Start growing your money today
Grow your savings with a market-leading Cash ISA
Save for your first home with the UK’s biggest Lifetime ISA provider
Invest for your future with a Stocks & Shares ISA
Open an account in minutes and join over 1.9 million customers today.
T&Cs apply. Capital at risk.
What are our experts saying?
If you’re taking full advantage of your workplace pension, a personal pension can be a great way to bolster your savings. Plus, a personal pension can give you more flexibility on where you invest your money than a workplace pension. With the Moneybox Personal Pension, you can:
Find and combine lost pensions into one easy-to-manage Moneybox Pension
Choose where you want to invest your retirement savings
Get a 25% bonus from the government as tax relief on contributions Read more
Brian Byrnes, Director of Personal Finance at Moneybox
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1.9 million
People across the UK trust Moneybox to help build their wealth.
100,000
Homes bought with a Moneybox Lifetime ISA.
£16+ billion
Assets under administration.
Tips and tools to take you further
Round ups
Save or invest the change from your everyday spending.
Weekly stocks
Invest regularly in some of the biggest companies.
Time machine
See the future of your investments.
Pension provider search
Find and combine your old pensions.
Deposit calculator
See how much you need to save to reach your goal.
Payday boost
Top up your money automatically once you're paid.
Your questions, answered
The essentials on how Moneybox works, what it costs, and how your money's looked after.
What is Moneybox?
Moneybox is an award-winning saving and investing app, voted as Best App for 2026 by Boring Money. Over 1.9 million customers have opened a Moneybox account as of July 2026. It brings your saving, investing, home-buying and retirement products together in one place, so you can manage them from your phone. Moneybox is authorised and regulated by the Financial Conduct Authority (FCA).
How does Moneybox work?
Moneybox works through a mobile app that's free to download. Once you're registered, you can choose which products to open, add money by bank transfer, and track your accounts from your phone. It's primarily an app, but you can also manage some accounts through the Moneybox website.
What can I do with the Moneybox app?
With Moneybox you can save, invest, buy your first home, and save for retirement. Products include a Cash ISA and Simple Saver for saving, a Stocks & Shares ISA and General Investment Account (GIA) for investing, a Lifetime ISA to help buy a first home, and a Personal Pension for later life.
Remember, when investing, the value of your investments can fall as well as rise, so you might get back less than you put in. Historically, money invested for longer than five years has grown more than cash savings. Tax treatment depends on individual circumstances and may be subject to change in the future.
Is Moneybox safe?
Moneybox takes the security of your money and personal data seriously. Moneybox does not hold your personal money itself, it uses a panel of third party banks. Eligible cash deposits are protected by the by the Financial Services Compensation Scheme (FSCS) up to £120,000 per person per bank, whether that is deposited through Moneybox, other providers, or directly with the bank.
For investments, you are covered for up to £85,000 per financial institution. This covers claims if a UK-authorised investment firm becomes insolvent and your assets cannot be returned. This protection does not apply to funds domiciled outside the UK, nor does it cover losses due to poor investment performance. You can find more information on our FSCS protection page.
How much does Moneybox cost?
Moneybox is free to download, and there's no charge to open an account. What you pay depends on the product. Saving products earn interest with no platform fee. Investing products – like the Stocks & Shares ISA, Stocks & Shares Lifetime ISA and Personal Pension – have a £1 monthly subscription fee (free for your first three months), plus an annual service fee and fund provider fees charged directly by the fund managers. You can see the current fees for each product on our Fees & Charges page.
How do I open a Moneybox account?
To get started, download the Moneybox app from the App Store or Google Play, then follow the steps to register. You'll need to be a UK resident and 18 or over for most products. Once you're set up, you can open an account and add money in minutes, starting from as little as £1.
It's important you know
All investing should be long term. The value of your investments can go up and down, and you may get back less than you invest. Tax treatment depends on individual circumstances and may be subject to change in the future.
Investing
Capital at risk.
Cash ISA
Withdrawal restrictions vary across both Cash ISA accounts. A lower rate of 0.75% AER (variable) applies if your balance is below £500.
Interest is earned daily on cleared balances (rounded down to the nearest penny) and is paid monthly on the first day of each month.
The underlying rate is variable, and we’ll inform you if it changes. The bonus interest rate is fixed for 12 months from the date you open your Moneybox Cash ISA.
* Moneyfactscompare.co.uk top easy access Cash ISAs.
Business Saver
T&Cs apply. Max one withdrawal per day.
Lifetime ISA
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.
Remember: if you opt for the Stocks & Shares LISA, you’ll be investing, so your capital is at risk.
Mortgage services
Provided by First Mortgage Ltd.
Your home may be repossessed if you do not keep up repayments on your mortgage.
Pensions
If you’re not sure whether the Moneybox Pension is right for you, we recommend you speak with an independent financial advisor.
For Provider Search: Please note some of this information is gathered from a government database and may not reflect current provider information for all employers. We cannot always guarantee the accuracy of your search results where we’ve relied on this service to locate your pensions.
Moneybox Aurora
Financial plans are guidance, not financial advice. We give you options to explore, so you can make the choice that works best for you – you’re in control. If unsure, seek independent financial advice before making any decisions.