Round-ups and simple investing for first-time savers
Best for: Beginners building a habit, and first-time buyers using the Lifetime ISA.
Moneybox's fees are one part of the picture. Are your pensions and savings actually on track?
See if you're on trackFree to check. No card required. Takes about two minutes.
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.
| Platform fee | £1/month subscription plus 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 0.45% applies |
| SIPP | 0.45% platform fee (0.15% above £100k), 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 combined £1/month plus 0.45% is repeatedly flagged as expensive for small balances.
Moneybox's platform fee is £1/month subscription plus 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+ in the Cash ISA or Simple Saver.
On Moneybox's Stocks and Shares ISA: Subscription plus 0.45% applies. The underlying platform fee is £1/month subscription plus 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 combined £1/month plus 0.45% is repeatedly flagged as expensive for small balances. It suits beginners building a habit, and first-time buyers using the Lifetime ISA.
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.
Free to check. No card required. Takes about two minutes.
Capital at risk. This page is information, not financial advice.