Updated September 29, 2026 · SumCue Editorial Team
Finanzguru AT vs Moneybox
Finanzguru AT
Higher score in this comparison
Moneybox
Finanzguru AT vs Moneybox: the differences
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | MoneyboxReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 4% |
| Rate type | Fixed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | 3 withdrawals a year without impacting your rate; a lower rate of 0.75% AER (variable) applies if balance is below GBP 500 or you make 4 or more withdrawals in 12 months |
| Monthly fee | €0 | £0 |
| Regulators | Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin) | Financial Conduct Authority |
| Minimum deposit | Not confirmed | £500 |
Same on both: Account kind (ISA).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finanzguru AT scores higher overall: 9.0 vs 8.6.
- Regulators: only Finanzguru AT offers Bundesanstalt fuer Finanzdienstleistungsaufsicht (BaFin).
- Regulators: only Moneybox offers Financial Conduct Authority.
- Headline rate is higher at Finanzguru AT: 7% vs 4%.
- Support channels: only Finanzguru AT offers Email.
Our verdict on each
Finanzguru AT
Finanzguru AT suits German savers who want a fixed-rate boost, withdrawable credit, and no monthly account charge. Its headline rate is 7%, while savings deposits have EU deposit protection of EU DGS up to EUR 100,000 and investment balances have EU investor protection of EU ICS up to EUR 20,000.
Moneybox
Moneybox suits UK savers who want a cash ISA alongside a low-fee investing account, especially anyone building a deposit for a home purchase. Its headline rate of 4% is variable, so the pace of return can shift, and the withdrawal rule can push balances to a much lower rate.
Score breakdown
| Area | Finanzguru AT | Moneybox |
|---|---|---|
| Cost | 9.1HigherThe account carries a monthly fee of €0, while registration is free. | 8.6Monthly fee of £0 on the cash ISA and a management fee of 0.15% on portfolios sit at the cheaper end. |
| Offer | 9.1HigherThe headline rate is 7% with a fixed rate of fixed. | 8.7Headline rate of 4% is variable, with a withdrawal allowance and a lower rate once you pass it. |
| Trust | 8.8Higher | 8.6 |
Positions in our rankings
| Ranking | Finanzguru AT | Moneybox |
|---|---|---|
| Savings | 439 of 1492 | 740 of 1492 |
| Investing | 198 of 654 | 318 of 654 |
| Robo-advisors | 52 of 154 | 100 of 154 |
| Cash ISAs | 7 of 11 | 10 of 11 |
A third option
Plazo ES has headline rate at 24.19%, against 7% for Finanzguru AT and 4% for Moneybox.
Plazo ES reviewWhat we checked
Finanzguru AT
- finanzguru.de: 9 facts, checked September 26, 2026
- portal.mvp.bafin.de: 2 facts, checked September 26, 2026
Moneybox
- moneyboxapp.com: 12 facts, checked September 26, 2026
- find-and-update.company-information.service.gov.uk: 1 fact, checked September 26, 2026
Every fact side by side
| Fact | Finanzguru AT | Moneybox |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | dwins GmbH | Digital Moneybox Limited |
| Headquarters | Germany | United Kingdom |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Help centreCovers more | Help centre |
Robo-advisors
| Fact | Finanzguru AT | Moneybox |
|---|---|---|
| Management fee | Not confirmed | 0.15% |
| Minimum investment | Not confirmed | £1 |
| Investor protection | EU ICS up to EUR 20,000 | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, SIPP |
| Portfolio types | ETF | ETF, ESGCovers more |
Mortgages
| Fact | Finanzguru AT | Moneybox |
|---|---|---|
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer |
Where each stands against the rest
| Fact | Finanzguru AT | Moneybox | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 4%above the median | 3.3% |
| Minimum deposit | Not confirmed | £500highest quarter | £1 |
Median across 710 listed providers.
Pros and cons
Finanzguru AT
Pros
- The fixed headline rate of 7% exceeds bunq at 3.01% and Wise at 3.29%.
- The monthly fee is €0, so the account model has no monthly charge.
- Savings deposits have EU deposit protection of EU DGS up to EUR 100,000.
Cons
- The rate is fixed at fixed, so it may not suit savers who want a variable rate.
- Support runs through email and help centre only, with no phone support listed.
- The deposit protection limit is EU DGS up to EUR 100,000, so larger balances may receive less cover.
Moneybox
Pros
- A 4% variable rate, above the savings median of 3%.
- Monthly fee of £0, so no standing charge.
- Deposits covered by FSCS up to GBP 85,000.
Cons
- The rate is variable, so nothing is locked in if rates fall.
- Exceeding the withdrawal allowance or dropping under the balance floor cuts the rate sharply.
- Support runs on a help centre only, with no phone line listed.
Who each suits
Finanzguru AT
Who it suits
- German savers who prioritise the fixed headline rate of 7%.
- Users who value free registration and a monthly fee of €0.
- People who want savings and investment protection under the stated limits of EU DGS up to EUR 100,000 and EU ICS up to EUR 20,000.
Who should look elsewhere
- Savers seeking a variable rate, because the listed rate is fixed at fixed.
- People wanting phone support, because support runs through email and help centre.
- Large investment balances seeking the same protection limit as savings, because investment protection is EU ICS up to EUR 20,000 while deposit protection is EU DGS up to EUR 100,000.
Moneybox
Who it suits
- UK savers who want tax-free cash and a SIPP in the same place
- Beginners investing a small monthly amount
- People saving towards a purchase, a remortgage or a first home
Who should look elsewhere
- Anyone wanting a guaranteed rate, since variable means the rate can move
- Savers who expect frequent withdrawals, given the access terms
- People who want phone support, as help is a help centre
Current offers
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Moneybox
Current offer
Bonus
Introductory bonus rate on the Moneybox Cash ISA: +0.55% AER for the first 12 months, giving 4.00% AER (variable) total
New customers only; new customer rate as of 22/09/2026; requires balance of GBP 500 or more and fewer than four withdrawals in each 12 month period; underlying rate 3.45% AER (variable) applies after the 12 months
Source, checked September 26, 2026
Country by country
| Country | Finanzguru AT | Moneybox |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Finanzguru AT
What rate does Finanzguru AT offer?+
Finanzguru AT advertises a headline rate of 7%. The rate type is fixed, as shown by fixed. This is higher than bunq at 3.01% and Wise at 3.29%.
Does the account charge a monthly fee?+
The monthly fee is €0. Registration is also free without authentication. These features reduce the account's recurring cost burden, although product costs may still need separate consideration.
Moneybox
What rate does the Moneybox cash ISA pay?+
The cash ISA pays a headline rate of 4%, and it is a variable rate, so it can move with market conditions rather than being fixed for a term. The account also runs on a no-monthly-fee model, so the rate is not reduced by a standing charge. Keep the balance above the stated floor and stay within the withdrawal allowance, and that rate continues to apply.
Is my money protected if Moneybox fails?+
Deposits are covered by FSCS up to GBP 85,000, the UK deposit protection scheme, up to the stated limit. Moneybox is authorised by the Financial Conduct Authority under reference 712935, so it operates as a regulated provider rather than an informal savings platform. Investments held in the same app sit under FSCS up to GBP 85,000.
Other options to compare
Finanzguru AT
Moneybox