Updated October 13, 2026 · BrokerCue Editorial Team
Finhabits vs Moneybox
Finhabits vs Moneybox: the differences
| Compare |  Finhabits |  Moneybox |
|---|---|---|
| Regulators | U.S. Securities and Exchange Commission (SEC) | Financial Conduct Authority |
| Investor protection | SIPC up to USD 500,000 | FSCS up to GBP 85,000 |
| Account types | IRA, Roth IRA | ISA, Lisa, Jisa, SIPP |
| Portfolio types | ETF | ETF, CashCovers more |
| Management fee | 1% | Not confirmed |
| Minimum investment | Not confirmed | £1 |
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Key differences
- Regulators: only Finhabits offers U.S. Securities and Exchange Commission (SEC).
- Regulators: only Moneybox offers Financial Conduct Authority.
- Account types: only Finhabits offers IRA, Roth IRA.
- Account types: only Moneybox offers ISA, Lisa, Jisa.
- Portfolio types: only Moneybox offers Cash.
- Support channels: only Finhabits offers Email, Phone.
Our verdict on each
Finhabits
Finhabits is a US robo-advisor built for beginners, opening at a minimum deposit of $0 and running managed stocks and etfs portfolios under US regulation. The trade-off is the $120 account fee, which sits on top of the 1% management fee.
Moneybox
Moneybox trades broad market choice for simplicity by focusing on ISAs, savings and pensions in one place. For newcomers who want everyday saving, first home planning and long term investing guided in plain English, it keeps every goal together for customers across the UK.
Score breakdown
| Area | Finhabits | Moneybox |
|---|---|---|
| Cost | 8.1Management fee of 1% against a 0.35% median here, plus an account fee of $120 and a minimum deposit of $0. | Not confirmed |
| Offer | 8.9 | 9.0Higher |
| Trust | 8.7Higher | 8.6 |
Licences and countries
| Country | Finhabits | Moneybox |
|---|---|---|
| United Kingdom | Not confirmed | Financial Conduct Authority 712935 |
| United States | Not confirmed |
Additional countries for Finhabits: 1. Additional countries for Moneybox: 1.
Where they rank in our lists
| Ranking | Finhabits | Moneybox |
|---|---|---|
| Stock and ETF brokers | 213 of 471 | 384 of 471 |
| Investment platforms and apps | 48 of 86 | 69 of 86 |
| Brokers for beginners | 62 of 88 | 77 of 88 |
| Robo-advisors | 93 of 151 | 122 of 151 |
Side by side, item by item
| Portfolio types | Finhabits | Moneybox |
|---|---|---|
| ETF | Yes | Yes |
| Cash | No | Yes |
| Account types | Finhabits | Moneybox |
|---|---|---|
| ISA | No | Yes |
| SIPP | No | Yes |
| IRA | Yes | No |
| Roth IRA | Yes | No |
Where these facts come from
Finhabits
- finhabits.com: 7 facts, checked September 26, 2026
- flexoffers.com: 1 fact, checked September 26, 2026
Moneybox
- moneyboxapp.com: 5 facts, checked September 26, 2026
- moneybox.co.uk: 3 facts, checked September 26, 2026
Every fact side by side
| Fact | Finhabits | Moneybox |
|---|---|---|
| Legal entity | Finhabits, Inc. | Digital Moneybox Limited |
| Headquarters | United States | United Kingdom |
| Support channels | Email, Phone, Help centreCovers more | Help centre |
Brokers
| Fact | Finhabits | Moneybox |
|---|---|---|
| Minimum deposit | $0 | Not confirmed |
| Account fee | $120 | Not confirmed |
| Markets | Stocks, ETFs | Stocks, ETFs, FundsCovers more |
| Features | Mobile app | Mobile app, Fractional shares, Demo accountCovers more |
| Audience | Beginners | Beginners |
Where each stands against the rest
| Fact | Finhabits | Moneybox | Median |
|---|---|---|---|
| Management fee | 1%highest quarter | Not confirmed | 0.345% |
| Minimum investment | Not confirmed | £1below the median | £50 |
Median across 86 listed brokers.
Pros and cons
Finhabits
Pros
- Regulated by the U.S. Securities and Exchange Commission, with investor protection listed as SIPC up to USD 500,000.
- Support runs on email, phone and help centre, so help is easy to reach.
- The portfolio build is etf focused, with picks made for you across stocks and etfs.
Cons
- The $120 account fee is the sting, sitting on top of the 1% management fee.
- The range is limited to stocks and etfs, so there is no wider asset choice.
- Account types come down to ira and roth ira options at a brand based in the United States.
Moneybox
Pros
- Covers cash savings, ISAs, first home saving and pensions together
- Supports combining old pensions into one easy to manage plan
- Welcomes beginners with plain guidance for long term goals
Cons
- Focused range around ISAs, savings and pensions only
- UK centred offer for customers planning home and retirement goals
- Long term focus with less choice for active market trading
Who each suits
Finhabits
Who it suits
- US beginners, since the service is built for beginners.
- Savers who want the holdings chosen for them across stocks and etfs.
- People already investing for retirement, matching the ira and roth ira list.
Who should look elsewhere
- Readers who want to pay nothing on management can start with eToro, where the fee is 0%.
- Anyone after a wider fee band should look at Vivid Standard, at 0.5% to 1.5%.
- Investors who treat the protection scheme as the deciding factor can also check Axos Invest, which names SIPC.
Moneybox
Who it suits
- First home savers planning a deposit
- Beginners building long term ISA investments
- Pension holders wanting combined pots
Who should look elsewhere
- Active traders seeking wide market choice
Country by country
| Country | Finhabits | Moneybox |
|---|---|---|
| United Kingdom | No | Yes |
| United States | Yes | No |
Questions about each
Finhabits
What does Finhabits cost to run an account?+
Finhabits charges a management fee of 1% on the portfolio and an account fee of $120. The account fee is the part to watch, since it is a flat charge on top of the percentage. The median management fee across the robo-advisors compared here is 0.35%.
How much do I need to put in before I can start?+
The minimum deposit is $0, so there is no floor to clear before saving begins. Accounts come as ira and roth ira options, which decides the wrapper you hold. The listed feature is mobile app, so the app is the main way in.
Moneybox
What accounts can you open with Moneybox?+
You can open a Cash ISA for everyday savings, a Lifetime ISA for a first home, and a Stocks and Shares ISA for long term investing. You can also open a Personal Pension and use general savings accounts to build funds for different life goals.
Which countries does Moneybox serve?+
Moneybox serves customers across the UK who want to save, invest and plan retirement in one place. Its Lifetime ISA content focuses on first time home ownership in the UK. Its pension content focuses on finding and combining existing UK pension pots.
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