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Moneybox review: fees, accounts and what customers say

Round-ups and simple investing for first-time savers

4.4 on Trustpilot (Excellent)Fees verified July 2026

The short version

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 price: £1 a month plus 0.45% is one of the higher fee stacks here once your balance grows. It is a great first platform, and many users graduate to cheaper ones later.

Best for: Beginners building a habit, and first-time buyers using the Lifetime ISA.

Moneybox fees

Platform fee£1/month subscription plus 0.45% platform fee
Share dealingUS stocks available, 0.45% FX fee
Fund dealingFree (fund fees apply)
FX fee0.45% on US stocks
Stocks & Shares ISASubscription plus 0.45% applies
SIPP0.45% platform fee (0.15% above £100k), no subscription
WithdrawalsFree
Minimum to start£1
  • The £1 monthly subscription is free for the first three months and waived if you hold £5,000+ in the Cash ISA or Simple Saver.
  • Fund ongoing charges of roughly 0.12% to 0.58% apply on top.

Verified July 2026 against Moneybox's published charges. Always check the provider's current schedule before opening an account.

Accounts available

General Investment AccountStocks & Shares ISACash ISALifetime ISAJunior ISAPersonal Pension

FSCS protected up to £85,000. Authorised and regulated by the FCA.

What the reviews say

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 combined £1/month plus 0.45% is repeatedly flagged as expensive for small balances.

Pros and cons

Where it wins

  • Round-ups turn spare change into investments automatically
  • Strong Lifetime ISA for first-time buyers
  • Simple starting-option portfolios, no jargon
  • Covers cash savings, investing and pensions in one app

Where it loses

  • £1/month plus 0.45% is proportionally expensive under about £5,000
  • Limited fund selection
  • Not built for hands-on stock pickers

Compare Moneybox with other brokers

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Capital at risk. This page is information, not financial advice.