Moneycube

What Moneycube does

Moneycube (legal entity Moneybox Financial Limited) is a Central Bank of Ireland-regulated digital-first financial advisory firm headquartered at 68 Harcourt Street, Dublin 2, founded in 2016 by Ralph Benson and Feargal McKenna to make investment and pension advice accessible to Irish consumers. The company serves approximately 5,000 customers with €250 million under advice, spanning personal investment accounts, personal pension plans, pension consolidation, financial planning, life assurance, and a business-tier offering of company pension schemes, workplace benefits, and director/executive planning. Its technology platform provides a single portal at my.moneycube.ie for onboarding, account management, performance tracking, and ongoing advisory interaction, supplemented by an interactive Calculators & Tools Hub (including pension, investment, retirement income, savings goal, and the Moneydocs spreadsheet tool) that funnels leads into the advised model.

The platform sits on top of access to over 10,000 funds from global asset managers, with orders routed through third-party administrators and fund administrators rather than via a proprietary API. Moneycube monetises through recurring, value-based fees: a 0.5% advice and service fee on advised funds, with typical all-in customer costs of 1%-1.5% per annum covering advice, fund manager fees, and platform/trading costs. Fund manager and trading costs vary by account type — 0.75% for life company investments, 0.52%-1.0% for direct investments, and 0.5%-1.0% for pensions — and a small transactional initial payment from fund providers is disclosed in certain cases.

Its go-to-market combines a D2C digital self-serve funnel (low minimums of €250/month or €2,500 lump sum) with a sales-led wealth management offering for portfolios typically above €500,000, and a corporate/B2B channel for employer pension and benefits schemes. Demand generation is content-led via the Knowledge Hub, calculators, podcast appearances, and earned media coverage in The Journal, Irish Times, RTE, and NewsTalk. In March 2026 the firm acquired Clondalkin-based OMAC Mortgages and Finance as a strategic move into mortgage distribution within the group. Moneycube is a privately held, founder-led business with no disclosed external institutional or venture funding.

Name

Moneycube

Legal name

Moneybox Financial Limited

Website

https://moneycube.ie

Company type

Private

Founded year

2016

Operating status

Operating

Headcount range

1–10 employees

Short description

Moneycube is a Central Bank of Ireland-regulated, Dublin-based digital wealth advisory firm founded in 2016 that serves around 5,000 Irish retail and business customers with €250m under advice via online investment, pension, life assurance, and corporate scheme products priced at roughly 1%-1.5% all-in per year.

Ownership category

akta.pro rank

Headquarters

HQ city

Dublin

HQ country

Ireland

HQ region

Europe

Offices1 record

Markets served

GTM type

B2B and B2C

Offering type

Services

Cost components

Personnel, Technology or R&D, Marketing or Sales, Operations, Infrastructure

Revenue model

1. Advice and Service Fees: Moneycube charges advice and service fees based on the value of funds under management. Standard fees are 0.5% on the value of funds on which they advise. Most customers pay between 1% and 1.5% annually all-in for financial advice, fund management, and platform/trading costs.
2. Fund Manager and Trading Costs: Fund management fees vary by account type: 0.75% for life company investments, 0.52%-1.0% for direct investments, and 0.5%-1.0% for pensions. These are charged based on fund value and include the fund manager's fees and trading costs.
3. Initial Payments from Fund Providers: In certain cases, Moneycube receives an initial payment from fund providers upon setup of an investment. This is always disclosed to clients in full.

Pricing tiers

Go-to-market motion2 records

Distribution channels3 records

Marketing channels8 records

Core offering

Moneycube is a digital-first financial advisory platform that provides Irish consumers and businesses with managed investment accounts, pension plans, pension consolidation, financial planning, and life assurance services. The offering combines online account management and interactive calculators with guidance from Qualified Financial Advisors, providing access to over 10,000 fund options from global asset managers. Services are regulated by the Central Bank of Ireland and priced via transparent fees based on fund value.

Product overview

Moneycube is a digital-first financial advisory platform offering a unified suite of investment and pension services for individuals and businesses in Ireland. The core offering consists of Investment Accounts, Pension Plans, Pension Consolidation, Financial Planning, and Life Assurance for individual customers, alongside Company Pension Schemes, Workplace Benefits, and Director/Executive Planning for business clients. Supporting these are the Calculators & Tools Hub (with interactive investment, pension, retirement, and savings goal calculators) and Moneydocs spreadsheet tool. The Knowledge Hub provides educational content. All services combine online platform access with guidance from Qualified Financial Advisors, are regulated by the Central Bank of Ireland, and provide access to over 10,000 investment funds from global providers.

Differentiator

Problem solved

Functional benefit

Products and services

• Investment Account A managed investment account enabling users to invest in globally diversified, professionally managed portfolios through an online platform with access to over 10,000 fund options from global asset managers. Targeted at Irish retail investors with minimums of €250/month or €2,500 lump sum.
• Pension Plans Personal pension plans providing tax-efficient retirement savings with flexible contributions, access to diversified funds, and guidance from Qualified Financial Advisors. Available to Irish individual savers seeking to build retirement provision.
• Pension Consolidation Service to combine multiple old workplace pensions into a unified investment strategy for better visibility, control, and potentially lower fees. Aimed at individuals with fragmented pension holdings from multiple employers.
• Financial Planning Comprehensive financial planning service reviewing savings, pensions, investments, and protection needs to create a tailored plan aligned with long-term goals. Targeted at individuals seeking holistic financial planning advice.
• Life Assurance Life assurance products comparing policies from trusted Irish insurers, including term cover, whole-of-life options, and specified illness cover. For individuals seeking protection and income protection for their families.
• Company Pension Schemes Corporate pension schemes tailored for businesses, including scheme design, staff communication, ongoing governance, and compliance support. Aimed at Irish employers needing to meet auto-enrolment and pension obligations.
• Workplace Benefits Employee benefits including flexible pension structures, income protection, life assurance, and health and wellness benefits for businesses of all sizes. For employers looking to attract and retain staff through workplace benefits.
• Director and Executive Planning Tailored pension structures and tax-efficient wealth extraction strategies for directors and senior executives, including succession and continuity planning. Targeted at company leadership requiring bespoke retirement and wealth structuring.

Quantifiable outcome

• Customers can typically save 75% on fees compared to traditional financial advisors
• +1 more outcomes

Segments6 records

Ideal customer profiles5 records

Technology focussed No

API detail

Has API

No

API docs

API detail

Core technology

AI maturity

App detail

Feature3 records

Partnerships

One partnership is on record.

• OMAC Mortgages and FinancecoreOthers · 20 March 2026Moneycube acquired Clondalkin-based OMAC Mortgages and Finance as a key step in broadening the Moneycube group's service offering and bringing investment advisory capabilities to a wider customer base. This acquisition expands Moneycube's mortgage and finance services within the group.

Scale indicators4 records

Recent moves6 records

Expansion highlights6 records

Direct peers

• Moneybox: UK-based digital wealth and pension platform offering ISA, pensions, and general investing through an app-first model with low minimums. Closely comparable to Moneycube on digital-first wealth/pension delivery and target customer (mass-affluent savers).
• Nutmeg: UK robo-advisor offering managed portfolios, ISAs, and pensions with transparent fees. Comparable to Moneycube as a digital-first advisory platform combining automated portfolios with human support and a similar AUA-fee revenue model.
• Wealthsimple: Canadian digital wealth platform offering managed investing, retirement (RRSP/TFSA), and tax-advantaged accounts. Comparable to Moneycube in combining self-directed and advised investing, transparent percentage-based fees, and a strong content-led acquisition model.
• Betterment: US robo-advisor offering automated portfolios, retirement accounts, and financial planning tools with percentage-based fees. Comparable to Moneycube as a digital-first advisory platform with similar low-fee, advice-plus-dashboard proposition for retail savers.
• Wealthfront: US automated investing platform offering diversified portfolios, retirement accounts, and financial planning with a percentage-based fee model. Directly comparable to Moneycube on digital advisory delivery, low fees, and dashboard-driven portfolio management.
• Davy: Ireland's largest domestic wealth manager and stockbroker, offering investment management, pensions, and corporate wealth advisory. Comparable to Moneycube as an Irish-headquartered advisory competitor with overlapping corporate pension and HNW wealth services.
• BlackBee: Irish-headquartered digital investment platform offering managed portfolios and funds to retail and intermediary customers. Comparable to Moneycube as an Ireland-based digital wealth platform with a similar AUA-fee model and mass-affluent target market.

Broad incumbents

• Irish Life: Ireland's largest life and pensions provider, offering pensions, investments, and corporate schemes through tied advisors and employer relationships. Overlaps directly with Moneycube's pensions and corporate pension scheme business as a much larger, established incumbent.
• Zurich Life Assurance (Ireland): Major Irish life and pensions provider offering individual and corporate pensions, investments, and protection. A direct incumbent competitor to Moneycube in both retail pensions and corporate scheme design, with substantially larger scale.
• New Ireland Assurance: Bank of Ireland-owned Irish life and pensions company offering pensions, investments, and corporate schemes. Comparable to Moneycube as a large-scale Irish incumbent competing for the same retail and corporate pension customers.

Market position

Strengths5 records

Weaknesses5 records

Competitive moat5 records

Key risks6 records

Key highlights6 records

Customer concentration

• Xx.com/moneycubeHQ
• Facebookfacebook.com/Moneycube
• LinkedInlinkedin.com/company/moneycube

Compliance7 records

Revenue estimate

Valuation estimate

Number of profiles

Profiles2 records

Subsidiaries1 record

Funding overview

Funding rounds

Investors

Funding detail is available on the Subscription and Enterprise plan.Contact sales →

M&A

Investments

M&A and investment is available on the Subscription and Enterprise plan.Contact sales →

Frequently asked questions about Moneycube