We help turn

your money into

something greater

2
Our mission
To help people build wealth with confidence so they
can enjoy life, today and tomorrow.

Our vision
To become the UK’s category-defining
wealth platform.

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All in one
award-winning app
We bring saving, investing, home-buying and
retirement services together into one simple
and enjoyable app, so people can achieve their
goals and build wealth throughout their lives.

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Why customers choose Moneybox
1 2 3 4
Comprehensive Simple, accessible and easy Focus on exceptional Trustworthy, reliable
product offering... to get started... app experience and and widely recognised
customer service
#1

Lifetime Stocks & Shares Personal

ISA ISA/GIA/JISA Pension
New
Sign up in minutes
£
Cash Savings Mortgage
Accounts Advice

...delivering on four key saving

and investing missions Get started with £1

Regulated by the FCA with

permissions across Open Banking,
...underpinned by proprietary
Pensions, Investments and
technology platform
Client Money
Saving Investing Home-buying Retirement

5
We help people deliver on their long-term
financial planning objectives
Example customer journey

First product Subsequent products

£
Lifetime Cash savings
ISA Stocks & Shares Accounts
Lifetime ISA/GIA/JISA
ISA Personal
Pension
AUA

£
Stocks & Shares Mortgage
ISA/GIA/JISA Advice
Cash Savings
Accounts

They open a first product and use After the success with their first They open further products, as well as
Customer downloads the
the tools and services in-app to product, they open a subsequent consolidating their old workplace
Moneybox app. product and increase overall holdings pensions.
help them rapidly increase their
account balance. throughout the next few years.

AGE

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Differentiated
position within
the competitive
landscape¹
We’re building a service that helps the
mass market to grow their wealth over
the long term.

Moneybox supports people throughout

their lives, helping them to build wealth and
achieve their goals, whether that’s saving for
a rainy day, investing for the future, buying
their first home, or planning for retirement.

1
Moneybox interpretation of the competitive landscape.

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 Total customers

We continue 1,000,000
850k

to grow our
customer 750,000

base rapidly 500,000

And we’re just getting started.
We believe there are more than 20m
people in the UK who would benefit
from our service. 250,000

2017 2018 2019 2020 2021 2022

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 £3,681
AUA per customer Average balance

Customers £4,000

trust us with
more of their £3,000

wealth £2,000

The average age of our customers is

32, meaning they will likely grow their
wealth with us for decades to come.
£1,000

2017 2018 2019 2020 2021 2022

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 AUA £3bn

Driving £3.5bn

exponential £3bn

AUA growth £2bn

£1bn

£0bn
2017 2018 2019 2020 2021 2022

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 Annualised Revenue £14m
Adjusted Annualised Revenue Gross Margin

And rapidly
£15m 100%

accelerating 75%
revenue at 89% £10m

gross margin 50%

We continue to grow at >100% yoy £5m

and are on track to exit 2022 at over
£20m in annualised revenue. 25%

£0m 0%
2017 2018 2019 2020 2021 2022

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How we make money
Proven model generating diversified revenue streams
across Investing, Saving, Retirement and Home-buying.

Interest Management Mortgage

Membership Rate Spread Fees Revenue
Fees
On cash accounts, the Typically 45bps annual Procuration fees paid by
Customers with investment charge of investment assets banks on mortgage
difference between the rate
products (ISA/GIA/LISA1) under administration. completion.
provided by our partner
pay a £1 per month
banks and that passed on
membership fee.
to customers.

1ISA = Individual Savings Account, GIA = General Investment Account, LISA = Lifetime ISA

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Our financials
Explanatory Notes
Years are calendar years. Our financial
year end is 31 May.

Planned increase in customer numbers

driven by continued expansion of our
Calendar product range.

year 2017a 2018 2019a 2020a 2021a 2022f 2023f 2024f 2025f

Increase in revenue per customer is

Customers driven by our customers continuing to
(000’s, end 73.7 144.2 329.6 524.2 743.6 1,002.3 1,252.4 1,642.2 2,058.2
of year) build their account balances and opening
secondary products.
Revenue per £4.35 £5.82 £4.86 £7.42 £9.55 £15.02 £22.17 £28.10 £33.38
customer (£) Dip in revenue per customer in 2019
driven by large influx of new Cash
Revenue LISA customers in Nov 2019, which
(£m)
£0.32 £0.83 £1.60 £3.89 £7.10 £15.05 £27.76 £46.15 £68.71
was too late in the year for them to
build significant balances and generate
revenues. The influx was related to
Gross profit
(£m)
£0.017 £0.26 £0.67 £3.07 £6.09 £12.56 £25.82 £43.34 £64.79 the widely publicised ending of the
government Help to Buy ISA.
Gross margin 5% 31% 42% 79% 86% 83% 93% 94% 94%
Gross margin improvement reflects the

building of our investment management
EBITDA (£m) platform, thereby reducing reliance on third
-£2.69 -£3.87 -£7.00 -£8.20 -£12.54 -£16.65 -£9.84 -£4.34 £3.70
parties and continuing economies of scale.
a = Actual Results. From management accounts
Past performance is not a predictor of future performance. Projections are not a guarantee of future performance. f = Forecast results.

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Projected growth
£ £ £

0.85m £3.6k £3bn 2.1m £6.4k £13.1bn 4.1m £14.2k £58bn

Customers AUA/Customer AUA Customers AUA/Customer AUA Customers AUA/Customer AUA

Current 2025 2030

Projections are not a guarantee of future performance.

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Product roadmap
Together with the funds from our latest institutional
raise, this crowdfund will enable us to implement an
exciting roadmap of new tools, features and products.
Shares ISA
This next phase of growth will see us… £3,248.50

Saved this week

Improve our investing proposition - adding a broader
range of ETFs and introducing individual stocks £35.20 Edit Add money

and cryptocurrencies, so customers can build a

diversified portfolio aligned to their values.
Cash Personal
Lifetime ISA Pension
Focus on new ways to guide and support people with
Saved this week Saved this w
financial planning - for today and tomorrow. £62.50 £24.50

Continue to grow our popular services, including;

Moneybox Mortgages - our free 5-star mortgage
brokerage service, our Savings Accounts and tools
in-app, and the Moneybox Personal Pension - offering
a first-class Pension Detective service to help people
find and combine old pensions.
App screen example
£

Track down Moneybox+

lost pensions
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Backed by top
Lead investor

institutional Valuation1

investors
£300m
Series D
£35m2

£250m

£200m
Already raised £35m in Series D funding from
leading VCs, bringing total funding to £95m. Lead investor
Series C
£150m
£38.8m VC
+ crowdfund
Valuation post institutional Series D raise is £298.3m.
Lead investor
£100m
Series B
You’ll invest at the same price as our institutional £14.0m

investors at £5.58 per share, up from £3.50 per £50m

Lead investor

share in the Series C. Seed

Series A
Pre-Seed £4.0m
£1.3m
£2.0m

0
Aug Apr Apr Jun Jun Apr
2015 2016 2017 2018 2020 2022

¹ Post-money valuation. Bubble size and label = Total investment size

² Series D valuation is post-VC funding but pre-crowdfunding.

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Spotlight on Fidelity
Alokik Advani
Managing Partner
Fidelity International Strategic
Ventures

Fidelity International is a global asset manager with a 50+ year

history of direct private investment and has invested in 250+
companies globally.

Fidelity International Strategic Ventures (FISV) is a dedicated venture

capital arm set up to invest in fintech businesses and technologies.
The team invests in meaningful minority stakes in early stage fintech Fidelity were proud to lead the Series D funding round and
businesses, backing bold, disruptive entrepreneurs who are looking this new investment is a testament to the confidence of those
to change the face of finance. closest to the Moneybox business.

Backing Moneybox since our Series B raise, FISV was the lead Since our first investment in the Series B funding round, we have
investor for our Series D. been extremely pleased with the company’s execution, clear
revenue model, product innovation, and diversification.
FISV has partnered with a number of high growth fintechs including:

Moneybox is at an exciting inflection point in its journey and

this next chapter of growth will see them introduce new unique
investment solutions helping to support millions build wealth
with confidence.

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Moneybox team

MD Home-buying

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Join us and invest
alongside top VCs
Let’s help
• £3bn assets under administration
• 850k customers everyone turn
• 300 employees
• £35m Series D funding their money
Minimum Raise Target: £1m into something
Post-Money Valuation*: £298.3m

With a minimum investment of only 2 shares = £11.16,

greater.
join us and be part of the next stage of our growth.

*Pre-crowdfunding May ‘22

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