Our Stocks & Shares ISA allows you to invest your money in a range of tracker (mutual) funds, ETFs, and some of your favourite US companies. Investing your money can provide higher returns than a Cash ISA over the long term (minimum of five years), however, as with all investing, your capital is at risk and you may get back less than you invest.

Our usual investment account fees also apply to our Stocks & Shares ISA, which you can find in detail in the 'My Account' section of our help centre. You can also read more about our Stocks & Shares ISA on our website.

The Cash ISA is a cash savings account and does not offer any investment options. To open a Moneybox Cash ISA, you'll need to make a first deposit of at least £500, or transfer in an existing ISA from elsewhere.

By keeping an account balance of £500 or more and not making four or more withdrawals in each 12-month period after opening your Cash ISA, you'll earn a higher rate, which for new customers also includes a bonus rate for your first 12 months.

The number of withdrawals you can make without impacting your rate resets each year on the date you opened your Cash ISA.