Getting started

What is Moneybox?

With Moneybox, you can start saving and investing for your future with as little as £1. By linking your bank account via the app you can round up your everyday purchases to the nearest pound and set aside the spare change into a savings account, or invest into thousands of global companies via tracker funds, ETFs and US stocks.

You can also deposit money into your account through one-off, weekly, or monthly contributions, and some products also offer instant payments. We offer products to suit every need – from saving for your first home, retirement or a rainy day, to looking for a mortgage or tracking down your old pension pots – we’ve got you covered!

We started Moneybox because people are growing up without the tools and information they need to build their financial futures. Many don’t know where to start and it can feel confusing and unachievable when it comes to saving and investing. We’re determined to change this and to make saving and investing simple, enjoyable to use and available to everyone.

*Remember, investments can offer higher returns than savings accounts over the long term, typically for at least 5 years or more. All investments carry varying degrees of risk and you may get back less than you invest.

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It's important you know

Capital at risk. All investing should be for the longer 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.

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.

Your home may be repossessed if you do not keep up repayments on your mortgage.

Payments you make into your pension won’t be accessible until the minimum pension age (currently 55, increasing to age 57 from 2028). Tax treatment depends on individual circumstances and may be subject to change in the future.

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