard eToro Trading Account |
|---|---|---|
| Investment Style | Managed portfolio | Self-directed trading |
| Asset Types | Stocks & ETFs only | Stocks, crypto, CFDs, forex, etc. |
| Tax Benefits | Yes – ISA wrapper | No |
| Control Over Investments | No – Moneyfarm manages assets | Full control |
| Minimum Deposit | £500 | £50 |
| Platform Access | eToro-branded, managed by Moneyfarm | eToro platform/app |
| Ideal For | Beginners, long-term investors | Active traders, DIY investors |
What Can You Invest In with the eToro ISA?
Are Individual Stocks Available?
No — the eToro ISA does not offer individual stock picking. Instead, it gives access to professionally managed portfolios built by Moneyfarm. This makes it a hands-off investment solution, ideal for those looking for convenience and diversification over manual trading.
Are There Risk-Based Portfolio Options?
Yes. When setting up your eToro ISA, you’ll answer questions about your goals, time horizon, and risk appetite. Based on your answers, Moneyfarm will assign you to a risk-adjusted portfolio. Options range from conservative to aggressive, and portfolios are rebalanced over time to stay aligned with your profile.
What Are the Fees for the eToro ISA?
Is It More Expensive Than DIY ISAs?
Yes — the eToro ISA comes with Moneyfarm’s standard management fees, which are higher than DIY platforms like Freetrade or Vanguard for self-directed investing. However, you’re paying for automated rebalancing, financial guidance, and a fully managed portfolio, not just a trading platform.
Are There Any Platform or Hidden Fees?
The total cost includes a tiered annual management fee, starting at 0.75% for balances under £10,000, and dropping as your investment grows. This fee covers:
- Portfolio management
- Rebalancing
- Customer support
- No extra trading or account fees
There are no hidden costs or platform charges, and everything is disclosed during signup.
Who Should Consider the eToro ISA?
Is the eToro ISA Good for New Investors?
Yes. The eToro ISA is ideal for beginners seeking simple, tax-free investing without the complexity of stock picking. Managed by Moneyfarm, portfolios are tailored to your goals and risk profile — making it a hands-off, regulated way to build long-term wealth.
Is the eToro ISA Worth It for Existing eToro Users?
If you already trade with eToro, the ISA is a great way to gain tax-free capital growth without changing platforms. It’s different from eToro’s main trading account — fully managed, not DIY, which makes it better suited for passive, goal-based investing.
Final Thoughts
The eToro ISA, powered by Moneyfarm, is a strong option for hands-off investors seeking tax-free growth with minimal effort. It’s best for those who value simplicity, regulation, and automated portfolio management — but it’s not suited for active traders or crypto enthusiasts.
eToro is a multi-asset platform which offers both investing in stocks and
cryptoassets, as well as trading CFDs.
CFDs are complex instruments and come with a high risk of losing money
rapidly due to leverage. 61% of retail investor accounts lose money when
trading CFDs with this provider. You should consider whether you
understand how CFDs work, and whether you can afford to take the high risk
of losing your money.
This communication is intended for information and educational purposes
only and should not be considered investment advice or investment
recommendation. Past performance is not an indication of future results.
Copy Trading does not amount to investment advice. The value of your
investments may go up or down. Your capital is at risk.
Don’t invest unless you’re prepared to lose all the money you invest. This is a
high-risk investment and you should not expect to be protected if something
goes wrong.
eToro USA LLC does not offer CFDs and makes no representation and
assumes no liability as to the accuracy or completeness of the content of this
publication, which has been prepared by our partner utilizing publicly
available non-entity specific information about eToro.
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FAQs
Can I manage my own trades inside the eToro ISA?
No — the ISA is fully managed by Moneyfarm. You can’t choose or trade individual stocks yourself.
Is the ISA fully FCA-regulated?
Yes — Moneyfarm, which manages the ISA, is FCA-authorised and regulated, ensuring client protection.
Can I transfer an existing ISA to eToro?
Yes — ISA transfers are supported. You can move existing Stocks & Shares ISAs over, subject to eligibility and provider terms.
Is the eToro ISA suitable for crypto investors?
No — the ISA does not support cryptocurrency investments. It’s designed for long-term, diversified investing in traditional assets.
