Invest with a Moneybox Stocks & Shares ISA

Track the global stock market with shares in more than 1,600 companies like Apple and Amazon.

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Invest in global companies that score highly on environmental, social and governance (ESG) factors.

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Champion the healthcare sector by investing in companies like Johnson & Johnson and Pfizer.

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Amazon is the world’s largest e-commerce company.

Starting out as a bookshop founded by billionaire Jeff Bezos, Amazon has grown to sell everything from electronic goods, to food, alcohol and sports equipment. It also has a range of its own products, including the Amazon Kindle and Amazon Alexa.

Apple is the largest tech company in the world, and it was the first US company to hit a market capitalisation of over $1 trillion back in 2018.

You’re probably familiar with its products – you might even own one or two.

Coca-Cola is the global drinks company that owns brands including Costa, Fanta and Sprite.

The company’s flagship product – Coca-Cola – has a recipe that uses coca leaves and the kola nut, which is where the name Coca-Cola originally came from.

ISA stands for Individual Savings Account, and is a government scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest and capital gains. You can deposit up to £20,000 into an ISA each tax year, and this limit is shared across all of the ISAs that you have open.

At Moneybox, we offer a Cash ISA, an Open Access Cash ISA, a Stocks & Shares ISA, and Lifetime ISAs (both Cash and Stocks & Shares).

Our Stocks & Shares ISA allows you to invest your money in a range of tracker (mutual) funds, ETFs, and some of your favourite US companies. Investing your money can provide higher returns than a Cash ISA over the long term (minimum of five years), however, as with all investing, your capital is at risk and you may get back less than you invest. You can sell any settled investments at any time and hold money in your Available Cash, which will earn interest.

Our usual investment account fees also apply to our Stocks & Shares ISA, which you can find in detail here. You can also read more about our Stocks & Shares ISA here.

Moneybox offers two Cash ISAs – the Cash ISA and Open Access Cash ISA – both are cash savings accounts and do not offer any investment options. To open a Moneybox Cash ISA or Open Access Cash ISA, you’ll need to make a first deposit of at least £500, or transfer in an existing ISA from elsewhere.

For both our Cash ISA and Open Access Cash ISA, you’ll earn a higher rate by keeping an account balance of £500 or more, which for new customers also includes a fixed bonus rate during the introductory offer period.

For our Cash ISA only, you can withdraw as often as you’d like, however, if you withdraw four or more times within each 12-month period from the date of opening your Cash ISA, you’ll receive the lower rate for the rest of that period and lose the bonus rate if this is within your first 12 months. The number of withdrawals you can make without impacting your rate resets each year on the date you opened your Cash ISA. You can find more information about the account here.

Moneybox has worked with experts to offer you three Starting Options – Cautious, Balanced and Adventurous. All you need to do is pick one based on your attitude to risk and return.

Each Starting Option contains a mix of tracker (mutual) funds. If you’d like to, you can customise the asset allocations of our suggested Starting Options to create a personalised portfolio. However, you should bear in mind that our Starting Options have been carefully designed by investment experts to optimise risk and return for the selected risk appetite. Please make sure you fully understand how changing your allocation could impact your investment return and risk level before making any changes to these allocations.