The short version
Moneybox has the wider product set including Lifetime ISA and pensions; Wealthify's percentage fee can work out cheaper once balances grow. Both are places to hold money, not places to plan it.
Why people compare them
Both target new UK investors with low minimums, so the choice comes down to fee structure and product range.
Price and fit, side by side
| Feature | Moneybox | Wealthify |
|---|---|---|
| Cheapest paid plan | Moneybox£1 per month | Wealthify0.6% per aum |
| Free tier | MoneyboxNo | WealthifyNo |
| Billed in pounds | MoneyboxYes | WealthifyYes |
| Best for | MoneyboxPeople starting to invest who want the round-up habit and a Lifetime ISA in the same app | WealthifyUK investors who want someone else to pick and rebalance the funds |
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 Wealthify wins
- Properly UK-focused, with Stocks and Shares ISAs, Junior ISAs and a personal pension
- One simple 0.6% management fee, with no charges for deposits, withdrawals, transfers or closing a plan
- Ethical plan option for people who care where the money goes
Where both fall short
- Both are built US-first, so UK users pay in dollars and work around US assumptions.
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.
Moneybox vs Wealthify: common questions
Moneybox is £1 per month and Wealthify is 0.6% 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. Wealthify suits uk investors who want someone else to pick and rebalance the funds. 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. Wealthify scores 8.5/10 on Finder UK from Finder Score, informed by 165 customer reviews. 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.