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Thomas W

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Review of the Tembo Money, Lifetime ISA:

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Came for the rate, stayed for the app experience.

I switched to Tembo for my LISA and cash ISA because my previous provider dropped their interest rate. After looking around I found Tembo had the best rate around and so took the plunge. I came for the rate, I stayed for the app experience and customer service. Both of which are top notch (extremely minor quibbles aside). Since then I've got several of my friends and family onto Tembo as well. Reviewed on: 3rd February 2026

Review of the Moneybox app, Lifetime ISA:

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A pension I may actually get to benefit from

I set up my LISA as soon as I heard about it in the 2020/21 tax year. At the time, Moneybox was offering the best rate in the market for this product. I am not a particularly high earner, but every year since then I have made sure to put in the full £4000 allowance into the account - without fail. I work mostly freelance, and so my private pensions are scattered across a smattering of in-house roles over the years. I also have a life-limiting health condition, so will be unlikely to benefit from traditional pension schemes in my lifetime anyway. I already has a mortgage when I set up the LISA, so set it up with the intention of drawing the money when I hit 60. If I die before then, the money will transfer to my wife without any kind of financial penalty. The LISA has given me a feeling of financial stability - I am looking after the future of my family with this product. What I love about Moneybox is that the interest is calculated daily and I can see it in the app. I can visualise the interest compounding, which is pretty exciting. I've used it to educate my 8-year-old daughter about the importance of saving too! Reviewed on: 5th February 2025

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