Who Owns Moneybox?

Moneybox is owned by its founders, staff and venture investors — no bank, no group and no listing. Companies House establishes nothing: the operating company, DIGITAL MONEYBOX LIMITED (09597755), has filed a “no registrable person” statement since 2017, meaning no shareholder holds 25%. It is not a bank, and the distinction determines how your money is protected. Ownership verified 6 September 2026.

Who owns Moneybox?

Moneybox is private and independent. Its shares are held by its founders — Ben Stanway and Charlie Mortimer, who started it in 2015 — by staff through share schemes, and by a list of venture capital investors across successive funding rounds.

The operating company is DIGITAL MONEYBOX LIMITED (09597755), incorporated 19 May 2015 and registered at Hatfields, London SE1.

Its PSC register shows no controller at all — only an active statement, filed 19 May 2017, that the company knows of no registrable person or relevant legal entity. That is not evasion: it means no single shareholder holds 25% or more, which is the normal outcome after several venture rounds have diluted the founders. This site records the same at Misfits and, in a comparable form, at Revolut.

Legal entity and parent group

There is no parent. Digital Moneybox Limited sits at the top of its own structure, with subsidiaries beneath it for the regulated activities:

• MONEYBOX MORTGAGES LTD (12954235, incorporated 2020)
• MONEYBOX PENSION TRUSTEE LTD (13817702, incorporated 2021)
• MONEYBOX EMPLOYEE SHARE NOMINEE LTD (13598327, incorporated 2021)

The name is the first obstacle, and a serious one. MONEYBOX HOLDINGS LIMITED (05963163) is an unrelated Essex business incorporated in 2006, and there are further unconnected Moneybox companies in Macclesfield and Rochford offering financial advice. A search for “Moneybox Holdings” finds a company that has nothing to do with the app.

The saving app’s company is 09597755, and it is called Digital Moneybox — a brand and its company sharing only part of a name, as at OnlyFans (Fenix International), The Range (CDS Superstores) and bet365 (the Hillside companies).

Regulatory status and authorised firm

This is the section that matters, and Moneybox is the clearest case on this site of why the question is not academic.

Moneybox is not a bank. It is authorised and regulated by the Financial Conduct Authority as an investment firm, and its products fall into different regimes:

• Cash savings are held with partner banks. The money sits with the bank, not with Moneybox, and is covered by that bank’s FSCS deposit protection — £120,000 per person per authorised firm, a limit raised from £85,000 on 1 December 2025.
• Stocks and shares ISAs and pensions are investments. These carry FSCS investment protection of £85,000 if the firm fails — a separate limit that did not change in December 2025 — and, critically, no protection at all against the investments falling in value.

Two consequences follow. If your Moneybox cash sits with a partner bank you already bank with, the balances share one £120,000 limit, because the protection is per authorised firm and not per app. And FSCS cover for investments protects you against the firm failing, never against losing money in the market.

The Financial Services Register is the authoritative source for which firm holds your money and under what permissions — not Companies House.

Shareholders and controlling interests

Nobody holds a registrable interest. Moneybox has raised through venture rounds and, unusually, through crowdfunding — retail investors have bought shares directly in funding rounds, so its share register includes a large number of ordinary savers alongside institutional backers.

That is worth stating plainly because it is rare: most companies covered on this site are owned by funds, families or public markets. Moneybox has a slice of genuine retail ownership, and those shareholders are invisible on the PSC register precisely because their holdings are small.

The founders retain a meaningful stake and operational control without a registrable one. No bank, insurer or larger fintech has been reported as holding a controlling interest.

Group companies and brands

The group operates under the single Moneybox brand across saving, investing, pensions, Lifetime ISAs and mortgage advice.

Its Lifetime ISA business is the one with the most consequential detail attached, and it is a government rule rather than an ownership fact: the LISA carries a 25% government bonus, and withdrawals other than for a first home or after 60 incur a charge that can return less than was paid in. That is a product feature, not something Moneybox controls.

Moneybox is not connected to Monzo, Starling, Revolut, Nutmeg — owned by JP Morgan — or Chip. Nutmeg is the useful comparison: a similar proposition that was bought by a bank, where Moneybox has remained independent.

Sources and verification

The company numbers, the 2015 incorporation, the subsidiaries and the active “no registrable person” statement are Companies House records for 09597755 and can be checked directly.

Two limits. The register establishes nothing about who owns Moneybox — an active statement is a statement about the company’s knowledge, not evidence that no owner exists. And investors below 25% are invisible, so the register shows none where the actual share register runs to thousands of names including crowdfunding participants.

Funding rounds and valuations are reported rather than filed; the company does file accounts, so its revenues and losses are on the public record. Authorisations and permissions are on the Financial Services Register. Companies House does not verify most filed information.