Cash Funds, also known as Money Market Funds, offer a smart way to grow your money through investments in UBS money market funds. While all investments carry some level of uncertainty, these funds are considered low-risk. Cash Funds typically provide higher returns than traditional savings accounts, with the flexibility of selling when you want, with no brokerage fees.

How do I start earning interest with a Cash Fund?

After transferring money to your Moneybase account by sending a bank transfer to your Moneybase IBAN, you can get started by clicking on the Invest Section on the Moneybase app or web platform, then clicking 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.

Yes, apart from being an ultra-low risk instrument, Cash Funds entrusted with us are covered under the Maltese Investor Compensation Scheme in line with the Investor Compensation Scheme Regulations and held directly with UBS.

Where does a Cash Fund invest?

Cash funds invest in high-quality, 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 returns.

Which currencies are available?

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

How do I withdraw money?

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. However, withdrawals may take a few business days to reach your account.

Are there any fees for Cash Funds?

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

Do you charge a service fee?

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

I have seen other offerings that have a concept of Boosted rates, Do you offer it?

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

How can I view my Cash Funds?

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

Money Market Funds are classified as one the safest on the investment spectrum, aside from that you are also covered by the Maltese Investor Compensation Scheme . Your money will be invested in a Money Market Fund which is a type of low volatility fund 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. Since the NAV can fluctuate, if you are unsure if this investment is suitable for you we encourage you to contact your investment advisor at Calamatta Cuschieri.

Are you a member of the Maltese investor compensation scheme?

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.

When will I start to receive interest?

You'll begin receiving APY when your trade is executed. A confirmation via email will be sent. You can monitor the increase over time, via your portfolio.

Does Moneybase charge custody fees?

No Moneybase does not charge custody for holding any investments.

What is the difference between Cash Funds and Money Market Funds?

There is no significant difference between Cash Funds and Money Market Funds ; they are essentially the same.

When is my money available after placing a Sell order?

Buy and Sell orders placed before 10:30am in EUR, USD and GBP Cash Funds 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.

Earn interest daily with Cash Funds

Grow your savings with Cash Funds, a low-risk, flexible and steady growth product that aim to preserve your capital while providing attractive interest returns.

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Available on iOS & Android

Grow your savings with Cash Funds, a low-risk, flexible and steady growth product that aim to preserve your capital while providing attractive interest returns.

app apple

app google

Available on iOS & Android

A safe and flexible way to earn interest

Earn interest daily and enjoy peace of mind knowing you can access your funds within the same-day whenever you need them, without any entry or exit costs. Cash Funds are classified as one of the safest on the investment spectrum, aside from that money entrusted with Calamatta Cuschieri is covered by the Maltese Investor Compensation Scheme.

Grow your savings

The most competitive product on the market

Zero entry and exit fees, all the interest is yours.

Our product has been designed to be one of the best available on the market. There are no "services fees" or "boosted rates", we pass on all the interest earned to our customers!

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160 Billion in Cash Funds

World leading asset management

As the world’s leading only truly global wealth manager, UBS provide its clients with an unparalleled investment offering and unmatched access to opportunities. UBS is one of the largest wealth management firms globally with USD 5.9 trillion in assets under management. Its global footprint, scale and broad geographic diversity combined with a boutique feel and relationship-focused culture is unparalleled.

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Moneybase Cash Funds: High-Yield Daily Interest for Your Idle Cash

This is KID and Factsheet on the instrument page on the Moneybase platform. You can locate Cash Funds on the Moneybase app by tapping on ‘Invest’ and ‘Discover’. You can also find the KIDs for the respective funds and also directly on the UBS website here

KID – UBS Money Market Fund EUR - Download
KID – UBS Money Market Fund USD - Download
KID – UBS Money Market Fund GBP - Download
KID – UBS Lux Money Market Fund CHF - Download
KID – UBS Lux Money Market Fund AUD - Download

*The APY (Annual Percentage Yield) is presented as of 22/06/2026 and based on information provided by the fund manager, UBS (IRI). 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 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. CCIS is a member of the Maltese Investor Compensation Scheme (“Scheme”). Instruments entrusted with us are covered under the Scheme in line with the Investor Compensation Scheme Regulations (S.L. 370.09).

Passported across Europe

Licensed by the MFSA. Visit our branches across Malta

Passported across Europe

Licensed by the MFSA. Visit our branches across Malta

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