Moneybox - Save and Invest vs Tembo - Savings and mortgages Usage & Stats

At Moneybox, we want to give everyone the means to get more out of life. • Open a competitive Cash ISA • Save for your first home with our market-leading Lifetime ISA • Start investing in our range of funds, ETFs, and stocks • Find and combine old pensions and build your retirement fund All with an award-winning app used by over 1 million people across the UK. Capital at risk. Investing should be long term. The value of your investments can go up and down, and you may get back less than you invest. 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 into your Lifetime ISA. Tax treatment depends on individual circumstances and may be subject to change in the future. Choose from our range of award-winning accounts: • Cash ISAs • Lifetime ISA • Stocks and Shares ISA • General Investment Account • Junior ISA • Personal Pension • Savings accounts Buy your first home with our market-leading Lifetime ISA: • Save up to £4,000 a year and get a 25% government bonus of up to £1,000 free every year • Get free Mortgage Advice • Browse 90+ lenders and find a mortgage that’s right for you *Government early withdrawal charge may apply to the Lifetime ISA. ISA and tax rules apply. Moneybox Mortgage Advice is provided by Moneybox Mortgages Ltd. Your home may be repossessed if you do not keep up your mortgage repayments. Choose one of our two Cash ISAs and make the most of your £20,000 annual ISA tax-free allowance: • Get our top-paying rate while making up to three withdrawals every 12 months with our Cash ISA • Earn a competitive rate and enjoy unlimited withdrawals with our Open Access Cash ISA. ISA and tax rules apply. Plan for your future with helpful tools: • Learn how a Lifetime ISA could boost your savings with our Deposit Calculator • See how your contributions can add up over time with our ISA Time Machine. Set up automations and build healthy habits: • Automate your regular deposits and boosts on payday • Round up your spending to the nearest pound • Save or your invest spare change Build your long-term wealth with a Moneybox Stocks & Shares ISA • Start investing from as little as just £1 • Choose from our three expertly-curated starting options: Cautious, Balanced or Adventurous • Own shares in top US stocks Capital at risk. ISA and tax rules apply. Build a retirement fund worth waiting for: • Track down and combine your old workplace pensions with our free provider search tool • Get 25% tax relief from the government on contributions to your Personal Pension You can only access your pension once you reach the minimum pension age. Check T&Cs for transfer eligibility. Consider the product charges and benefits, and whether the profile of the investments offered matches your needs. Tax treatment depends on individual circumstances and may be subject to change in the future. Capital at risk. Moneybox is a registered trade mark of Digital Moneybox Limited. Digital Moneybox Limited is authorised and regulated by the Financial Conduct Authority, no. 712935 (and no. 792703 for payment services activities), registered in England and Wales, no. 09597755. Trusted and transparent: • Your savings and investments are protected by the Financial Services Compensation Scheme. For more information, please see the FSCS Protection page on the Moneybox website. • For our investment products, we charge £1 a month (subscription fee) and 0.45% of the value of your investments per year. There are fund provider costs on top of this - see in-app for detail. To help you get started, we do not charge the subscription fee for the first three months • There are no account fees for our Cash Lifetime ISA or Savings Accounts • We use bank-level 256-bit encryption for all your personal information • Registered address: Moneybox 1-2 Hatfields, London SE1 9PG Get started - Download Moneybox today.