Review Insights · Google Play
Moneybox - Save and Invest
Digital Moneybox Limited · 23,817 ratings · ★ 4.4
4.4
★★★★★
23,817 ratings
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Top complaints - extracted from 46 negative reviews
Recurring phrases mined from 1-2★ reviews. The bigger the percentage, the more users have the same problem. Fix the top 2-3 in your version and you have product-market fit on day one.
1
"account"
13 negative reviews mention this · 28% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
2
"money"
13 negative reviews mention this · 28% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
3
"moneybox"
11 negative reviews mention this · 24% of all complaints
★★★★★ "Just moved to Moneybox and the app is awful. Horrible to navigate, impassible to find anything, impossible to see actual interest earned by period, no easy view of transaction history. Run a statement and it shows no interest at all. App sh…" - Joe Baker
4
"interest"
8 negative reviews mention this · 17% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
5
"find"
8 negative reviews mention this · 17% of all complaints
★★★★★ "difficult to find the information within the app. interest very low for long time customers. difficult to transfer Isa to alternative provider as there are no sort codes or account numbers. once a find an alternative I will transfer." - Keith Hill
6
"trying"
7 negative reviews mention this · 15% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
7
"transfer"
7 negative reviews mention this · 15% of all complaints
★★★★★ "difficult to find the information within the app. interest very low for long time customers. difficult to transfer Isa to alternative provider as there are no sort codes or account numbers. once a find an alternative I will transfer." - Keith Hill
8
"cash"
7 negative reviews mention this · 15% of all complaints
★★★★★ "Takes an inordinate amount of time to withdraw from cash ISA and without reason. Their customer service communication is extremely vague and slow. App is confusing to navigate as well as chaotic. Lack of confidence / trust ensued. Therefore…" - Neil Hawker
9
"rate"
7 negative reviews mention this · 15% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
10
"poor"
6 negative reviews mention this · 13% of all complaints
★★★★★ "AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap pu…" - Trevor Johnson
11
"been"
6 negative reviews mention this · 13% of all complaints
★★★★★ "I had been using the app for 6 months to save and it was working very well and I was extremely happy and confident in it but then last week I deposited £1000 which has just disappeared, it hasn't appeared in my ISA on the app, the app is tr…" - Connor McCarthy
12
"difficult"
5 negative reviews mention this · 11% of all complaints
★★★★★ "difficult to find the information within the app. interest very low for long time customers. difficult to transfer Isa to alternative provider as there are no sort codes or account numbers. once a find an alternative I will transfer." - Keith Hill
📋 All 46 negative reviews
Every 1-2★ review we fetched. Use the copy button to grab them all for your own analysis (paste into ChatGPT/Claude with a prompt like "summarize core user problems, group by theme, ignore bugs, focus on missing features").
AI made me join again, ask q's again, took ages to get sorted after being asked to confirm my account, if the interest rates wernt so good id leave, but just read lots of really poor feedback on trying to get money back ? oh and one chap put money in n MB have lost it, OMG. i need to reconsider my investment.
app is just a screen filled with garbage
incredibly inflexible on deposits. fees are over what youd expect. many better providers
difficult to find the information within the app. interest very low for long time customers. difficult to transfer Isa to alternative provider as there are no sort codes or account numbers. once a find an alternative I will transfer.
didnt make any money
Can't disable builtin 'smart advisor' Aurora
terrible app and even worse "support"!
the password requirements need fixing.
I had been using the app for 6 months to save and it was working very well and I was extremely happy and confident in it but then last week I deposited £1000 which has just disappeared, it hasn't appeared in my ISA on the app, the app is trying to say they never received it but my bank is saying it has been sent and received. It has now been over a month and little communication has been received, no updates unless prompted, I have had to report this to the financial ombudsman.
well, I don't recommend them. false advertising. they say it's free to find lost pensions. you have set one up with them. FAKE... Don't get me wrong but I really need find several. This might work for someone willing to pay for a base investment and join old pensions. I don't have the time due to ill health, want retirement early, not really early, I'm 64,...
I can't even get past signing up. I've been looking around for isas for my holiday money. however, the sign up process has just been a nightmare. it was stuck on the cash isa sign yo window. and I coiling get out of it. I contacted support, which was helpful, but now it's telling me to sign in using a pin (that I don't even remember setting up). I can not log in. After two issues with signing up. I do NOT trust this bank with my money if there are many issues with logging in and with the UI.
I simple want to look at my account and consider whether I should transfer to a better rate elsewhere.
asked one question...ni answer so 100% useless
Just moved to Moneybox and the app is awful. Horrible to navigate, impassible to find anything, impossible to see actual interest earned by period, no easy view of transaction history. Run a statement and it shows no interest at all. App shows total interest in one place and doubles it up on another page. Rubbish.
kept telling me my UK phone number was not a valid UK phone number so I was unable to even get past signing in
I was enjoying the app, but I’m aware that the investments made in Moneybox are stored with large banks such as HSBC and Santander, which I personally have ethical concerns about, as I don’t agree with how they may use funds. Because my priority is ethics, I can’t give a fully positive rating.
Dreadful interface. This app should be used as a template how not to design an interface for future students of mobile apps. The UX is equally poor and the layout is confusing as hell and it's a guessing game as to where you can get the info you need. Today I logged in and had a message from Laura thanking me for choosing Moneybox but I can't get rid of the damn message and it's blocking nearly 50% of the interface as it's an overlay!!
Awful experience. Experience was fine up until I wanted to try and get my money out. over two years later and I'm still trying to figure out how to get my money out.
BEWARE - they have AI responding to customer service queries and it's handing out incorrect info. BEWARE - when selecting product account if select wrong one there's no way to cancel/swap to another on app. Have to contact them to cancel for you. And despite not opening the account you're now an 'existing customer' so rates aren't as favourable. What app doesn't let you cancel when in application phase when you haven't agreed or confirmed anything? Poor design. Have taken my savings elsewhere.
Absolutely rubbish app and web page. My partner deposited the full amount into a cash isa. Receives email confirmation but unable to look into the account only put money in, which is a joke as its at then limit now. Sent messages on chat and STILL waiting. 😡
could never put money into LISA. whenever I called they always waffled about it being HMRC's problem, however after calling HMRC and starting a LISA with Plum I know this isnt a case and now have a LISA with Plum instead. no more waiting 5 days for collections, can just put your money in there instantly. Do NOT get moneybox, they don't know what they're talking about
next working day withdrawals is painfully slow
doesn't, show ISA rates, poor and confusing
poor information on existing cash ISA interest rate. can't be found!
I find it very difficult to work with Moneybox. there is no option for instant transfer to your account. I have been waiting for a transfer to happen for more than a week. since it only does the transfer per week no matter when you request. Given the bank holidays I missed the April deadline for ISA! overall, it is very confusing.
Not user friendly at all. Way too much useless stuff on there. Too much crammed into a small space - 'find out more', prizes, etc. Just rubbish. You need to go digging to try to find your accounts. It needs a major revamp to make it easier to get rid your own account faster and easier. There seems to be even more rubbish on it as time goes on. It's actually getting worse. Please simplify it!!!
Opened an account two weeks ago and now see that interest rate for new customers is a lot higher. obviously not going to uplift to existing customers, so moving to a more competitive rate elsewhere. I urge all Moneybox Cash to shop around for a more competitive rate elsewhere.
Opened a Moneybox Cash ISA a couple weeks ago and was happy. I then see the rate has gone up by some way for new customers. I asked the question if there is anyway of getting that rate, which the reply is no. I started the process of moving my cash ISA to somewhere more competitive. I got a message from Moneybox to say that I could not transfer back to Moneybox again. I suppose this is to stop you moving away and coming straight back again. I'd of stayed with Moneybox if they matched the rate.
useless. cant open any isa without linking to your bank account via direct debit. i dont want to do that.
slow to show instant deposits, no pending instant deposits shown - nerve wracking
Daft update with a buggy 'Move Money' popup that will not go away
I find it very hard to navigate, I wanted my account details to bring money in, but couldn't find it, so have given up, so frustrating I'm even thinking of leaving Moneybox
Awful app. Very difficult to navigate to find what you are looking for. I had to turn off ALL notifications from my phone settings (no such option given on the app) as I kept receiving really daily messages to deposit/invest more money.
Moneybox has delayed the release of my LISA when I wanted to purchase my home delaying the overall process. I wish I could share the chat here but the team has ghosted and not responded. Even the response they share is asking me to wait for an admin error from their end. Its unacceptable.
chat doesn't respond. says they will be back in 3 hours. Useless when trying to get information for transfer of funds!
Difficult to withdraw your money when the time comes..
Takes an inordinate amount of time to withdraw from cash ISA and without reason. Their customer service communication is extremely vague and slow. App is confusing to navigate as well as chaotic. Lack of confidence / trust ensued. Therefore I cannot recommend it. There is better competition.
Overall a good app but the Interest rate on the LISA is constantly reducing. this is disappointing and I may switch soon because of it
fine it difficult to use and would be nice to call someone not use auto chat
Good interest rates and assistance to show saving progress. But I just released all my savings (£60,000) from here because the navigation on this app can be confusing and isn't easy to find certain things.. But main reason for negative review is that it takes "1 working day" to withdrawal your money. Thats ok, but it is actually more like 2 or 3 days and now currently I've waited since Thursday morning. Its now Tuesday lunch time and still no funds back yet. No,it is not my bank (Barclays). Poor
I've been trying to open an account for months, but it keeps telling me they have a problem on their side, so they temporarily cannot verify any documents...
Fairly easy to set up the app but horrible to use. I just want to check my balance and look at my account. I don't want pop-up trying to sell me other accounts, I don't want silly "game-i-fied" reveals. Feels like the designer had ADHD.
Platform fee and Monthly subscription fee? No thanks, guess I will not invest anything beyond cash ISA
I have been trying to transfer money from my existing MONEY BOX ISA acc to a Moneybox fixed rate account and this doesn't seem to be an option.
despite only putting money into an isa on the 1st day available, moneybox have me an old rate. then refused to honor the current rate so I had to transfer all the funds back out again to a different provider. what ever the interest rate advertised should be the rate you get. its a complete fiasco and can't recommend these cowboys at all. I don't care what excuse you come back with, it's been a terrible experience and when your dealing with people's trust you should behave better.
your app, confirmed by your support, does not enforce 2FA on login, so anyone with just the username and password could gain access to your funds
Sentiment summary
86%
Positive (4-5★)
0%
Neutral (3★)
14%
Negative (1-2★)