Moneybox review
Updated September 28, 2026 · BrokerCue Editorial Team · Facts checked September 26, 2026
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Our verdict
Moneybox suits UK savers who want a robo-advisor to run their isa and sipp rather than trade themselves. A minimum investment of £1, portfolios built from etf and esg assets and FSCS up to GBP 85,000 behind the balance make it an easy, well protected way to start investing in the UK.
Key facts
- Best for
- Small, regular UK saving into an ISA or SIPP that is invested for you.
- Management fee
- 0.15% (Source, checked September 26, 2026)
- Minimum investment
- £1 (Source, checked September 26, 2026)
- Regulators
- Financial Conduct Authority (Source, checked September 26, 2026)
- Investor protection
- FSCS up to GBP 85,000 (Source, checked September 26, 2026)
- Account types
- ISA, SIPP (Source, checked September 26, 2026)
- Portfolio types
- ETF, ESG (Source, checked September 26, 2026)
- Legal entity
- Digital Moneybox Limited (Source, checked September 26, 2026)
- Headquarters
- United Kingdom (Source, checked September 26, 2026)
- Founded
- 2015 (Source, checked September 26, 2026)
- Support channels
- Chat, Phone, Email, Help-centre (Source, checked September 26, 2026)
- Official website
- moneyboxapp.com
Apps and profiles
- Elsewhere
- WikidataTrustpilotLinkedInX
Pros and cons
Pros
- Annual charge of 0.15% on ISA and SIPP accounts, under the 0.35% category median.
- A minimum investment of £1 keeps the barrier to entry low.
- Regulated by the Financial Conduct Authority and run by Digital Moneybox Limited, which has traded since 2015.
- Help is easy to reach through chat, phone and email, with phone and email as well as chat.
Cons
- Account choice is limited to isa and sipp, with no general investment account listed.
- Portfolio choice is narrow, confined to etf and esg options rather than a long fund list.
Who it suits
- UK savers who want an ISA or SIPP invested for them, with etf and esg portfolio choices.
- Beginners happy to leave the investment mix to the provider, since a 0.15% annual charge covers a managed portfolio.
- Savers building a tax wrapper for later life, since isa and sipp accounts are available.
Who should look elsewhere
- eToro, at a management fee of 0%, for anyone who wants the lowest ongoing cost of the three.
- Vivid Standard, where fees run 0.5% to 1.5%, well above the 0.15% charged here.
- Axos Invest, which needs $100 to start, for investors putting a larger amount in from the beginning.
How Moneybox compares
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Where Moneybox is available
- Available
- United Kingdom
- Licence in United Kingdom
- Financial Conduct Authority (712935), checked September 26, 2026
Countries from the brand (Source, checked September 26, 2026)
Frequently asked questions
What does Moneybox charge?+
Moneybox charges 0.15% a year on ISA and SIPP accounts, and the portfolios behind them are drawn from etf and esg options. That annual rate sits under the 0.35% category median, which keeps the ongoing cost modest as the balance grows.
How much do I need to start investing?+
The minimum investment is £1, so an account can be opened with a small amount. That sits well below the €60.06 median across robo-advisors, which makes regular monthly saving the practical route to building the balance.
Is my money safe with Moneybox?+
Moneybox is regulated by the Financial Conduct Authority and is run by Digital Moneybox Limited, based in the United Kingdom. It lists investor protection as FSCS up to GBP 85,000, and the Financial Conduct Authority licence number as 712935. The company has traded since 2015.
What kinds of account can I open?+
Moneybox offers isa and sipp accounts, so money is held in a tax wrapper rather than a general account. The ISA and the SIPP are invested the same automated way, with portfolios drawn from etf and esg options. That suits people who want the wrapper settled for them.
What can I invest in?+
Portfolios are built from etf and esg options, so the range is deliberately narrow rather than a long fund list. An ESG choice sits alongside the ETF portfolios, and both are offered inside the ISA and SIPP wrappers.
How do I get help from Moneybox?+
Support runs through chat, phone and email, covering chat, phone, email and a help centre. Phone and email are both offered, so help is not limited to in-app messaging. That makes Moneybox easier to reach than a chat-only service.
Who is Moneybox suited to?+
Moneybox suits UK savers who want an ISA or SIPP invested without choosing funds themselves. The minimum investment of £1 and the 0.15% annual charge suit regular savers rather than active traders, and portfolio choice stays narrow at etf and esg options.
Sources
- find-and-update.company-information.service.gov.uk/compan... checked September 26, 2026
Backs: Founded, Headquarters
“Incorporated on 19 May 2015”
- moneyboxapp.com checked September 26, 2026
Backs: Investor protection, Legal entity, Minimum investment, Regulators, Licences
“Moneybox is a registered trade mark of Digital Moneybox Limited.”
- moneyboxapp.com/cash-isa checked September 26, 2026
Backs: Account types
“Cash ISA, an Open Access Cash ISA, a Stocks & Shares ISA, and Lifetime ISAs”
- moneyboxapp.com/isa checked September 26, 2026
Backs: Management fee, Portfolio types
“Moneybox funds Service fee Charged monthly. 0.15% (other providers' funds 0.45%)”
- moneyboxapp.com/support checked September 26, 2026
Backs: Support channels
“chatting to our Moneybox team via the mobile app or web chat ... You can also give us a call on 0330 808 1866 ... Email us support@moneyboxapp.com”
Compiled from 5 source pages, checked September 26, 2026. We did not open an account.
Related by the facts
Moneybox
Small, regular UK saving into an ISA or SIPP that is invested for you.