# Moneybox

Moneybox is an Asset Manager based in London, UK.

## Overview

- **Organization type:** Asset Manager
- **Headquarters:** London, UK
- **Region:** Europe
- **Address:** London, United Kingdom
- **Founded:** 2015
- **Assets under management:** £5B–£8B (Altss estimate)
- **Website:** moneyboxapp.com
- **LinkedIn:** https://www.linkedin.com/company/moneybox

## Regulatory record

- **Reports private funds:** No

## About

MoneyBox offers ERP software solutions for electronic invoicing and payroll management. Its tools include electronic invoicing, payroll management, and sales and customer relationship management systems. Founded in 2005, the company is based in Reynosa, Mexico.

## Sectors

- FinTech
- Wealth Management

## People

- Ben Stanway — Co-Founder & CEO
- Charlie Mortimer — Co-Founder

## Questions

### Who makes the investment decisions within Moneybox's portfolios?

Moneybox does not employ in-house active fund managers making individual security selections. The platform uses a range of third-party tracker funds from managers including BlackRock, Vanguard, and Legal & General. The firm constructs and rebalances the standard Cautious, Balanced, and Adventurous model portfolios using these passive building blocks, with the investment committee overseeing the model design and fund selection. Individual users choose their risk level but do not pick the underlying funds.

### How does Moneybox actually make the round-up mechanism work from a regulatory and custody perspective?

When a user links a current account via open banking or card-reading permissions, Moneybox tracks each card transaction and calculates the round-up difference. Once the accumulated weekly round-up total reaches a threshold, the app initiates a direct debit from the linked current account. The collected funds are passed through to the user's Moneybox investment account, where they purchase units in the preselected tracker fund model. Customer assets are held securely with a third-party custodian, completely segregated from Moneybox's own corporate funds, as required under FCA client-money rules.

### Does Moneybox participate in fund commitments or direct private investments as a firm?

No. Moneybox is a retail platform, not an institutional allocator. The firm does not operate a balance-sheet investment portfolio, nor does it function as a limited partner in external private equity or venture capital funds. Its corporate venture funding is raised on the other side of the house. The only investment activities are the aggregation and administration of retail customer contributions into publicly available index-tracking funds, alongside a small broking operation that arranges residential mortgages.

### Which asset classes can a user access through Moneybox, and which are explicitly excluded?

The platform offers exposure to developed and emerging-market equities, global government and corporate bonds, UK property securities, and cash savings via the SimpleSaver product. It explicitly excludes direct individual stocks, single-sector thematic funds, derivatives, commodities, and cryptocurrencies. The product design philosophy deliberately constrains choice to a small number of diversified, risk-graded model portfolios, which the firm sees as removing the behavioural risk of users chasing speculative exposures.

### What is Moneybox's relationship with the broader Fidelity International organisation?

Fidelity International Strategic Ventures (FISV) is a minority venture investor in Moneybox through the corporate venture arm of Fidelity International. Moneybox uses tracker funds from multiple providers — including BlackRock and Vanguard alongside Fidelity — and there is no exclusive distribution or product-tying agreement. The investment is a financial stake typical of a corporate venture portfolio; it does not make Moneybox a subsidiary or affiliate of Fidelity International for regulatory or consolidation purposes.

## Related profiles

- [bolttech](https://altss.com/profile/bolttech)
- [Codat](https://altss.com/profile/codat)

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/moneybox

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