Moneybox Slashes Fees with New Amundi-Powered Actively Managed Funds

Moneybox has launched three new actively managed funds—Cautious, Balanced, and Adventurous—in partnership with Amundi. By introducing its lowest-ever service fee of 0.15%, the wealth management platform is aggressively targeting retail investors who seek professionally managed portfolios without the complexity of individual stock selection or the high costs typically associated with active management.

What was announced

The new Moneybox Cautious, Balanced, and Adventurous Funds are ready-made portfolios designed to align with specific investor risk appetites. Developed in partnership with Amundi, the largest investment manager in Europe, these funds are actively managed by experts who handle the underlying asset allocation and portfolio adjustments on behalf of the customer. This structure allows users to maintain an investment strategy without the need to select or manage individual holdings themselves.

The funds are integrated into the Moneybox investing ecosystem and are available through several account types, most notably the Stocks & Shares ISA. Within this wrapper, any investment growth or income generated remains free from UK capital gains and income tax, subject to standard ISA regulations. The onboarding process is designed for speed, with the platform stating that a Stocks & Shares ISA can be opened and the fund range presented in approximately two minutes.

A central component of the announcement is the revised fee structure. Customers opting for these specific funds will pay an annual Moneybox service fee of 0.15%. When combined with the 0.29% fund fee, the total cost to the investor is 0.44% per annum. This is equivalent to a charge of £4.40 for every £1,000 invested. While this new rate represents the lowest service fee Moneybox has offered to date, the standard 0.45% service fee continues to apply to other investment products on the platform. Additionally, Moneybox is removing its £1 monthly subscription fee for any customer holding £5,000 or more across qualifying savings and investing accounts.

"Investing can feel unnecessarily complicated, particularly when you’re getting started. Many people know they want to make more of their money over the long term but are put off because they don’t know what to invest in or feel they need to become an expert first."

Jay Swanston, Chief Platform Officer at Moneybox.

The companies involved

Moneybox is a UK-based wealth management platform that has focused on democratizing access to financial planning and wealth-building tools. The company was co-founded by Charlie Mortimer, who serves as Co-CEO, and Ben Stanway, who holds the role of Executive Chair. Since its inception, the platform has expanded from simple "round-up" micro-investing into a comprehensive suite of products including ISAs, Lifetime ISAs, and personal pensions. Its leadership team also includes Jay Swanston as Chief Platform Officer and Kirsty Cantwell as Consumer PR Manager.

Amundi, the partner for this fund launch, is the largest asset manager in Europe and ranks among the top ten globally. The firm manages a vast array of assets for institutional and retail clients, providing the scale and technical expertise required for the active management of the new Moneybox fund range. This collaboration follows a previous partnership between the two firms earlier this year, which saw the introduction of three dedicated Moneybox pension funds managed by Amundi.

What FF News has reported before

FF News has closely followed the growth of Moneybox as it scales its valuation and product suite. In July 2026, the platform reached a significant milestone when Moneybox Hits £800M Valuation Following £45M Secondary Share Sale via PISCES. This transaction allowed early investors and employees to realize gains while cementing the company's status as a major player in the UK fintech landscape.

Amundi has also featured prominently in recent coverage regarding its technological and ESG-driven shifts. In August 2026, LAIQON and Amundi Launch AI-Optimized Active ETF to Target Alpha at Low Cost, highlighting the manager's move toward integrating artificial intelligence into active strategies. Furthermore, the firm’s competitive positioning in the institutional market was underscored in July 2026 when Nesta Trust Divests £120M from Northern Trust to Amundi Over Climate Commitment Rollback, demonstrating Amundi's ability to capture significant mandates from competitors.

What this means

This move signals an intensifying battle over fee transparency and "all-in-one" platform utility in the UK retail wealth sector. By pricing an actively managed product at 0.44% total, Moneybox is effectively challenging the traditional boundary between low-cost passive ETFs and more expensive active management. This puts immediate pressure on incumbent platforms like Hargreaves Lansdown and AJ Bell, as well as neobank competitors like Revolut, to justify their own service fees. The removal of the monthly subscription fee for larger balances further suggests a strategic shift to retain high-value users who might otherwise migrate to flat-fee providers as their portfolios grow. The industry must now consider whether active management can truly be commoditized at these price points without sacrificing performance.