And thanks @sendu for running numbers, the Moneybox+ was buying products or services through their partners to earn rewards into your account.
So I actually had to spend in order to get it; though it was something I was using at the time anyway (food box delivery)
I can see how flat fees is ideal on large amounts, but I think Moneybox charges both a flat fee and a percentage so yes the only plus side is largely from all the additional gains via gov scheme and +
I guess I shall just leave it alone and wait for Freetrade LISA’s to come around and transfer it. I suspect Freetrade it will be just a flat fee? I’ll have to weigh it up at the time to see which costs more on this fairly modest amount in the LISA.
I put most my money into a LISA because I wanted to start working towards my future or the security of it, and withdrawing from a LISA is saying goodbye to large chunks of the earnings in it - so I know I wouldn’t ever touch it. But since beginning this with Moneybox I’ve solidified my stance on investing.
Put money in that would/could otherwise be disposable so that it doesn’t affect lifestyle heavily, then there’s no temptation to withdraw any of it and just let it do its thing. I’m confident about my solidarity to investing now, though, and I just want to add what I know I can afford to let go of in small chunks over time and forget about it.
Which is what I’ll continue to do.