Moneybox vs Plum - BrokerCue
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Broker Comparison

Moneybox vs Plum

Compare Moneybox and Plum side by side: fees, regulation, platforms.

Moneybox

Moneybox

UK beginners saving for the long term

Moneybox is a UK savings and investing app offering ISAs, a Lifetime ISA, pension, round-up investing and rea…

VS
Plum

Plum

Automated savings and beginner investors

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ ind…

Head-to-head comparison

Moneybox vs Plum
Feature Moneybox Plum
Minimum deposit - -
Stock trading fee £0 commission; 0.45% FX fee applies to US stock trades 2 free lifetime trades then: £0.50/trade (Basic), £0.15/trade (Plus), £0.05/trade (Boost), £0.00/trade (Max); FX fee 0.60% (Basic), 0.45% (Plus), 0.30% (Boost), 0.15% (Max) per trade
Regulators FCA FCA
Best for UK beginners saving for the long term Automated savings and beginner investors
Markets & account
Stocks
ETFs
-
Funds
Ready Made Portfolios
Fractional Shares
Investment Plans
Isa
Sipp
Savings Vaults
Business Account
-
Money Market Funds
-

Pros & cons

Moneybox

Moneybox

Pros

  • No commission on buying or selling investments
  • No withdrawal fee and no inactivity fee
  • Lifetime ISA with 25% government bonus available
  • SIPP has no monthly subscription fee
  • Round-up feature automates investing from everyday card purchases
  • Wide account range: Stocks ISA, Cash ISA, LISA, Junior ISA, SIPP, GIA
  • Low £1 minimum investment
  • FCA regulated with FSCS protection

Cons

  • £1 monthly subscription fee can disproportionately affect small portfolios
  • 0.45% annual platform fee is higher than some low-cost alternatives
  • Very limited individual stock selection (approximately 20 US stocks)
  • Mobile app only - no full desktop web platform
  • No demo account
  • No advanced charting, research tools or economic calendar
  • Transfers in can take up to 30 days
  • Cash ISA requires £500 minimum and drops to a lower rate below that threshold
Plum

Plum

Pros

  • Free Basic plan with automated savings and stock access
  • Stocks and Shares ISA and SIPP available on paid tiers
  • Fractional stock investing from £1
  • 3,000+ individual US company stocks available
  • 26 curated mutual funds from Vanguard and BlackRock
  • FCA-regulated with FSCS protection up to £85,000 on investments
  • Automated savings powered by spending analysis
  • Multiple savings account types including Cash ISA and Lifetime ISA

Cons

  • Individual stocks cannot be held inside the Stocks and Shares ISA - only mutual funds are ISA-eligible, leaving stock gains potentially subject to capital gains tax
  • Only 26 mutual funds available, a narrower range than dedicated investment platforms
  • Stacked fees on paid tiers: subscription fee plus platform fee plus fund manager fee
  • Two free lifetime trades then a per-trade charge on Basic and Plus plans
  • Crypto available only for EU/Cyprus users via Bitpanda; not available to UK customers
  • No demo or practice account
  • Fund access requires a paid subscription; Basic plan is limited
Moneybox

Moneybox

Moneybox is a UK savings and investing app offering ISAs, a Lifetime ISA, pension, round-up investing and ready-made portfolios, aimed at long-term savers.

Visit Moneybox Read review

Your capital is at risk. Other fees apply.

Plum

Plum

Plum is a UK savings and investment app that automates saving, offers ISA, SIPP, mutual funds, and 3,000+ individual stocks via a tiered subscription model.

Visit Plum Read review

Your capital is at risk. Other fees apply.

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