Verdict at a glance
Pick Moneybox if
Pick Moneybox if you're just starting to invest, like round-ups and want a Lifetime ISA in the same app.
How we compared: published fees, account types and review scores for each, verified against the provider’s own price pages.
The short version
Moneybox suits smaller regular savers and Lifetime ISA users; Nutmeg suits larger balances where the percentage fee beats a flat monthly charge. Neither models your pension, tax position or spending alongside the pot.
Why people compare them
Both are common first homes for a UK Stocks and Shares ISA, one app-led and one portfolio-led.
Price and fit, side by side
| Feature | Moneybox | Nutmeg (now J.P. Morgan Personal Investing) |
|---|---|---|
| Cheapest paid plan | Moneybox£1 per month | Nutmeg (now J.P. Morgan Personal Investing)0.75% a year per aum |
| Free tier | MoneyboxNo | Nutmeg (now J.P. Morgan Personal Investing)No |
| Billed in pounds | MoneyboxYes | Nutmeg (now J.P. Morgan Personal Investing)Yes |
| Best for | MoneyboxPeople starting to invest who want the round-up habit and a Lifetime ISA in the same app | Nutmeg (now J.P. Morgan Personal Investing)People who want a managed portfolio run for them and are happy to pay a percentage for it |
Where Moneybox wins
- Properly UK: Cash ISA, Stocks and Shares ISA, Lifetime ISA, GIA and pension all in one place
- Round-ups genuinely get people saving who otherwise would not
- Pension accounts carry no monthly subscription fee, and the platform fee tapers above £100,000
Where Nutmeg (now J.P. Morgan Personal Investing) wins
- Genuinely managed portfolios, so you are buying a decision rather than a dashboard
- The backing of J.P. Morgan, which removes a lot of the platform risk worry
- A clear published fee schedule with no set-up, exit or trading charges
Where both fall short
- Neither projects far enough forward to answer a long-term question.
If neither is quite right
If what you actually want is the retirement answer rather than a better dashboard, that is the gap Delphina was built for: UK pensions, ISAs and tax, projected to the age you want to stop. It does not do the job Moneybox does for people starting to invest who want the round-up habit and a lifetime isa in the same app, so if that is the real problem, Moneybox is still the better buy. Free plan is £0, no card.
See where you actually stand, free
Track your net worth, assets and a five-year forecast built on your real position, not a guess. Free plan, no card.
See where I standDecided? Here’s the next question.
The verdict on the platform is one question. Whether you’re actually saving enough is another, and Delphina answers it from what you already hold and what you pay in each month.
Free. No card required. About two minutes.
Moneybox vs Nutmeg (now J.P. Morgan Personal Investing): common questions
Moneybox is £1 per month and Nutmeg (now J.P. Morgan Personal Investing) is 0.75% a year per aum. Compare the billing period before the number: an annual price and a monthly price are not the same thing.
You can, and some people do, because they solve different halves of the problem. It does mean paying for both, so add the two annual figures together before deciding.
Judge it on billing currency, Open Banking coverage and whether ISAs and pensions are handled. Check each one against those three points, because a tool that scores well elsewhere can still be a poor fit in the UK.
Moneybox suits people starting to invest who want the round-up habit and a lifetime isa in the same app. Nutmeg (now J.P. Morgan Personal Investing) suits people who want a managed portfolio run for them and are happy to pay a percentage for it. The one that matches how you already think about money will take less setting up.
Moneybox scores 4.8/5 on Apple App Store (GB) from 77,185 ratings. Nutmeg (now J.P. Morgan Personal Investing) scores 4.8/5 on Apple App Store (GB) from 19,563 ratings. Weigh the volume as well as the score.
Delphina covers the gap both leave, which is UK pensions, ISAs and tax projected forward to retirement. The trade-off is that it does not do the job Moneybox does for people starting to invest who want the round-up habit and a lifetime isa in the same app, so if that is the real need, pick one of these two.