What is Available Cash?

Your Available Cash shows how much money is held in your investment account as cash – it isn’t invested and instead earns interest.

For our Stocks & Shares ISA, Junior ISA, and General Investment Account, cash earns an interest rate of 2.5% AER (variable). For our Stocks & Shares Lifetime ISA, this rate is 2.25% AER (variable).

You can use your Available Cash to invest in our range of funds (and/or stocks, if you hold a Stocks & Shares ISA), either individually or in line with your current allocation. You can also move money to another Moneybox product, or withdraw to your linked bank account.

For funds held as Available Cash, we do not charge a customer service fee – instead, we will retain the difference (if any) between the interest received from the underlying diversified third party banks and the amounts paid on your product.