Updated October 13, 2026 · BrokerCue Editorial Team
Moneybox vs Stash
Moneybox vs Stash: the differences
| Compare |  Moneybox |  Stash |
|---|---|---|
| Markets | Stocks, ETFs, FundsCovers more | Stocks, ETFs |
| Regulators | Financial Conduct Authority | SEC, FINRA |
| Investor protection | FSCS up to GBP 85,000 | SIPC up to USD 500,000 |
| Account types | ISA, Lisa, Jisa, SIPP | IRA, Roth IRA |
| Minimum deposit | Not confirmed | $0 |
| Stock trade fee | Not confirmed | $0 |
| Account fee | Not confirmed | $144 |
| Platforms | Not confirmed | Web, iOS, Android |
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Key differences
- Regulators: only Moneybox offers Financial Conduct Authority.
- Regulators: only Stash offers SEC, FINRA.
- Markets: only Moneybox offers Funds.
- Account types: only Moneybox offers ISA, Lisa, Jisa.
- Account types: only Stash offers IRA, Roth IRA.
- Features: only Moneybox offers Demo account.
Our verdict on each
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.
Stash
Stash suits US beginners who want a retirement pot built from a phone rather than a wide market. Trades cost $0 and the minimum deposit is free, but the account fee of $144 a year is the price of that simplicity.
Score breakdown
| Area | Moneybox | Stash |
|---|---|---|
| Cost | Not confirmed | 9.1A free minimum deposit and $0 trades rank 1 of 213 and 1 of 161, but the $144 account fee is the weight. |
| Offer | 9.0Higher | 8.8 |
| Trust | 8.6 | 9.0Higher |
Feature by feature
| Markets | Moneybox | Stash |
|---|---|---|
| Stocks | Yes | Yes |
| ETFs | Yes | Yes |
| Funds | Yes | No |
| Account types | Moneybox | Stash |
|---|---|---|
| ISA | Yes | No |
| SIPP | Yes | No |
| IRA | No | Yes |
| Roth IRA | No | Yes |
| Lisa | Yes | No |
| Jisa | Yes | No |
Availability and regulation
| Country | Moneybox | Stash |
|---|---|---|
| United Kingdom | Financial Conduct Authority 712935 | Not confirmed |
| United States | Not confirmed |
Additional countries for Moneybox: 1. Additional countries for Stash: 1.
Where they rank in our lists
| Ranking | Moneybox | Stash |
|---|---|---|
| Stock and ETF brokers | 384 of 471 | 148 of 471 |
| Investment platforms and apps | 69 of 86 | 31 of 86 |
| Brokers for beginners | 77 of 88 | 38 of 88 |
| Robo-advisors | 122 of 151 | 57 of 151 |
Pick Moneybox if, pick Stash if
Pick Moneybox if markets matter most.
Pick Stash if trust matter most.
Every fact side by side
| Fact | Moneybox | Stash |
|---|---|---|
| Features | Mobile app, Fractional shares, Demo accountCovers more | Fractional shares, Mobile app |
| Pricing model | Not confirmed | Commission free |
| Audience | Beginners | Beginners |
| Legal entity | Digital Moneybox Limited | Stash Investments LLC |
| Headquarters | United Kingdom | United States |
| Founded | Not confirmed | 2015 |
| Support channels | Help centre | Help centre |
Robo-advisors
| Fact | Moneybox | Stash |
|---|---|---|
| Management fee | Not confirmed | $108 to $144 |
| Minimum investment | £1 | $5 |
| Portfolio types | ETF, CashCovers more | ETF |
Where each stands against the rest
| Fact | Moneybox | Stash | Median |
|---|---|---|---|
| Minimum deposit | Not confirmed | $0below the median | $25 |
| Stock trade fee | Not confirmed | $0at the median | $0 |
| Account fee | Not confirmed | $144highest quarter | $0 |
Median across 134 listed brokers.
Pros and cons
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
Stash
Pros
- Stock trades cost $0 and the model is commission-free, so small orders carry no per-trade charge.
- The portfolio option is an etf portfolio alongside ira and roth ira accounts, which keeps retirement saving in one place.
- Access runs through Web, iOS and Android, and fractional shares spread small contributions across holdings.
Cons
- The account fee of $144 a year leaves Stash at 134 of 138 brands on that measure, while eToro lists $0.
- Support runs on help centre only, so questions about a retirement account are left to articles.
- Trading is limited to stocks and etfs with an etf portfolio, so there is no forex, crypto or CFD route.
Who each suits
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
Stash
Who it suits
- US beginners who want a retirement account, a phone app and a small starting amount rather than a wide market.
- Long-term savers content to hold stocks and etfs and an etf portfolio without picking markets themselves.
- Readers who weigh regulation first, since Stash is registered with SEC and FINRA in the US.
Who should look elsewhere
- Readers who want forex, crypto or CFDs, since CFI lists stocks, etfs and forex.
- Anyone put off by a yearly charge, as eToro lists $0 for its account.
- Readers who prefer a provider with a published entry figure, such as Vantage at $5, rather than a free minimum deposit.
Current offers
Stash
Current offer
Free trial
Try Stash for 7 days: 7-day trial
new Stash Plan subscriptions
Source, checked September 26, 2026
Country by country
| Country | Moneybox | Stash |
|---|---|---|
| United Kingdom | Yes | No |
| United States | No | Yes |
Questions about each
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.
Stash
How much does Stash cost to run?+
Running the plan costs a management fee of $108 to $144 a year, and the account fee is $144. Stock trades cost $0 and the model is commission-free, so the charge sits with the subscription rather than the order. The site median account fee is €0, so Stash sits at the dear end of the table.
How much do I need to start?+
The minimum deposit is free, and the minimum investment is $5, so an account can be opened at a size that suits a monthly habit rather than a lump sum. Stash ranks 1 of 213 brands on this measure, against a site median of €4.64.
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