Moneybox

Moneybox At Moneybox, we're on a mission to give everyone the means to get more out of life.

At Moneybox, we believe that building wealth throughout life, and all of the freedom, opportunities, and peace of mind that come with it, should be possible for everyone. We launched in 2016 and helped thousands of people start investing with just their spare change. Today, we’re now helping more than one million people build wealth throughout their lives. Whether they’re saving and investing, buy

ing their first home, or planning for retirement, our customers will get a service they can rely on, that supports them through every step, and celebrates with them along the way.

The government has launched a consultation on a new ISA product for first-time buyers, intended to replace the Lifetime ...
24/06/2026

The government has launched a consultation on a new ISA product for first-time buyers, intended to replace the Lifetime ISA.

Brian Byrnes, our Director of Personal Finance, breaks down what’s been proposed, what it means for you, what we’re advocating for as the UK’s biggest LISA provider.

The short version: if you already have a LISA, nothing changes. The government’s consultation is about a potential new product for future savers.

As the UK’s largest Lifetime ISA provider, we’ll be participating in the consultation and advocating for first-time buyers.

Replacing the Lifetime ISA entirely and introducing yet another new account would create complexity, a lengthy transition period, uncertainty for the millions of existing LISA savers, and a gap in support for the self-employed and others who use the LISA as a way to save for retirement.

There’s still a lot we don’t know about how it will work, but if you have questions, drop them in the comments and we’ll do our best to answer them.

ISA and tax rules apply. Govt. withdrawal charge may apply. With a S&S LISA, your capital is at risk.

There’s been a lot of noise about ISAs recently – from Budget changes to ongoing consultations. We’re going beyond the h...
24/06/2026

There’s been a lot of noise about ISAs recently – from Budget changes to ongoing consultations. We’re going beyond the headlines to give you a clear picture of what’s changing, and what isn’t.

Brian Byrnes, our Director of Personal Finance, cuts through the jargon in this explainer. The short version: your existing ISA savings are protected, the £20,000 annual allowance isn’t changing, and any changes to the Cash ISA limit don’t take effect until April 2027.

Got questions? Drop them in the comments and we’ll answer them.

ISA and tax rules apply. When investing, your capital is at risk.

(Re)introducing the Moneybox Personal Pension! 👋We’ve made some changes to our award-winning pension to make growing you...
18/06/2026

(Re)introducing the Moneybox Personal Pension! 👋

We’ve made some changes to our award-winning pension to make growing your retirement savings with Moneybox feel almost effortless:

👛 Pay low fees on expertly curated Moneybox funds - our fees are capped at £150 a year, no matter the size of your pension

🔍 We’ve made our tracing tool even easier to use so you can find out in seconds if you’ve got lost pension pots

💻 You can now open and manage your Moneybox pension on desktop

⬇️ We’ve launched a new drawdown service - one of our most-requested features

💰 And you can get up to £5,000 cashback when you transfer your pension to Moneybox*

*£100 - £5,000 cashback based on transfers or deposits over £10,000 within the offer window and held until the eligible date. Capital at risk. Pension and tax rules apply. Offer until 31/07/26. T&Cs apply.

07/06/2026

Left to grow over 20 years, £500 a month could turn into nearly £300k - and you’ll have invested just £120,000 of your money.

Time lets compound interest do the heavy lifting, so your final pot is mostly made up of investment gains, not money added by you.

Get started today in the Moneybox app.

When investing, capital at risk. Illustrations are not a guarantee of performance. You may get back less than you invest.

06/06/2026

Left to grow over 20 years, £200 a month could turn into nearly £115k - and you’ll have invested just £48,000 of your money.

Time lets compound interest do the heavy lifting, so your final pot is mostly made up of investment gains, not money added by you.

Get started today in the Moneybox app.

When investing, capital at risk. Illustrations are not a guarantee of performance. You may get back less than you invest.

05/06/2026

Left to grow over 20 years, £100 a month could turn into nearly £60k - and you’ll have invested just £24,000 of your money.

Time lets compound interest do the heavy lifting, so your final pot is mostly made up of investment gains, not money added by you.

Get started today in the Moneybox app.

When investing, capital at risk. Illustrations are not a guarantee of performance. You may get back less than you invest.

Buying your first home is a huge milestone - and no one really teaches you how to do it. 🤔In this series, we’re breaking...
02/06/2026

Buying your first home is a huge milestone - and no one really teaches you how to do it. 🤔

In this series, we’re breaking down the things nobody tells you about buying your first home, starting with the different costs you need to save for (spoiler alert: it’s not just the deposit).

Save this post for later, share it with someone on the same journey, and let us know in the comments what surprised you.

ISA and tax rules apply. When investing, your capital is at risk. Your Lifetime ISA has to be open for at least 12 months before you can use it to buy your first home. A 25% government penalty applies if you withdraw money from a Lifetime ISA for any reason other than buying your first home (up to £450,000) or for retirement, and you may get back less than you paid in.

This week we delivered an open letter to the chancellor, urging the government to build on the success of the Lifetime I...
29/05/2026

This week we delivered an open letter to the chancellor, urging the government to build on the success of the Lifetime ISA (LISA), rather than replacing it.

The Lifetime ISA is working. By offering savers a 25% bonus on their money (worth up to £1,000 each tax year), the LISA encourages positive behaviour, and it has already enabled hundreds of thousands of people to buy their first home, and is helping over a million more grow their deposits.

A recent survey of Moneybox Lifetime ISA savers found that almost 6 in 10 had been able to save a deposit faster than would have otherwise been possible, and almost half (49%) credited the government bonus being paid monthly as motivation to keep them saving consistently.

With some thoughtful updates the LISA can help even more first-time buyers, today and in the future. When asked how the LISA could be improved, more than 80% of savers want the property price cap (currently £450,000) to increase in line with house prices, and three-quarters want the withdrawal penalty to be reduced or removed to give them more flexibility.

A new product isn’t in the best interests of first-time buyers. It would add unnecessary complexity for over 1.5 million and risks reintroducing challenges that the Lifetime ISA was designed to address.

More than a quarter of the LISA savers we surveyed are concerned they may not be able to transfer their LISA savings into any new product if desired. Meanwhile, one in ten are concerned that a shift in focus toward a new product could leave the needs of existing LISA savers overlooked in future.

You can read the full content of the letter, and our recommendations for futureproofing the Lifetime ISA, below.

Govt withdrawal charge may apply. ISA and tax rules apply. With S&S LISA, capital at risk.

Source: Moneybox survey, February 2026.

25/05/2026

Saving for your first home? This video’s for you.

The government is considering replacing the Lifetime ISA with a new product for first-time buyers, and we don’t think that’s the right move for first-time buyers now or in the future.

We’ve written to the chancellor directly to explain why, and what they should do instead.

The Lifetime ISA is working. By offering savers a 25% bonus on their money (worth up to £1,000 each tax year), the LISA encourages positive saving behaviour. It has already enabled hundreds of thousands of people to buy their first home, and is helping over a million more grow their deposits.

Replacing the LISA risks reintroducing challenges that it was designed to address, while adding complexity for the over 1.5 million people using it to save for a first home or retirement.

If you already have a LISA, your account and your 25% bonus aren’t going anywhere. As the UK’s largest Lifetime ISA provider, we want to make sure future savers can access the same.

Govt withdrawal charge may apply. ISA and tax rules apply. With S&S LISA, capital at risk.

We’re proud to share that Moneybox has been named Best Lifetime ISA Provider at this year’s British Bank Awards 🏆🎉 We w...
22/05/2026

We’re proud to share that Moneybox has been named Best Lifetime ISA Provider at this year’s British Bank Awards 🏆🎉 We were also Highly Commended in the Best Personal Finance App category.

At Moneybox, we believe that wealth isn’t just about the money - it’s the means to more. Whether that’s a place to call your own, or the retirement you always dreamed of, we’re on a mission to give everyone the means to get more out of life.

The Moneybox Lifetime ISA has already helped more than 100,000 people buy their first home and is supporting many more savers on their journey to home ownership. We were given this award based on their reviews, which makes it even more meaningful.

Thank you to all of the customers who voted for us this year, and to the whole Moneybox team for all their hard work delivering on our mission.

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