What are cash funds?
Cash Funds are incredibly useful to park your money, earn a decent interest, and compound interest on an ongoing basis without having to tie up your money unnecessarily. They are considered to be a safe product and are useful for people who want to save or even park cash whilst waiting to make their next investment. They can be bought and sold on the same day, and in the case of Moneybase, there are no fees to do so.
Cash funds not only help protect your wealth but also keep your funds readily available to seize new opportunities as they arise, since there is no lock-in period like, for example, a fixed term deposit has. You can liquidate daily.
A comparison to Revolut’s cash funds
With Moneybase Cash Funds, you get the full yield from the Funds, no service fees, and no need for monthly paid subscriptions to ‘boost’ your returns!
Revolut offers cash funds with variable returns depending on which plan you’re on, whereas Moneybase passes on the full interest rates to all its customers. This is because Revolut charges a service fee that ultimately deducts the amount of interest going into your pocket daily.
The table below provides a comparison of cash fund Annual Percentage Yields (APYs) offered by Moneybase and Revolut:
| Moneybase | Revolut Standard | Revolut Plus | Revolut Premium | Revolut Metal | Revolut Ultra | |
|---|---|---|---|---|---|---|
| Monthly cost | Free | Free | €3.99 | €8.99 | €15.99 | €45 |
| Buy or Sell fee |
Free | Free | Free | Free | Free | Free |
| EUR | 2.32% APY | 1.48% APY | 1.63% APY | 2.08% APY | 2.23% APY | 2.33% APY |
| GBP | 4.40% APY | 3.23% APY | 3.48% APY | 3.98% APY | 4.23% APY | 4.38% APY |
| USD | 4.48% APY | 2.98% APY | 3.23% APY | 3.73% APY | 3.98% APY | 4.33% APY |
The Money market funds offered on Moneybase are essentially UBS Money Market Funds and have a Summary Risk Indicator of 1, the lowest possible for financial investments. UBS Asset Management is one of the world’s largest, trusted issuers of money market funds, with over USD 6 trillion AUM in the group. Their money market offerings are known for institutional-grade scale, strong credit oversight, and use of best-in-class liquidity management.
APYs and plan costs as of 15/05/2025.
Net returns on a €5,000 deposit across Moneybase and Revolut plans
Here’s a comparison of the total net return on an initial investment of €5,000 if you were to keep it over 12 months at the current APYs.
| Provider | APY | Gross interest | Annual fee | Net gain | Net % |
|---|---|---|---|---|---|
| Moneybase | 2.32% | €117.35 | €0.00 | €117.35 | 2.35% |
| Revolut Standard | 1.48% | €74.55 | €0.00 | €74.55 | 1.49% |
| Revolut Plus | 1.63% | €82.17 | €47.88 | €34.29 | 0.69% |
| Revolut Premium | 2.08% | €105.09 | €107.88 | -€2.79 | -0.06% |
| Revolut Metal | 2.23% | €112.75 | €191.88 | -€79.13 | -1.58% |
| Revolut Ultra | 2.33% | €117.86 | €540.00 | -€422.14 | -8.44% |
The figures above are calculated on the assumption that the current APYs (as of 15 May 2025) remain applicable over the next 12 months. This assumes that interest rates remain stable throughout that period. However, APYs may change, and actual performance figures may differ. If interest rates decrease (a negative scenario), the interest generated would also decrease. Conversely, if interest rates increase (a positive scenario), the gross interest would similarly increase.
Great flexibility with same-day settlement
Moneybase offers same-day settlement on our EUR, USD, and GBP cash funds. This means that with EUR, USD, and GBP cash funds, you can access your money whenever you need it, making it easier to manage your daily cash flow and leverage emerging opportunities within today’s very dynamic and fast-moving market.
Daily annualised returns
Enjoy the benefit of daily compounded returns on your balance, earning up to 4.48% APY* on USD cash funds, making the most out of your money in the short and long term.
Covered by the Compensation Scheme
We are a member of the Maltese Investor Compensation Scheme. Instruments entrusted to us are covered under the Scheme in line with the Investor Compensation Scheme Regulations (S.L. 370.09).
Download Moneybase and start today
Moneybase is an all-around, easy-to-use platform that allows you to manage all your finances seamlessly. Moneybase offers ultra-competitive currency exchange rates and a free trade each month!
To get started, open or download the Moneybase app and register for free in minutes. If you need assistance, speak to us through our in-app live chat or contact us on +356 25 688 688, available 7 days a week. Alternatively, you can visit one of our Calamatta Cuschieri Moneybase branches in Fgura, Sliema, Mosta or Birkirkara.
Net gains do not consider any tax costs. The figures are presented to provide a comparative analysis between the two products as of today. They are not intended, nor should they be construed, as an indicator of future performance. Furthermore, the comparison assumes that the subscription to Revolut’s plans is made solely to access the higher APYs. This analysis does not take into account any additional benefits associated with the plan, to which individual users might assign monetary value.
The APY (Annual Percentage Yield) is presented as of 15/05/2025 and based on information provided by the fund manager, UBS Funds (Lux). Please note that the annual interest rate changes on a daily basis and might move in an unfavourable direction. The value of your investments may go down as well as up and may be affected by changes in currency. Before making any investment decision, please carefully examine the Key Information Documents (KIDs) available on the Moneybase platform in the instrument details section, or contact us at any time for assistance.
(KIDs) available on the Moneybase platform in the instrument details section, or contact us at any time for assistance.
All investment services are brought to you by Calamatta Cuschieri Investment Services Ltd (CCIS) C13729, which is licensed by the MFSA under the Investment Services Act.
