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Moneybox investment platform review
Is Moneybox any good?
In our latest customer satisfaction survey, Moneybox received a customer score of 76% for its stocks and shares Isa, putting it joint 4th out of 25 providers.
Moneybox is a mobile app that lets you invest with as little as £1 and offers a range of savings and investment products.
It achieved one of the highest scores in our customer survey and earned four out of five stars for how easy it is to use the platform.
However, it missed out on Which? Recommended Provider status because of its high platform fee of 0.45% plus £1 a month. Moneybox proves expensive for portfolios larger than £50,000, in particular.
Moneybox offers very few investments, so it may suit investors who are overwhelmed by the amount of assets out there, but it might also frustrate users who want more choice.
The minimum investment with Moneybox is £1.
Please note that the information in this article is for information purposes only and does not constitute advice. Please refer to the particular terms and conditions of an investment platform before committing to any financial products.
- Find out more: Best investment platforms in the UK 2025
Moneybox stocks and shares Isa star ratings in more detail
| Aspect of service | Star rating |
| Customer service | |
| Ease of use | |
| Information on investments | |
| Value for money |
What do customers say about Moneybox?
Comments from Moneybox customers that took part in our survey include:
- ‘I've had no problems when I have contacted Moneybox, with questions answered quickly, and it is easy to contact via the app.’
- ‘Using Moneybox has been very straightforward and as a novice investor my options are presented clearly.’
- ‘It's easy to use and explains investing and investments very clearly and in simple language, and the site has a great layout and design.’
Visit Moneybox to find out more about its accounts, services and investment options.
How much does Moneybox cost?
There is no difference in fees whether you're investing in a Moneybox stocks and shares Isa or general investment account.
Platform charge
- £1 per month, plus 0.45% of the value of your investments per year
Trading charge
- None
Foreign exchange charge
This applies to each trade of investments denominated in another currency, for example US stocks, on top of fund and trading charges.
- 0.45% (US only)
How much would I pay to invest with Moneybox?
We've estimated the cost of investing over a year in a Moneybox stocks and shares Isa, assuming you make four purchases and four sales each year.
Costs will vary depending on how much you invest and whether you trade funds or shares.
| Amount invested | Annual fund charges | Annual shares, ETFs and investment trusts charges |
| £5,000 | £32 | £32 |
| £10,000 | £54 | £54 |
| £25,000 | £122 | £122 |
| £50,000 | £234 | £234 |
| £100,000 | £458 | £458 |
| £250,000 | £1,132 | £1,132 |
| £500,000 | £2,254 | £2,254 |
Table notes: Annual charges include platform fee and any trading charges. We have not included other charges that might apply, such as foreign exchange fees or fund management charges that are levied by fund managers, as these vary depending on the specific investments you hold. Fund management fees can range from less than 0.1% for some passively managed 'tracker' funds, to 1.25% or more for actively managed funds or investment trusts.
- Find out more: Compare investment platform fees and charges
What can you invest in with Moneybox?
Moneybox accounts and services
Find out more about Moneybox by using the links below to view their accounts and services:
- General investment account
- Stocks and shares Isa (not flexible)
- Self-invested personal pension (Sipp)
- Lifetime Isa
- Junior investment Isa
- Cash Isa
- Mortgage broking
- Savings account
How many investments does Moneybox have?
- 12 funds (including one pension-only fund)
- 12 exchange-traded funds
- 21 US stocks
Correct as of January 2025
Is Moneybox good for ethical investors?
Of the trusts and exchange-traded funds on offer at Moneybox, there are four with ESG (environmental, social and governance) in the name and others covering sectors that could appeal to ethical investors, such as clean water.
However, Moneybox provides little information on the details of these funds, such as the top 10 holdings or a sector breakdown.
- Find out more: Ethical investing explained
Is your money safe with Moneybox?
Moneybox is regulated by the Financial Conduct Authority and covered by the Financial Services Compensation Scheme (FSCS).
When you invest with an investment platform that's registered with the Financial Conduct Authority, your money will be ring-fenced and should be returned if a company goes bust - without you having to wait alongside other creditors.
If ring-fencing failed, you would be compensated by the FSCS.
The FSCS will cover up to £85,000 of investments per person, per platform. You can claim for free online at www.fscs.org.uk; there's no reason to use a claims management company.
You won't be compensated for investments falling in value or if a company in which you hold shares goes bust unless this poor performance resulted from bad advice from a regulated independent financial adviser that has since gone bust.
- Find out more: How the FSCS works