Moneybox - Save and Invest

Digital Moneybox Limited

About this app

At Moneybox, we want to give everyone the means to get more out of life.

• Open a competitive Cash ISA
• Save for your first home with our market-leading Lifetime ISA
• Start investing in our range of funds, ETFs, and stocks
• Find and combine old pensions and build your retirement fund

All with an award-winning app used by over 1 million people across the UK.

Capital at risk. Investing should be long term. The value of your investments can go up and down, and you may get back less than you invest. A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid into your Lifetime ISA. Tax treatment depends on individual circumstances and may be subject to change in the future.

Choose from our range of award-winning accounts:

• Cash ISAs
• Lifetime ISA
• Stocks and Shares ISA
• General Investment Account
• Junior ISA
• Personal Pension
• Savings accounts

Buy your first home with our market-leading Lifetime ISA:

• Save up to £4,000 a year and get a 25% government bonus of up to £1,000 free every year
• Get free Mortgage Advice
• Browse 90+ lenders and find a mortgage that’s right for you

*Government early withdrawal charge may apply to the Lifetime ISA. ISA and tax rules apply. Moneybox Mortgage Advice is provided by Moneybox Mortgages Ltd. Your home may be repossessed if you do not keep up your mortgage repayments.

Choose one of our two Cash ISAs and make the most of your £20,000 annual ISA tax-free allowance:


• Get our top-paying rate while making up to three withdrawals every 12 months with our Cash ISA
• Earn a competitive rate and enjoy unlimited withdrawals with our Open Access Cash ISA.

ISA and tax rules apply.

Plan for your future with helpful tools:

• Learn how a Lifetime ISA could boost your savings with our Deposit Calculator
• See how your contributions can add up over time with our ISA Time Machine.

Set up automations and build healthy habits:

• Automate your regular deposits and boosts on payday
• Round up your spending to the nearest pound
• Save or your invest spare change

Build your long-term wealth with a Moneybox Stocks & Shares ISA

• Start investing from as little as just £1
• Choose from our three expertly-curated starting options: Cautious, Balanced or Adventurous
• Own shares in top US stocks

Capital at risk. ISA and tax rules apply.

Build a retirement fund worth waiting for:

• Track down and combine your old workplace pensions with our free provider search tool
• Get 25% tax relief from the government on contributions to your Personal Pension

You can only access your pension once you reach the minimum pension age. Check T&Cs for transfer eligibility. Consider the product charges and benefits, and whether the profile of the investments offered matches your needs. Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk.

Moneybox is a registered trade mark of Digital Moneybox Limited. Digital Moneybox Limited is authorised and regulated by the Financial Conduct Authority, no. 712935 (and no. 792703 for payment services activities), registered in England and Wales, no. 09597755.

Trusted and transparent:

• Your savings and investments are protected by the Financial Services Compensation Scheme. For more information, please see the FSCS Protection page on the Moneybox website.
• For our investment products, we charge £1 a month (subscription fee) and 0.45% of the value of your investments per year. There are fund provider costs on top of this - see in-app for detail. To help you get started, we do not charge the subscription fee for the first three months
• There are no account fees for our Cash Lifetime ISA or Savings Accounts
• We use bank-level 256-bit encryption for all your personal information.
• Registered address: Moneybox 1-2 Hatfields, London SE1 9PG

Get started - Download Moneybox today.

Ratings and reviews

This is a very good app and contains all the things you need for saving and setting up ISA/LISA. however, I need to address the monthly payment problem where you can set the payment date to the 1st of the month, but they can take it out up to on the 13th, which is devastating to money planning. You can manually set up payments to solve this, but why does the app let me choose a date and ignore it. apart from that this app is perfect

Really not a fan of the new layout at all. The graph showing your earnings takes up too much space. I just want a basic list of accounts and features like adding money, moving money and withdrawing money to be easy to access. The new layout is messy and confusing, it takes too many steps to just see my LISA transactions Also used to be able to add my remaining allowance to my LISA in one click - that option doesn't appear anymore? When I try to add an Amount

I did previously rate moneybox at 5 stars but they just keep slashing their interest rates to the point where their savings accounts are just not competitive. I'm currently looking at alternatives and I would advise others to do the same. I appreciate that BOE are cutting base rates, but there are other providers offering much better rates. Also trades take DAYS!! I put a sale through days ago and it's still not complete. The price has dropped since then so I'm losing money for no good reason!

What’s new

In the latest version we’ve been busy making some important updates and bug fixes to keep the Moneybox machine running smoothly.