Earn interest daily

We have designed our product offering to be one of the best available on the market. For instance, when comparing Cash Funds on Moneybase with Revolut’s Cash Fund offering Revolut deduct up to 1.47% from the interest you receive by charging what they call “service fees”, whereas Moneybase do not charge any service fees. We always pass on the entire “boosted rate”, to all our customers, no exceptions! 

Additionally, Moneybase provides its customers with peace of mind that they are placing funds with a company that is locally regulated and covered by the Maltese Depositor Compensation Scheme. Furthermore, when placing your money in our Cash Funds offering, we hold these directly with UBS, a world leading fund manager. These are held in a segregated clients custody account

When you place orders before 10:30am in EUR, USD and GBP Cash Funds these are settled on the same day, giving you the opportunity to earn interest and access your money immediately.

Transactions in other currencies are settled within typically 2-3 working days.

Cash Funds (also known as Money Market Funds) are classified as one the safest on the investment spectrum, aside from that money entrusted with Calamatta Cuschieri is additonally covered by the Maltese Investor Compensation Scheme.

Your money will be invested in a UBS Money Market Funds which are low volatility funds that banks and other large corporations commonly use to protect against inflation.

Your capital may be only at risk in the unlikely event of the NAV of the fund reducing, the APY turning negative. However in this unlikely event, the variance is likely to be negligble.

If you prefer to speak to a financial advisor you may do so by contacting Calamatta Cuschieri

Cash funds invest in high-quality, low risk short-term debt securities such as government bonds, corporate bonds, and other cash-equivalent instruments. The goal is to preserve capital while providing liquidity and modest interest income returns.

When growing your wealth and managing your finances, Cash Funds are another smart tool that helps you to grow your money.  Here are some of the advantages of placing your money in with our UBS Cash Funds offering. 

• Liquidity – Access your funds quickly and manage your cashflow effortlessly, no ties, withdraw at any time. 

• Low risk – Cash Funds invest in high-quality, short-term instruments such as government securities that offer stability and minimal fluctuation 

• Daily returns – Benefit from daily compounding on your balance and earn an APY of up to 4.67%. Check the Moneybase platform for the latest figures. 

• Zero trading fees – Ensure every cent of your investment works for you, with no brokerage fees for Cash Fund transactions on Moneybase 

After transferring money to your moneybase account by sending a bank transfer to your Moneybase IBAN or by depositing via card, you can get started by clicking on the Invest Section on the Moneybase app or web platform, then click on “Discover” and then clicking on Cash Funds.

If you place your order before 10:30 am these will settle on the same day. You will receive an email confirmation once done.

EUR, GBP, USD, CHF and AUD. The minimum amount is 10 in each currency.

There is no difference between Cash Funds and Money Market Funds; they are essentially the same and simply different terminology used to describe the same product.

You can withdraw your funds any time you like, completely  free of charge.

To withdraw your money, click Portfolio, select the money market fund you wish to sell, enter the amount, and submit the order.

The cash value will be deposited to your account once the order is executed with interest pro-rata until the day you hold the units.

We aim to credit the funds to your account as fast as possible so that you can use them straight away and will do so on the same day if you place an order before 10:30 am

There are no buying and selling fees. We do NOT charge any annual servicing fees.

No!, we always pass on the FULL interest to all our clients and do not charge any service fees.

We always pass on the full “boosted rate”, to all our customers, no exceptions!

No Moneybase does not charge custody for holding any investments.

You can view these in your Moneybase portfolio at any time.

You will begin accumulating interest when your trade is executed. A confirmation via email will be sent.
You can monitor the increase over time, via your portfolio.

Yes, Calamatta Cuschieri Investment Services Ltd is a member of the Maltese Investor Compensation Scheme (“Scheme”). Money and instruments entrusted with us are covered under the Scheme in line with the Investor Compensation Scheme Regulations (S.L. 370.09).

APY stands for Annual Percentage Yield, which represents how much interest you would earn on an amount of money held for an entire year if the rate would remain constant.
The APY allows you to compare the rates of different accounts regardless of when and how they pay interest. For example, if you deposited €10,000 into a money market fund with an APY of 3%, this would mean you would have €10,001.64 on day 3, whilst earning interest on interest.

Day 1: €10,000

Day 2: €10,000 + (€10,000 X 3%/365) = €10,000.82

Day 3: €10,000.82 + (€10,000.82 X 3%/365) = €10,001.64

The APY of each currency fund changes on a daily basis.

The rate can go up or down depending on market conditions, rates tend to track central banks’ rates so for example if the European Central Bank increases rates, the APY for EUR of the Money Market fund would also increase.