Updated September 29, 2026 · VaultCue Editorial Team
Finanzguru AT vs Moneybox
Finanzguru AT
Higher score in this comparison
Moneybox
What sets them apart
| Compare | Finanzguru ATReviewSee alternativesSee alternatives | MoneyboxReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 7%Higher | 4% |
| Rate type | Fixed | Variable |
| Deposit protection | EU DGS up to EUR 100,000 | FSCS up to GBP 85,000 |
| Access terms | Free registration without authentication; over 4,000 banks and providers linkable; Sparbooster credit withdrawable from 5 EUR | 3 withdrawals a year without impacting your rate; a lower rate of 0.75% AER (variable) applies if balance is below GBP 500 or you make 4 or more withdrawals in 12 months |
| Monthly fee | €0 | £0 |
| Minimum deposit | Not confirmed | £500 |
Same on both: Account kind (ISA).
We earn a commission when you sign up through links on this site. Partner status can affect where a brand appears in our rankings. Partners with a live offer in your country come first, then every other brand by score.
Key differences
- Finanzguru AT scores higher overall: 9.1 vs 8.7.
- Headline rate is higher at Finanzguru AT: 7% vs 4%.
- Support channels: only Finanzguru AT offers Email.
Our verdict on each
Finanzguru AT
Finanzguru AT suits savers who want to run everything from one online view, and who value a balance covered by EU DGS up to EUR 100,000. Readers who want a rate that follows policy moves, or who need help beyond email and help centre, should read the terms first.
Moneybox
Moneybox pairs a cash ISA with no monthly fee, a variable rate and a withdrawal allowance that rewards leaving money alone, which suits patient savers. It scores 4.7 overall and ranks 142 of 473 brands on headline rate, so the interest is competitive rather than exceptional.
Score breakdown
| Area | Finanzguru AT | Moneybox |
|---|---|---|
| Cost | 9.1HigherThe monthly fee is €0 and the model is no monthly fee, so holding the product costs nothing to run. | 8.6A monthly fee of £0, yet a balance under £500 or extra withdrawals trigger a lower rate. |
| Offer | 9.1HigherA fixed rate of 7% on the Sparbooster, above the site median of 3% but mid-table at 56. | 8.8A variable headline rate of 4% AER, above the 3.3% listed for PayPal Colombia. |
Where they rank in our lists
| Ranking | Finanzguru AT | Moneybox |
|---|---|---|
| Savings accounts | 270 of 1420 | 525 of 1420 |
| Cash ISAs | 3 of 11 | 9 of 11 |
A third option
Amonatbonk has headline rate at 13%, against 7% for Finanzguru AT and 4% for Moneybox.
Amonatbonk reviewSources behind this comparison
Finanzguru AT
- finanzguru.de: 9 facts, checked September 26, 2026
- portal.mvp.bafin.de: 1 fact, checked September 26, 2026
Moneybox
- moneyboxapp.com: 11 facts, checked September 26, 2026
Every fact side by side
| Fact | Finanzguru AT | Moneybox |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | dwins GmbH | Digital Moneybox Limited |
| Headquarters | Germany | United Kingdom |
| Support channels | Email, Help centreCovers more | Help centre |
Everyday accounts
| Fact | Finanzguru AT | Moneybox |
|---|---|---|
| Features | Digital only | Not confirmed |
Where each stands against the rest
| Fact | Finanzguru AT | Moneybox | Median |
|---|---|---|---|
| Headline rate | 7%highest quarter | 4%above the median | 3.25% |
| Minimum deposit | Not confirmed | £500highest quarter | £1 |
Median across 658 listed accounts.
Pros and cons
Finanzguru AT
Pros
- Balances sit under EU DGS up to EUR 100,000, so the money has a named scheme behind it.
- Registration is free without authentication, and a wide range of banks and providers can be linked into a single view.
- The intermediary registration D-LVC7-NRKYT-67 gives readers a named German body to check and a claim to make.
Cons
- Support runs on email and help centre only, so a question about the savings product gets no phone answer.
- The service is digital only, which keeps every task on screen with no counter service for readers who prefer face-to-face help.
- On the site's headline rate table the 7% ranks at 56 of 473 brands compared, so it is competitive without sitting among the highest figures.
Moneybox
Pros
- A monthly fee of £0 on the cash ISA, so nothing is deducted from the balance each month.
- The money sits under FSCS up to GBP 85,000, giving the account a named deposit scheme behind it.
- A variable headline rate of 4% AER, above the 3.3% listed for PayPal Colombia.
Cons
- A minimum deposit of £500 puts entry among the heavier balances in the comparison, ranking 335 of 370 brands.
- Falling below £500 or going past the yearly withdrawal allowance moves the account onto a much lower variable rate.
- Support runs on help centre only, while phone support appears on 79.5% of the brands compared.
Who each suits
Finanzguru AT
Who it suits
- Readers in DE who want savings managed entirely online and priced at €0 a month.
- Savers planning ahead who prefer a fixed return of 7% that does not move with policy decisions.
- Anyone who wants many banks and providers gathered in one view rather than a single-provider account.
Who should look elsewhere
- Borrowers rather than savers: AXI Card Tarjeta y Credito and Plazo ES advertise 21.59% and 24.19% on credit terms, so they answer to revolving balances rather than to the EU DGS up to EUR 100,000 cover behind this account.
- Readers after a plain everyday balance: PayPal Colombia pays 3.3%, far below the 7% here, so it suits a small pot that only needs to earn something.
Moneybox
Who it suits
- Savers who can hold £500 or more and keep their withdrawals inside the allowance.
- Readers happy with a variable rate, which covers 90% of the cash ISAs in the comparison.
- Anyone comfortable handling support through a help centre rather than speaking to someone on the phone.
Who should look elsewhere
- Plazo ES, showing 24.19%, is the pick for readers who care most about the biggest headline figure rather than an ISA wrapper.
- AXI Card Tarjeta y Credito, at 21.59%, suits readers chasing a far higher headline rate than a cash ISA can offer.
- PayPal Colombia, listed at 3.3%, is the alternative for readers who want a lower headline rate in another market.
Current offers
Finanzguru AT
Current offer
Bonus
Finanzguru Sparbooster: 7 % annual subsidy on reserved points for the Altersvorsorgedepot: 7 % subsidy per year
Reserve Sparbooster points in the app; runs until the Altersvorsorgedepot starts in January 2027; new points reserved automatically; points can be released at any time; not real interest but a subsidy when buying the Altersvorsorgedepot.
Source, checked September 26, 2026
Discount code
Sparbooster cashback vouchers (e.g. adidas and FC Bayern Munich +8 %, IKEA and Zalando +5 %, Deutsche Bahn and Media Markt +3 %): up to 8 % cashback
Base Sparbooster offer free; cashback doubled with Finanzguru Plus; credit withdrawable by real-time transfer from 5 EUR; other brands offer half the cashback without Plus.
Source, checked September 26, 2026
Moneybox
Current offer
Bonus
Introductory bonus rate on the Moneybox Cash ISA: +0.55% AER for the first 12 months, giving 4.00% AER (variable) total
New customers only; new customer rate as of 22/09/2026; requires balance of GBP 500 or more and fewer than four withdrawals in each 12 month period; underlying rate 3.45% AER (variable) applies after the 12 months
Source, checked September 26, 2026
Country by country
| Country | Finanzguru AT | Moneybox |
|---|---|---|
| Germany | Yes | No |
| United Kingdom | No | Yes |
Questions about each
Finanzguru AT
What rate does the Sparbooster pay?+
The Sparbooster pays a fixed rate of 7%. A fixed rate means the return does not shift with policy rate decisions during the term, which helps when you are saving towards a set date. The figure sits above the site median of 3%.
What does it cost to hold the account?+
Holding the account costs €0 a month, and the product is built as no monthly fee. Registration is free and needs no authentication, so opening it adds nothing to the running cost, and the site median monthly fee is €0.
Moneybox
What does the Moneybox cash ISA cost to hold?+
The account has a monthly fee of £0, so there is no recurring charge to budget for. The figure to plan around is the minimum deposit of £500, which is the balance needed to open the account. Together they make up the whole cost picture for holding it.
How much interest does the Moneybox cash ISA pay?+
The headline rate is 4% AER, and it is variable rather than fixed. That means the figure follows the market instead of being locked for a term, so treat it as the current level rather than a guaranteed return.
Other options to compare
Related by the facts
Finanzguru AT
Moneybox