Moneybox - Save and Invest

Digital Moneybox Limited

About this app

Turn your money into something greater with Moneybox.

Grow your money through investing with as little as £1, our simple starting options, and range of funds. Save for your first home with our market-leading Lifetime ISA, and get free Mortgage Advice when it’s time to buy. Find and combine your old pensions and build a retirement fund worth waiting for with the Moneybox Pension. All with award-winning customer support.


Choose from a range of accounts for every need
• We offer a Stocks and Shares ISA, Lifetime ISA, Junior ISAs, Personal Pension, Savings accounts and more to help you turn your money into something greater.
• You can also plan for your future with tools such as our popular Lifetime ISA Calculator, ISA Time Machine and more.


Make saving and investing part of your everyday life
• Start saving, automatically: Set up a regular weekly deposit, a monthly payday boost, or round up your everyday card purchases to the nearest pound and save or invest the spare change e.g. when you buy a coffee for £2.40, you can choose to ‘round up’ to £3 and set aside the 60p change. You can also make one-off deposits whenever you like.


Grow your money through investing
• We've worked with experts to put together three simple starting options – cautious, balanced and adventurous. All you need to do is pick one!
• The option you choose determines how your savings are split between a range of tracker funds. Using these funds, you can invest into thousands of leading companies from around the world including Facebook, Netflix and Disney.
• This range of funds includes a socially responsible option. Our socially responsible global shares fund invests in a range of companies from across the developed global stock market but considers environmental, social and governance factors in its selection process.
• Your investments are held within a Stocks & Shares ISA, Stocks & Shares Lifetime ISA or General Investment Account (GIA). All investing should be regarded as longer term. The value of your investments can go up and down, and you may get back less than you invest.


Find and combine your old pensions
• We offer a Personal Pension to help you build a retirement fund worth waiting for. Our Pension Detectives are here to help you track down your old workplace pensions and combine them into one simple pot. T&Cs, pension and tax rules apply.


Buy your first home with our market-leading Cash Lifetime ISA and free Mortgage Advice
• Save up to £4,000 per year and get a 25% government bonus with a Cash Lifetime ISA. This means you can get up to £1,000 a year towards your first home.
• We also offer free Mortgage Advice when it’s time to buy. Browse over 90 lenders and find a mortgage that’s right for you.
• Government early withdrawal charge may apply to the Lifetime ISA.
• Moneybox Mortgage Advice is provided by Moneybox Mortgages Ltd. Your home may be repossessed if you do not keep up your mortgage repayments.

Trusted and transparent
• Moneybox is authorised and regulated by the Financial Conduct Authority with reference number 712935.
• Your savings and investments are covered by the UK government’s Financial Services Compensation Scheme up to a limit of £85,000 in the unlikely event that a fund provider is declared bankrupt.
• For our investment products, we charge just £1 a month and 0.45% of the value of your investments per year. There are fund provider costs of 012%-0.30%. 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.
• We use bank level 256-bit TLS encryption for all your personal information.


Ready to get started? Install Moneybox now.

Ratings and reviews

The app has vastly improved lately with the introduction of instant transfers, many more investment options and a good savings account. However, one glitch that really really really annoys me is when you need to access your funds and sell everything, the 'Current Earnings' counter doesn't reset, so it is a major faff to keep track of whether you are earning or losing money. Makes me want to move elsewhere, where I can start from scratch.

I love this app its made it increasingly easy to save my money and save for the future with really little to no effort at all on my part, however recently it has not let me log into my account through the pin or email options constantly coming up as incorrect passcodes even though I've double/triple checked it's all the right information. Which is slightly concerning as it does have a decent amount of money in there.

Slower and less convenient than Plum. Scheduled deposits at the same time on both apps. Plum took it at midnight on the day. Moneybox said it would be withdrawn at midday but at that time it then said "collection in progress." Not a huge inconvenience but one nonetheless and when other services are able to do it much faster that stands out. Withdrawal shouldn't unintuitively be in settings. It really should just be with the main functions on the main screen (like plum and all other banking apps)

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.