Round-ups and simple investing for first-time savers
Best for: Beginners building a habit, and first-time buyers using the Lifetime ISA.
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Moneybox is designed for getting started. Round-ups, weekly deposits and simple starter portfolios remove the friction that stops most people investing, and its Lifetime ISA is one of the most popular routes to a first home deposit.
The convenience has a cost on small balances: £1 a month plus up to 0.45% is one of the higher fee stacks here below £5,000 in non-Moneybox funds. The subscription drops away at £5,000, and Moneybox's own funds carry 0.15% rather than 0.45%, so the total depends on your pot size and fund choice.
Best for: Beginners building a habit, and first-time buyers using the Lifetime ISA.
| Platform fee | £1/month subscription (waived at £5,000+) plus 0.15% to 0.45% platform fee |
|---|---|
| Share dealing | US stocks available, 0.45% FX fee |
| Fund dealing | Free (fund fees apply) |
| FX fee | 0.45% on US stocks |
| Stocks & Shares ISA | Subscription plus 0.15% on Moneybox funds or 0.45% on other funds |
| SIPP | 0.45% on the first £100k then 0.15% (other funds); 0.15% capped at £150 a year (Moneybox funds); no subscription |
| Withdrawals | Free |
| Minimum to start | £1 |
Verified July 2026 against Moneybox's published charges. Always check the provider's current schedule before opening an account.
Your cash is protected by the FSCS up to £120,000. Your investments are ring-fenced in your name, held separately from the firm's own assets, so they remain yours if the firm fails, with FSCS cover of up to £85,000 for any shortfall. Authorised and regulated by the FCA.
Moneybox scores 4.4 out of 5 on Trustpilot (Excellent) from around 4,800 reviews.
Users love the round-ups, the goal-based design and how painless it makes starting. 93% of customers surveyed in 2026 would recommend it.
The £1 monthly subscription on top of the platform fee is often flagged as expensive for balances under £5,000.
Moneybox's platform fee is £1/month subscription (waived at £5,000+) plus 0.15% to 0.45% platform fee. Share dealing is US stocks available, 0.45% FX fee and fund dealing is free (fund fees apply). Foreign exchange is charged at 0.45% on US stocks. Fees verified July 2026 against Moneybox's published charges.
Moneybox charges US stocks available, 0.45% FX fee to buy or sell shares, ETFs and investment trusts. Fund dealing is free (fund fees apply). The £1 monthly subscription is free for the first three months and waived if you hold £5,000 or more across Moneybox's Cash ISA, Open Access Cash ISA and Simple Saver, or across your Moneybox investing accounts.
On Moneybox's Stocks and Shares ISA: Subscription plus 0.15% on Moneybox funds or 0.45% on other funds. The underlying platform fee is £1/month subscription (waived at £5,000+) plus 0.15% to 0.45% platform fee. You can start with £1. It is not a flexible ISA, so money you withdraw still counts against your annual allowance.
Moneybox does not offer a SIPP. If you want a self-invested personal pension you will need a different provider.
Your cash is protected by the FSCS up to £120,000. Your investments are ring-fenced in your name, held separately from the firm's own assets, so they remain yours if the firm fails, with FSCS cover of up to £85,000 for any shortfall. Authorised and regulated by the FCA.
Moneybox scores 4.4 out of 5 on Trustpilot (Excellent) from around 4,800 reviews. Users love the round-ups, the goal-based design and how painless it makes starting. 93% of customers surveyed in 2026 would recommend it. The £1 monthly subscription on top of the platform fee is often flagged as expensive for balances under £5,000. It suits beginners building a habit, and first-time buyers using the Lifetime ISA.
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Moneybox can hold your investments, but it will not tell you whether they add up to the retirement you want. Delphina models your whole financial life and gives you a straight answer.
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