Simple, clear and great-value fees

Moneycube charges a fraction of the cost of most traditional financial advisors.  You can typically save 75% on fees for regular or lump sum investments.   We hate hidden costs so our fees are simple, clear, and great value.

We have separate fee structures for investments and for pensions.


Your investment account fee has two elements: our advice and service fee, and the fund manager’s fee.

Investing into life company investment funds

Life companies are the main investment providers in Ireland. Moneycube has relationships with all six of them.

The total annual fee is 1.25% of the value of your funds.

That means for every €100 invested using Moneycube, €1.25 is deducted per year in fees to Moneycube and the fund manager.

Of the total annual fee, Moneycube receives 0.5% as commission to cover the cost of our financial advice and investment service.  The rest (i.e. 0.75%) is the fund manager’s fee.  This is charged by the manager of the investment fund for managing your investments.

0.50% + 0.75% = 1.25%

Small print:

  1. Certain specialist funds may charge more than 0.75%, but for the vast majority of investors, this is the cost (we’ll always let you know if we’re recommending something different).
  2. This is based on an allocation rate of 100%.  That means that for every €100 invested, €100 is used (allocated) to buy units in the selected fund.
  3. There is a government levy of 1% on all payments into savings plans which are structured as life assurance policies.  This is a one-off government charge, not a recurring fee.

Our fees - benefits


Our fee to set up a new pension is simple.  For a one-off fee of €500 including VAT, we will advise you on your retirement options, and help you set up a plan with one of Ireland’s leading pension providers.

We won’t charge any commission or further fee.  After we’ve set up your pension, your relationship will be directly with the pension provider.

For other pensions work, such as setting up an Approved Retirement Fund (ARF), Buyout Bond, or consolidating more than one pension, we will always discuss and agree a fee with you in advance of incurring any cost.


Get started with Moneycube today