Updated September 28, 2026 · SumCue Editorial Team
frankly.ch vs Moneybox
frankly.ch
Higher score in this comparison
Moneybox
What sets them apart
| Compare | frankly.chReviewSee alternativesSee alternatives | MoneyboxReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.15% | 4%Higher |
| Minimum deposit | CHF 1 | £500 |
| Access terms | Fully digital, app or web, no minimum deposit and no minimum term | 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 | CHF 0 | £0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
| Regulators | Not confirmed | Financial Conduct Authority |
Same on both: Rate type (Variable), Account kind (ISA).
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Key differences
- frankly.ch scores higher overall: 8.8 vs 8.6.
- Headline rate is higher at Moneybox: 4% vs 0.15%.
- Support channels: only frankly.ch offers Email, Phone.
Our verdict on each
frankly.ch
frankly.ch suits Swiss savers who want a digital tax shelter account with no standing monthly charge. The catch is the interest: 0.15% sits far below the 3.29% from Wise and the 3.01% from bunq. That gap decides the choice for anyone comparing on yield alone.
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 | frankly.ch | Moneybox |
|---|---|---|
| Cost | 8.9HigherMonthly fee CHF 0 on a no monthly fee model, with a minimum deposit of CHF 1, so running costs sit near the floor. | 8.6Monthly fee of £0 on the cash ISA and a management fee of 0.15% on portfolios sit at the cheaper end. |
| Offer | 8.6Headline rate 0.15% on a variable rate, ranked 442 of 488 brands on rate. | 8.7HigherHeadline rate of 4% is variable, with a withdrawal allowance and a lower rate once you pass it. |
| Trust | Not confirmed | 8.6 |
Which one suits you
Pick frankly.ch if cost matter most.
Pick Moneybox if headline rate matter most.
Licences and countries
| Country | frankly.ch | Moneybox |
|---|---|---|
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 712935 |
Additional countries for frankly.ch: 1. Additional countries for Moneybox: 1.
How they place
| Ranking | frankly.ch | Moneybox |
|---|---|---|
| Savings | 624 of 1492 | 740 of 1492 |
| Savings accounts | 415 of 658 | 483 of 658 |
| Cash ISAs | 9 of 11 | 10 of 11 |
Every fact side by side
| Fact | frankly.ch | Moneybox |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Sparen 3 pension foundation of Zuercher Kantonalbank | Digital Moneybox Limited |
| Headquarters | Switzerland | United Kingdom |
| Founded | Not confirmed | 2015 |
| Support channels | Email, Phone, Help centreCovers more | Help centre |
Robo-advisors
| Fact | frankly.ch | Moneybox |
|---|---|---|
| Management fee | Not confirmed | 0.15% |
| Minimum investment | Not confirmed | £1 |
| Investor protection | Not confirmed | FSCS up to GBP 85,000 |
| Account types | Not confirmed | ISA, SIPP |
| Portfolio types | Not confirmed | ETF, ESG |
Mortgages
| Fact | frankly.ch | Moneybox |
|---|---|---|
| Purpose | Not confirmed | Purchase, Remortgage, First time buyer |
Where each stands against the rest
| Fact | frankly.ch | Moneybox | Median |
|---|---|---|---|
| Headline rate | 0.15%lowest quarter | 4%above the median | 3.3% |
Median across 710 listed providers.
Pros and cons
frankly.ch
Pros
- The monthly fee is CHF 0, so there is no standing charge on the account.
- The account is fully digital by app or web, with no minimum deposit and no minimum term.
- A variable rate means the return can move rather than being locked for a set period.
Cons
- The headline rate of 0.15% sits well below the 3.29% from Wise and the 3.01% from bunq.
- A variable rate leaves the return exposed to policy moves rather than locking it in.
- The balance sits inside a isa wrapper held by Sparen 3 pension foundation of Zuercher Kantonalbank, so the money is tied to retirement saving rather than sitting as plain cash savings.
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
frankly.ch
Who it suits
- Swiss residents setting aside money in a tax shelter through an app
- Savers who want a digital account with no standing monthly charge and no minimum term
- Savers who can accept a variable rate and a return well below the 3.29% that Wise pays
Who should look elsewhere
- Anyone chasing the highest interest, since Wise pays 3.29% against 0.15% here
- Savers who need a fixed deal, as the rate here is variable while Finteres runs a band reaching 0% to 36%
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
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 | frankly.ch | Moneybox |
|---|---|---|
| Switzerland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
frankly.ch
What rate does frankly.ch pay and is it fixed?+
The headline rate is 0.15% and the rate type is variable, so the return is one the provider can move rather than a figure locked for a set period. A saver who budgets around a future yield takes on that uncertainty. Readers who want a predictable return should treat a fixed product as the more comfortable choice.
Is there a monthly fee on the account?+
The monthly fee is CHF 0 and the account runs on a no monthly fee model, so there is no standing charge to weigh. That makes the cost side the strongest part of the offer, and the gap shows in the scores: 4.7 for cost against 0.6 for offer. A reader can treat the quoted rate as the full return on the balance.
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
frankly.ch
Moneybox