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Moneybox - Save and Invest Vs. Plum: Smart Saving & Investing

Moneybox - Save and Invest vs Plum: Smart Saving & Investing 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.

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Plum: Smart Saving & Investing

Description only relevant for UK customers Plum’s on a mission to help you grow your money for life, with automated deposits, accessible investing & smart saving. SET ASIDE MONEY AUTOMATICALLY • Plum’s automation puts saving on repeat with weekly deposits, payday Auto Savers and more. • From AI-powered tools to round-ups and challenges, it all runs in the background. • You stay in control with smart tools that work with you SAVE MONEY TAX-FREE WITH THE PLUM CASH ISA • Unlock tax-free savings with easy access to your money • Start with as little as £1 • Transfer in an existing ISA for a lower rate • Eligible deposits are FSCS protected See interest rate details on the Plum website or app. T&Cs and ISA rules apply. Tax treatment depends on personal circumstances and could change. BUILD YOUR HOUSE DEPOSIT WITH A LIFETIME ISA • Add up to £4,000 to your Lifetime ISA each year, and the government will give you another £1,000 on top, for free • Get an added boost with Plum's competitive interest and tax-free savings Govt. withdrawal fee may apply. Tax treatment depends on your situation. GROW YOUR SAVINGS • Earn up to 3.95% AER (variable) with our classic easy-access Interest Pocket • Or get an even better rate with a 95-day Notice Account at 4.58% AER (variable) • Both accounts are FSCS-protected for peace of mind, and provided by Investec Bank Plc. Rates correct as at 05/07/25 and subject to change. EARN UP TO 3.96%* WITH PLUM INTEREST • Get returns that follow the Bank of England base rate with this low-risk MMF • Enjoy easy access with 1-business day withdrawals • Add as much or as little as you want Capital at risk. *Variable rate correct as at 05/07/25. Forecasts are not a reliable indicator of future performance. Returns aren't guaranteed. UNLIMITED COMMISSION-FREE† STOCK INVESTING • Create your profile in minutes to start buying and selling US company stocks • Invest in up to 3,000 companies like Amazon or Tesla • Set up recurring buy orders and price alerts to put your investing strategy into action † A 0.45% currency conversion ‘FX’ markup and nominal regulatory fees still apply. The total fees charged to buy and then sell (2 trades) 1 share worth $100 would be around $0.90. DIVERSIFY YOUR INVESTMENTS WITH FUNDS • Choose from up to 26 different funds themed around risk level or sector • Personalise your portfolio with funds like ‘Slow & Steady’, ‘Tech Giants’ or options with an ethical focus • Funds are professionally managed and each contains lots of different company shares ‡ Here are the fees when you invest in funds with Plum: • £2.99 minimum monthly subscription • 0.90% annual Assets Under Management (AUM) and average fund management fee§ • No withdrawal fees/limits § This includes an (AUM) fee of 0.45% charged by Plum, as well as a 0.06–1.06% fund management fee, depending on the specific investment fund(s) you choose. GET RETIREMENT-READY • Consolidate your existing pensions into one Personal Pension (SIPP) • Choose from risk managed or diversified global funds • 0.89% annual Assets Under Management (AUM) and average fund management fee • Get tax relief on your contributions This includes a 0.45% Product Providers fee, as well as a 0.08%–1.06% fund management fee, depending on the specific investment fund(s) you choose. SECURITY • We support biometric security • We never share your data with third parties without consent • Customer support available 7 days a week Plum Fintech Ltd is an agent and distributor of PayrNet Ltd (FRN 900594) and Modulr FS Ltd (FRN 900573), respectively, both authorised as EMIs by the FCA. Plum Fintech Ltd (FRN: 836158) is a registered AISP with the FCA. Saveable Ltd (FRN: 739214) is authorised and regulated by the FCA as an investment firm. Plum is a trading name. For investments and pensions, all fund management and provider fees are shown annually, billed monthly and immediately reflected in your portfolio. 2-7 Clerkenwell Green, London, EC1R 0DE.