DIGITAL MONEYBOX LIMITED
| Dimension | Evidenced | Coverage | Strength | Official |
|---|---|---|---|---|
| Regulatory Standing | 9/10 | 90.0% | 98.3% | 100.0% |
| Client Asset Protection | 9/11 | 81.8% | 90.0% | 100.0% |
| Cost Transparency | 8/11 | 72.7% | 85.0% | 100.0% |
| Security and Operational Controls | 3/7 | 42.9% | 60.0% | 33.3% |
| Corporate Transparency | 8/10 | 80.0% | 96.3% | 100.0% |
| Conduct and Track Record | 1/7 | 14.3% | 100.0% | 100.0% |
| All dimensions | 38/56 | 67.9% | — | 94.7% |
Regulatory Standing
Is the entity authorised, and by which regulator?
The Financial Services Register records Digital Moneybox Limited under firm reference number 712935, regulated by the Financial Conduct Authority with effect from 18/05/2016.
Statutory register · Financial Conduct Authority · FCA Register — Regulators · as at 25 September 2026 · Check the source
What is the entity's current authorisation status?
The register records the firm's status as "Authorised", effective from 18/05/2016. Business type: Regulated.
Statutory register · Financial Conduct Authority · FCA Register — Status · as at 25 September 2026 · Check the source
Which regulated permissions does the entity hold?
Of those permissions, 4 record a retail customer type: Safeguarding and administration of assets (without arranging); Arranging safeguarding and administration of assets; Arranging (bringing about) deals in investments; Making arrangements with a view to transactions in investments.
Statutory register · Financial Conduct Authority · FCA Register — Permissions, customer types · as at 25 September 2026 · Check the source
The register records 7 regulated activity permission(s): Agreeing to carry on a regulated activity; Safeguarding and administration of assets (without arranging); Establishing/operating/winding up a personal pension scheme; Arranging safeguarding and administration of assets; Arranging (bringing about) deals in investments; Providing Credit Information Services; Making arrangements with a view to transactions in investments.
Statutory register · Financial Conduct Authority · FCA Register — Permissions · as at 25 September 2026 · Check the source
Is the entity an Appointed Representative, and of whom?
No qualifying source was located within the evidence window. This criterion requires: register principal-firm relationship record
What trading names are registered to this entity?
The register records 2 current trading name(s): "Moneybox" (Trading, from 04/07/2018); "Digital Moneybox Limited" (Registered, from 18/05/2016).
Statutory register · Financial Conduct Authority · FCA Register — Names · as at 25 September 2026 · Check the source
Do the registered office and the regulator's recorded place of business agree?
The FCA Register records the firm's Principal Place of Business as Suite 1.07, 1-2 Hatfields, London, SE1 9PG, UNITED KINGDOM. The Companies House registered office is recorded as Suite 1.07 1-2 Hatfields, London, SE1 9PG, England. The two records agree on premises and postcode.
Statutory register · Financial Conduct Authority · FCA Register — Address, compared with Companies House · as at 25 September 2026 · Check the source
The register records the registered office address as Suite 1.07 1-2 Hatfields, London, SE1 9PG, England.
Statutory register · Companies House · registered_office_address · as at 19 September 2026 · Check the source
Are there requirements, restrictions or waivers on the permissions?
the Firm must not, without the prior written consent of the FCA, onboard any new customers to its business savings account
The register records that the firm must not onboard new business savings customers without the FCA's prior written consent.
Statutory register · Financial Conduct Authority · Requirements, OR-0284231 · as at 1 September 2026 · Check the source · transcribed by hand
The Requirement in this application is to take effect immediately on its acceptance by the FCA and notification of such to the Firm by email.
The register records a requirement on the firm's permissions in the quoted terms.
Statutory register · Financial Conduct Authority · FCA Register — Requirements, OR-0284231 (effective 01/09/2026), clause 2 of 3 · as at 25 September 2026 · Check the source
The Requirements will stay in effect unless and until varied or cancelled by the FCA (either on the application of the Firm or of the Authority’s own volition), and the Firm has demonstrated to the FCA’s satisfaction that it has addressed the concerns the FCA has communicated to it.
The register states that the requirement stays in effect until varied or cancelled by the FCA and the firm has demonstrated to the FCA's satisfaction that it has addressed the concerns the FCA has communicated to it.
Statutory register · Financial Conduct Authority · Requirements, OR-0284231 · as at 1 September 2026 · Check the source · transcribed by hand
What cross-border or passporting permissions does the register record?
Message: Passport not found total_count: (none) Data: (none)
The register was queried directly for this firm's passporting arrangements and returned no records.
Statutory register · Financial Conduct Authority · manually transcribed from source document · as at 19 September 2026 · Check the source · transcribed by hand
Does the customer-facing brand map to the authorised entity?
The register records "Moneybox"; "Digital Moneybox Limited" as registered trading name(s) of firm reference number 712935, and links that firm reference number to Companies House company number 09597755.
Statutory register · Financial Conduct Authority · FCA Register — Names and Companies House Number · as at 25 September 2026 · Check the source
Is regulatory status disclosed clearly to customers at point of sale?
It is authorised and regulated by the Financial Conduct Authority with firm reference number 712935 (and number 792703 for payment services activities).
The client terms disclose Digital Moneybox Limited's FCA authorisation and firm reference numbers directly to customers.
Binding document · Digital Moneybox Limited · Section 1.2, Who we are · as at 19 September 2026 · Check the source · transcribed by hand
Client Asset Protection
Does the entity hold client money or assets?
The register records the firm's client money permission as "Hold and control client money".
Statutory register · Financial Conduct Authority · FCA Register — Client Money Permission · as at 25 September 2026 · Check the source
Who holds client money, and under which regime is it held?
We hold the money and investments in CASS products in accordance with the Financial Conduct Authority's Client Assets Sourcebook safeguarding rules. This means we manage this money and these investments, but we hold the money in segregated Client Money Bank Accounts and the investments in custody accounts.
For CASS products (ISAs and the General Investment Account), the client agreement states client money is held in segregated Client Money Bank Accounts and investments in custody accounts, under the FCA's Client Assets Sourcebook safeguarding rules.
Binding document · Digital Moneybox Limited · Section 2.2.2, CASS products · as at 19 September 2026 · Check the source · transcribed by hand
For these Savings Treasury Products, we open Trust Bank Accounts with third party banks in our name and by accepting these terms and conditions you appoint us to act as your bare trustee. We are the legal owner of the Trust Bank Accounts, and act as bare trustee on your behalf as the beneficial owner alongside our other customers invested in the same Savings Treasury Product. It is important to note that we are not a bank and your money is held in Trust Bank Accounts so we aren't ultimately responsible for keeping it safe. Selecting third party banks to hold your deposits in a Savings Treasury Product on trust is not a regulated investment service so the Savings Treasury Product is not regulated by the FCA.
For Savings Treasury Products, the client agreement states money is held on a bare trust basis across a panel of third party banks, and that this arrangement is not a regulated investment service — so the Savings Treasury Product itself is not regulated by the FCA.
Binding document · Digital Moneybox Limited · Section 2.2.2, Trust products — Savings Treasury Products · as at 19 September 2026 · Check the source · transcribed by hand
Selecting a third party bank to hold your deposits in a Savings Product on trust is not a regulated investment service so the Savings Products are not regulated by the FCA. Deposit-taking is a regulated activity. The third party banks that we use are authorised and regulated by the Prudential Regulation Authority ("PRA") and regulated by the FCA as deposit-takers.
For Savings Products, the client agreement states money is held on a bare trust basis with the specific third party bank providing that product, and that arrangement is not a regulated investment service — so the Savings Products themselves are not regulated by the FCA.
Binding document · Digital Moneybox Limited · Section 2.2.2, Trust products — Savings Products · as at 19 September 2026 · Check the source · transcribed by hand
Which institutions hold segregated client money?
Clydesdale Bank plc, HSBC Bank plc, Santander UK plc, Barclays Bank plc, First Abu Dhabi Bank P.J.S.C., Qatar National Bank (Q.P.S.C.), National Westminster Bank plc, Bank of Scotland plc, Lloyds Bank plc, The Bank of New York Mellon, London Branch, National Bank of Kuwait (International) plc, Bank of Montreal, Starling Bank Limited
The firm's Personal FSCS Protection document lists the following banks in its section on CASS (investment) products.
Binding document · Digital Moneybox Limited · CASS products section · as at 19 September 2026 · Check the source · transcribed by hand
Which entity acts as custodian for client securities?
investments are held in custody by us (through Moneybox Share Nominee Ltd) or through our appointed third party custodians, either our UK Broker (for Other Providers' Funds), our ACD (for Moneybox Funds) or our US Broker Dealer (for US stocks) – further details are set out in our Order Transmission Policy.
For CASS investment products, the client agreement states investments are held in custody by Moneybox (through Moneybox Share Nominee Ltd) or through appointed third-party custodians: a UK broker for Other Providers' Funds, its ACD for Moneybox Funds, and a US broker-dealer for US stocks.
Binding document · Digital Moneybox Limited · Section 2.2.2, CASS products · as at 19 September 2026 · Check the source · transcribed by hand
Which entity acts as custodian of client assets, and is it a separate legal entity from the operator?
Moneybox Share Nominee Ltd keeps hold of the legal title to those investments and you retain beneficial ownership
The client terms state that Moneybox Share Nominee Ltd holds legal title to the customer's investments while the customer retains beneficial ownership.
Binding document · Digital Moneybox Limited · Section 5.8 · as at 19 September 2026 · Check the source · transcribed by hand
Which compensation scheme applies to the entity, or does none apply?
Moneybox deposits your money with third party banks. These banks are covered by the FSCS
The firm's Personal FSCS Protection document states that customer money deposited with its panel banks for cash savings products is covered by the FSCS.
Binding document · Digital Moneybox Limited · How your cash savings are protected · as at 19 September 2026 · Check the source · transcribed by hand
What is the per-customer compensation limit?
On 1 December 2025 the FSCS deposit protection rose to £120,000. This means that if you hold deposits or savings with a UK-authorised bank, building society or credit union and it goes out of business, FSCS can compensate you up to the new limit of £120,000 per eligible person, per authorised firm.
FSCS's own published deposit protection limit is £120,000 per eligible person per authorised firm, effective 1 December 2025.
Statutory register · Financial Services Compensation Scheme (FSCS) · Deposit protection limit · as at 19 September 2026 · Check the source · transcribed by hand
Do compensation limits differ by product held?
If the firm failed after 1 Apr 2019 - up to £85,000 per eligible person, per firm.
FSCS applies a separate compensation limit to investment business than to bank deposits: for firms that fail after 1 April 2019, investment compensation is up to £85,000 per eligible person per firm.
Statutory register · Financial Services Compensation Scheme (FSCS) · Compensation limits · as at 19 September 2026 · Check the source · transcribed by hand
Is there evidence of independent assurance over client asset arrangements?
No qualifying source was located within the evidence window. This criterion requires: auditor's client assets report or equivalent published assurance
What does the entity disclose about client assets if it fails?
Moneybox, and the partner firms we work with in relation to your investments, segregate client assets from their own assets
The firm's Personal FSCS Protection document states that Moneybox and its investment partner firms segregate client assets from their own assets.
Binding document · Digital Moneybox Limited · How your investments are protected · as at 19 September 2026 · Check the source · transcribed by hand
Are client assets subject to lending, rehypothecation or re-use?
No qualifying source was located within the evidence window. This criterion requires: client agreement clause on stock lending or re-use
Cost Transparency
Is a complete fee schedule publicly available?
This document provides a breakdown of the fees and charges that apply across all of our products and services.
The firm publishes a single document, 'Moneybox Fees & Charges', covering fees for Savings Products, Investing Products and the Moneybox Pension.
Binding document · Digital Moneybox Limited · Introduction · as at 19 September 2026 · Check the source · transcribed by hand
What commission or dealing charges apply?
We do not, for example, charge a fixed fee or commission on each individual buy or sell order.
The fee schedule states that Moneybox does not charge a fixed fee or commission on individual buy or sell orders for investing products.
Binding document · Digital Moneybox Limited · Section 3, Investing Products · as at 19 September 2026 · Check the source · transcribed by hand
What is the FX or currency conversion charge?
Service costs: Currency conversion fee 0.45% This fee only applies in relation to the buying and selling of US Stocks. For a buy transaction, 0.45% of the £ Sterling value of the order.
The fee schedule states a currency conversion fee of 0.45% of the sterling value, applied on buy and sell transactions in US stocks.
Binding document · Digital Moneybox Limited · Section 3, Currency conversion fee · as at 19 September 2026 · Check the source · transcribed by hand
What reference rate does the entity state it uses for currency conversion?
Where investments or the proceeds or corporate actions are denominated in currencies other than Sterling, we will perform a currency conversion at the relevant prevailing exchange rate to facilitate the settlement of that transaction.
The client terms state currency conversion on non-Sterling investment proceeds is performed at the relevant prevailing exchange rate, without naming a specific benchmark or provider.
Binding document · Digital Moneybox Limited · Section 5.5 · as at 19 September 2026 · Check the source · transcribed by hand
What spread or implicit cost applies, and is it disclosed?
No qualifying source was located within the evidence window. This criterion requires: published spread data or explicit disclosure of spread as a cost
Are there account, platform or custody fees?
0.15% per year for Moneybox Funds; or 0.45% per year for Other Providers' Funds and US stocks
The fee schedule states an annual service fee of 0.15% for Moneybox Funds or 0.45% for Other Providers' Funds and US stocks, on investing products.
Binding document · Digital Moneybox Limited · Section 3, Service costs — service fee · as at 19 September 2026 · Check the source · transcribed by hand
£1 per month (if you have at least £5 in any investing product); or £0 per month if you have £5,000 or more: (a) across any of your investing products; or (b) across your Cash ISA, Open Access Cash ISA and/or Simple Saver.
The fee schedule states a monthly subscription fee of £1 for investing products, waived below a £5 balance or above a £5,000 balance across products.
Binding document · Digital Moneybox Limited · Section 3, Service costs — subscription fee · as at 19 September 2026 · Check the source · transcribed by hand
Are there inactivity or dormancy charges?
No qualifying source was located within the evidence window. This criterion requires: fee schedule or client agreement
What withdrawal, transfer-out or closure charges apply?
If you withdraw money or investments from your Lifetime ISA for any other reason or do not adhere to all of the requirements in the ISA Regulations, you'll pay a government withdrawal charge (as set by the ISA Regulations and is currently 25%).
For the Lifetime ISA product, the client terms state a government withdrawal charge of 25% applies to withdrawals made outside the permitted circumstances.
Binding document · Digital Moneybox Limited · Section 6.1.6, Lifetime ISA · as at 19 September 2026 · Check the source · transcribed by hand
Do headline marketing claims match the binding fee schedule?
No qualifying source was located within the evidence window. This criterion requires: direct comparison of marketing page against client agreement
Are interest arrangements on cash balances disclosed, including any retained share?
Moneybox will receive the difference (if any) between the interest received from the underlying diversified third party banks and the interest paid on your product.
The client terms state that Moneybox retains the margin between the interest it receives from underlying banks and the interest it pays customers on their product.
Binding document · Digital Moneybox Limited · Section 2.2.2 · as at 19 September 2026 · Check the source · transcribed by hand
How much notice is given before charges or terms change?
Our fees may change from time to time. If a change is detrimental to you, we'll provide you with at least 30 calendar days' notice.
The client agreement states Moneybox will give at least 30 calendar days' notice of any fee change that is detrimental to the customer.
Binding document · Digital Moneybox Limited · Section 2.4, Fees and charges · as at 19 September 2026 · Check the source · transcribed by hand
Security and Operational Controls
Is multi-factor authentication offered, and is it mandatory or optional?
Two-factor authentication When you register for an account with us, we mark your mobile device (app users) or web browser (website users) as “trusted”. This means that if you log into your account on a new device or browser, you’ll be prompted to verify this new login via email, and you won’t be able to access your account until you do.
Moneybox states it uses two-factor authentication, marking devices or browsers as trusted and requiring verification via email when logging in from a new device or browser.
Published by the firm · Digital Moneybox Limited · Two-factor authentication · as at 19 September 2026 · Check the source
Are recognised security certifications held?
No qualifying source was located within the evidence window. This criterion requires: certificate or certifying body's register — never the entity's claim alone
Is there a published vulnerability disclosure or bug bounty route?
Contact: mailto:infosec@moneyboxapp.com
The document provides a security contact email for reporting issues, listed as infosec@moneyboxapp.com.
Published by the firm · Digital Moneybox Limited · as at 19 September 2026 · Check the source
Have security or data incidents been publicly disclosed, and how were they handled?
No qualifying source was located within the evidence window. This criterion requires: regulator notice, ico action, or contemporaneous independent reporting
Are operational resilience or continuity arrangements disclosed?
No qualifying source was located within the evidence window. This criterion requires: filed accounts, regulatory disclosure, or published policy
Have material service outages been reported, and were they disclosed by the entity?
No qualifying source was located within the evidence window. This criterion requires: independent reporting or the entity's own status history
Is a data protection registration in place, and with whom?
Data controller Digital Moneybox Limited
The ICO register lists Digital Moneybox Limited as the data controller.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Registration expires 26 July 2027
The ICO register shows Digital Moneybox Limited's registration expires on 26 July 2027.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Date registered 27 July 2015
The ICO register shows Digital Moneybox Limited's registration was made on 27 July 2015.
Statutory register · Information Commissioner's Office · as at 27 July 2015 · Check the source
Registration reference ZA130953
Digital Moneybox Limited is registered with the ICO under registration reference ZA130953.
Statutory register · Information Commissioner's Office · as at 19 September 2026 · Check the source
Corporate Transparency
What is the entity's registered company number and legal form?
The register records company number 09597755, registered as "DIGITAL MONEYBOX LIMITED", legal form "ltd", status "active".
Statutory register · Companies House · company profile · as at 19 September 2026 · Check the source
Who are the persons with significant control?
0 active persons with significant control / 1 active statement Statement Active The company knows or has reasonable cause to believe that there is no registrable person or registrable relevant legal entity in relation to the company
Companies House records show Digital Moneybox Limited (09597755) has zero active persons with significant control, with an active statement that the company knows or has reasonable cause to believe there is no registrable person or registrable relevant legal entity.
Statutory register · Companies House · Persons with significant control section · as at 19 September 2026 · Check the source · transcribed by hand
What is the group structure above this entity?
No qualifying source was located within the evidence window. This criterion requires: filed group accounts or registry ownership records
Which jurisdiction is the ultimate parent registered in?
No qualifying source was located within the evidence window. This criterion requires: registry record of the parent
Are accounts filed on time and to the required standard?
The register records: next accounts due 2027-09-30; last accounts made up to 2025-12-31; the register flags accounts as not overdue.
Statutory register · Companies House · accounts · as at 19 September 2026 · Check the source
Are the accounts audited, and by whom?
Jasmit Lochab (Senior Statutory Auditor) for and on behalf of PricewaterhouseCoopers LLP Chartered Accountants and Statutory Auditors
The filed group accounts contain an independent auditors' report confirming the financial statements were audited, signed by Jasmit Lochab, Senior Statutory Auditor, for and on behalf of PricewaterhouseCoopers LLP.
Binding document · Companies House · Independent auditors' report, signature block · as at 19 September 2026 · Check the source · transcribed by hand
Is there a going-concern qualification or emphasis of matter?
Based on the work we have performed, we have not identified any material uncertainties relating to events or conditions that, individually or collectively, may cast significant doubt on the group's and the company's ability to continue as a going concern for a period of at least twelve months from when the financial statements are authorised for issue.
The independent auditors' report states that no material uncertainty was identified regarding the group's or company's ability to continue as a going concern.
Binding document · Companies House · Independent auditors' report, Conclusions relating to going concern · as at 19 September 2026 · Check the source · transcribed by hand
When was the entity incorporated?
The register records incorporation on 2015-05-19.
Statutory register · Companies House · date_of_creation · as at 19 May 2015 · Check the source
Have there been recent changes of control, name or registered office?
The filing history records 8 change filing(s) in the most recent 35 entries. Most recent: 2026-09-01: appoint-person-director-company-with-name-date; 2026-08-25: capital-name-of-class-of-shares (2 filings); 2026-07-06: appoint-person-director-company-with-name-date; 2026-05-11: termination-director-company-with-name-termination-date; 2026-02-07: appoint-person-director-company-with-name-date.
Statutory register · Companies House · filing history · as at 19 September 2026 · Check the source
Are directors disqualified, or associated with disqualification?
A name search of the register of disqualified directors was run against the 9 active officer(s) recorded for this company on 2026-09-19. 3 name(s) returned one or more register entries. A name match does not establish that these are the same individuals: identity requires confirmation against date of birth and appointment history, which we have not performed. No individual is named here for that reason.
Statutory register · Companies House · disqualified officers search · as at 19 September 2026 · Check the source
Conduct and Track Record
Are there published regulatory enforcement actions against this entity?
A query of the Financial Services Register disciplinary history for firm reference number 712935 on 2026-09-25 returned no published entries. The register reported: "Disciplinary history information not found".
Statutory register · Financial Conduct Authority · FCA Register — Disciplinary History · as at 25 September 2026 · Check the source
Are there published enforcement actions against the parent or sister entities?
No qualifying source was located within the evidence window. This criterion requires: regulator's own publication, entity-matched
Are there published warnings or unauthorised-firm alerts naming this entity or a clone?
No qualifying source was located within the evidence window. This criterion requires: regulator warning list
What complaints data does the entity publish, as required?
No qualifying source was located within the evidence window. This criterion requires: the entity's mandatory complaints return
What complaint volumes does the ombudsman publish about the entity?
No qualifying source was located within the evidence window. This criterion requires: the financial ombudsman service's published half-yearly business complaints data, and where it publishes one, the proportion upheld. the service publishes firm-level figures only above a complaint threshold: a firm absent from a release falls below that threshold, which is not evidence that no complaints were made and is not recorded as a finding. raw volumes are not comparable between firms of different sizes without customer numbers, which the service does not publish.
Is there material litigation of public record?
No qualifying source was located within the evidence window. This criterion requires: court judgment or filed proceedings
Have directors been subject to published regulatory action individually?
No qualifying source was located within the evidence window. This criterion requires: regulator's individual register
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What these figures measure. They describe the evidence we found, not the firm’s conduct. Where a criterion reads “not found”, we could not confirm it from public sources — that carries no negative inference.
Where the record shows no published enforcement action, that means our search of the register found none on the date stated. It is not a finding that no misconduct occurred.
If you are DIGITAL MONEYBOX LIMITED and believe something here is wrong, write to corrections@veracentintelligence.co.uk. We will provide the evidence behind any finding, correct what we get wrong, and publish a statement of up to 300 words alongside anything we still disagree about.