Updated October 13, 2026 · BrokerCue Editorial Team
Dodl vs Tembo Money
Facts checked September 26, 2026.
Where Dodl and Tembo Money differ
| Compare |  Dodl |  Tembo Money |
|---|---|---|
| Deposit and withdrawal fees | free deposits and withdrawals | No fees to open Cash Lifetime ISA |
| Platforms | Dodl app | Tembo app |
| Account types | ISA, SIPP, LisaCovers more | Lisa |
| Interest on cash | 3.8% | 4.46%Higher |
| Minimum deposit | £25 | Not confirmed |
| Stock trade fee | £0 | Not confirmed |
| Account fee | Not confirmed | £0 |
| Markets | Stocks, ETFs, Funds | Not confirmed |
| Currency conversion fee | 0.75% | Not confirmed |
Same on both: Regulators (Financial Conduct Authority), Investor protection (FSCS up to GBP 85,000).
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Key differences
- Platforms: only Dodl offers Dodl app.
- Platforms: only Tembo Money offers Tembo app.
- Account types: only Dodl offers ISA, SIPP.
- Interest on cash is higher at Tembo Money: 4.46% vs 3.8%.
Our verdict on each
Dodl
Dodl is an AJ Bell app aimed at UK beginners who want to sidestep dealing costs entirely. Stock trades cost £0 and cash earns 3.8%, so the saving comes from the fee-free model rather than from a richer market list.
Tembo Money
For first time savers planning a future home purchase, Tembo Money pairs Lifetime ISA savings with mortgage guidance and a clear homebuying plan. It operates an app centred service for customers who want deposit saving and property planning kept together in one place.
Score breakdown
| Area | Dodl | Tembo Money |
|---|---|---|
| Cost | 8.9 | 9.2Higher |
| Offer | 9.2HigherStock trade fee of £0 across isa, sipp and lisa, plus free deposits and withdrawals, undercuts priced platforms. | 9.0 |
| Trust | 8.6 | 8.6 |
Feature by feature
| Account types | Dodl | Tembo Money |
|---|---|---|
| ISA | Yes | No |
| SIPP | Yes | No |
| Lisa | Yes | Yes |
Positions in our rankings
| Ranking | Dodl | Tembo Money |
|---|---|---|
| Investment platforms and apps | 35 of 86 | 82 of 86 |
| Brokers for beginners | 47 of 88 | 84 of 88 |
| Lifetime ISA providers | 5 of 13 | 13 of 13 |
Licences and countries
| Country | Dodl | Tembo Money |
|---|---|---|
| United Kingdom | Financial Conduct Authority 952652 |
Available in 1 country for both.
Every fact side by side
| Fact | Dodl | Tembo Money |
|---|---|---|
| Features | Mobile app | Mobile app |
| Pricing model | Commission free, Low fees | Not confirmed |
| Audience | Beginners | Beginners |
| Legal entity | AJ Bell | Tembo Savings Limited |
| Support channels | Email, Chat, Help centre | Email, Chat, Help centre |
Where each stands against the rest
| Fact | Dodl | Tembo Money | Median |
|---|---|---|---|
| Minimum deposit | £25above the median | Not confirmed | £20 |
| Stock trade fee | £0at the median | Not confirmed | £0 |
| Account fee | Not confirmed | £0at the median | £0 |
| Currency conversion fee | 0.75%highest quarter | Not confirmed | 0.45% |
| Interest on cash | 3.8%highest quarter | 4.46%highest quarter | 3% |
Median across 43 listed brokers.
Pros and cons
Dodl
Pros
- Stock trades cost £0, the lowest stock trade fee recorded in this comparison
- free deposits and withdrawals means moving money in and out adds nothing to a portfolio
- Cash held with the account earns interest of 3.8% while you save for a purchase
Cons
- Cash interest of 3.8% is a variable rate, so the return on uninvested money can move
- Dealing runs on Dodl app only, which suits casual investors less well than a desktop platform
- Support runs on email, chat and help centre only, so there is no phone line for urgent account problems
Tembo Money
Pros
- Covers Cash and Stocks and Shares Lifetime ISA options alongside other savings choices
- Combines deposit saving with mortgage guidance and a structured homebuying plan
- Provides an app centred service that keeps savings goals and planning together
Cons
- Concentrates almost entirely on homeownership saving rather than wider investing needs
- Offers a focused ISA lineup instead of broad everyday banking products
Who each suits
Dodl
Who it suits
- UK beginners opening a first stocks, ETFs and funds portfolio
- Investors who want dealing fees at £0 and want to keep cash earning 3.8%
- Savers setting aside money in an ISA, SIPP or LISA before investing
Who should look elsewhere
- Traders who need a desktop dealing platform, because dealing sits on Dodl app
- Anyone wanting phone support, since help runs on email, chat and help centre
- Investors who trade often in foreign currency, where 0.75% charges apply
Tembo Money
Who it suits
- First time savers working toward a deposit
- Customers who want savings plus mortgage planning together
Who should look elsewhere
- General investors seeking broad market trading
- Customers seeking everyday banking beyond savings
Current offers
Tembo Money
Current offer
Bonus
Market-leading 4.46% AER Cash Lifetime ISA: 4.46% AER + 25% government bonus
New customer; underlying 3.55% AER variable + 0.91% AER fixed for first 12 months; 25% government bonus up to GBP 1,000 per tax year
Source, checked September 26, 2026
Country by country
| Country | Dodl | Tembo Money |
|---|---|---|
| United Kingdom | Yes | Yes |
Questions about each
Dodl
What does it cost to buy shares at Dodl?+
A stock trade costs £0, which is the figure that stands out on this platform. The pricing model is commission-free rather than low-fee, so dealing is designed to cost nothing. Money in and out is also free deposits and withdrawals, so a transfer adds nothing extra. The one charge to watch is 0.75% on currency conversion when you buy shares priced outside sterling.
Is my money protected at Dodl?+
Dodl is regulated by the Financial Conduct Authority, and eligible balances are covered by FSCS up to GBP 85,000. That protection is a stated limit on a claim to the firm, not a promise that investments cannot fall in value. The company operating the app is AJ Bell, so the account sits with an established UK provider rather than an offshore entity.
Tembo Money
What products does Tembo Money provide?+
Tembo Money provides Cash Lifetime ISA and Stocks and Shares Lifetime ISA options alongside HomeSaver and other ISA choices. The range keeps deposit saving for homeownership and later life within one provider. Mortgage guidance sits alongside the savings options.
How does the homebuying plan work?+
The plan breaks the journey toward buying a first home into clear stages and milestones. Savers see where to focus next and how savings connect with mortgage preparation. The approach builds confidence through structured preparation rather than separate decisions.