Updated September 28, 2026 · VaultCue Editorial Team
frankly.ch vs Moneybox
frankly.ch
Higher score in this comparison
Moneybox
What sets them apart
| Compare | frankly.chReviewSee alternativesSee alternatives | MoneyboxReviewSee alternativesSee alternatives |
|---|---|---|
| Headline rate | 0.15% | 4%Higher |
| Minimum deposit | CHF 1 | £500 |
| Access terms | Fully digital, app or web, no minimum deposit and no minimum term | 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 | CHF 0 | £0 |
| Deposit protection | Not confirmed | FSCS up to GBP 85,000 |
Same on both: Rate type (Variable), 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
- frankly.ch scores higher overall: 8.8 vs 8.7.
- Headline rate is higher at Moneybox: 4% vs 0.15%.
- Support channels: only frankly.ch offers Email, Phone.
Our verdict on each
frankly.ch
Frankly is a digital, fee free isa for people who want an account that costs nothing to hold and asks for almost nothing to open. It suits savers who value convenience over return: the rate is 0.15% and variable, far below where most accounts sit.
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 | frankly.ch | Moneybox |
|---|---|---|
| Cost | 9.0HigherMonthly fee is CHF 0 and the minimum deposit is CHF 1, so the entry cost is close to nothing. | 8.6A monthly fee of £0, yet a balance under £500 or extra withdrawals trigger a lower rate. |
| Offer | 8.7The rate is 0.15% and variable, close to the bottom of the savings ranking. | 8.8HigherA variable headline rate of 4% AER, above the 3.3% listed for PayPal Colombia. |
Licences and countries
| Country | frankly.ch | Moneybox |
|---|---|---|
| Switzerland | Not confirmed | |
| United Kingdom | Not confirmed | Financial Conduct Authority 712935 |
Additional countries for frankly.ch: 1. Additional countries for Moneybox: 1.
Choosing between them
Pick frankly.ch if cost matter most.
Pick Moneybox if headline rate matter most.
How they place
| Ranking | frankly.ch | Moneybox |
|---|---|---|
| Savings accounts | 466 of 1420 | 525 of 1420 |
| Cash ISAs | 7 of 11 | 9 of 11 |
Every fact side by side
| Fact | frankly.ch | Moneybox |
|---|---|---|
| Pricing model | No monthly fee | No monthly fee |
| Legal entity | Sparen 3 pension foundation of Zuercher Kantonalbank | Digital Moneybox Limited |
| Headquarters | Switzerland | United Kingdom |
| Support channels | Email, Phone, Help centreCovers more | Help centre |
Where each stands against the rest
| Fact | frankly.ch | Moneybox | Median |
|---|---|---|---|
| Headline rate | 0.15%lowest quarter | 4%above the median | 3.25% |
Median across 658 listed accounts.
Pros and cons
frankly.ch
Pros
- No monthly charge: the monthly fee is CHF 0 and the model is no monthly fee
- The minimum deposit is CHF 1, so the account opens at a token amount
- Access is fully digital by app or web, with no minimum term attached
Cons
- The rate is 0.15%, far under the 4.5% typical of the savings accounts we track
- The rate is variable and variable, so it can move down in the same way it can move up
- The account is isa, which locks money away from a UK cash ISA even though the monthly fee is CHF 0
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
frankly.ch
Who it suits
- Anyone starting small, since the minimum deposit is only CHF 1
- People who want a no monthly fee account and never want to see a monthly charge
- Savers who are happy with a variable return and use their own phone or laptop to manage it
Who should look elsewhere
- Anyone chasing return: 0.15% sits well below the 4.5% of the wider savings ranking
- Anyone who wants UK cash ISA tax shelter, as the account kind is isa
- People who want counter service, because access is fully digital and support runs on email, phone and help centre only
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
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 | frankly.ch | Moneybox |
|---|---|---|
| Switzerland | Yes | No |
| United Kingdom | No | Yes |
Questions about each
frankly.ch
Is there a monthly fee to keep the account?+
No charge is made each month: the monthly fee is CHF 0 and the account model is no monthly fee. That sits alongside a minimum deposit of CHF 1, so the cost of keeping money in the account over a year is limited to the interest you forgo elsewhere.
What rate do I get on the balance?+
The headline rate is 0.15%, and it is variable. Because the rate is variable it can be revised while the account is open, so treat the published figure as a starting point. For scale, the median headline rate across the savings accounts we track is 3.08%.
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
frankly.ch
Moneybox