Get a variable
5.27%* on your cash

Put your cash to work without locking it away by investing in InvestEngine's Money Market ETFs

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*Capital at risk. Forecasts are not a reliable indicator of future performance. Returns aren’t guaranteed and may be subject to change. *Variable annual rates are correct as at 18/04/2024.

Take advantage of high interest rates

Don’t let your cash get eaten away by high inflation and a low interest account. With InvestEngine, you can get access to ‘Money Market ETFs’. These are low risk, flexible, easy-to-use funds that give your cash access to the SONIA rate – the average interest rate published by the Bank of England which currently stands at 5.19%.

How to invest in money market ETFs

Getting started is easy. To put your cash to work today, follow these steps:


Search for ‘money market’ in our ETF range


Choose from our money market ETFs (below)


Add one or both to your portfolio


Start investing

Both money market ETFs invest based on the SONIA rate – the average interest rate published by the Bank of England.

Ready to get going?

To start investing, you’ll need to open an account.

Open an account today

What are money market funds?

A money market fund is a type of fund that invests in debt securities which carry short maturities and minimal credit risk with the objective of giving you a higher return than cash.

These funds are typically made up of short-term debt from governments, banks, and companies with strong balance sheets and investment-grade credit ratings.

This means they offer more stable returns* compared to other bond funds. For more details on money market funds and why now is the time to consider them, take a look at our full explainer.

*As with all investing, your capital is at risk. The value of your portfolio can go down as well as up and you may get back less than you invest. Forecasts are not a reliable indicator of future performance.

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Why ETFs

Key reasons to invest with ETFs

Ultimate flexibility

Bought and sold on markets for seamless investing

Reduce risk

Money market ETFs are relatively stable, allowing you to mitigate risk

Zero stamp duty

ETFs are not subject to stamp duty in the UK

Very low fees

ETFs are subject to very low fees compared to other funds

Why InvestEngine


Zero ISA account fees
With InvestEngine, you pay no ISA account fees! Your only costs relate to the portfolio type you choose.

If you go for our commission‑free DIY portfolio service, all you pay is the costs of the exchange‑traded funds (ETFs) you invest in.

If you’d prefer one of our Managed portfolios, we charge 0.25% a year for managing the investments (ETF costs also apply). Read more about costs


The opportunity for higher returns
When you invest in money market fund ETFs with us, you'll have an InvestEngine stocks and shares ISA or GIA. This means you can also invest in over 550 other ETFs, giving you the opportunity to earn higher returns than from a Cash ISA.


Powerful tools to help you invest
Powerful tools and features to help you build and manage your portfolio, from effortless automated investing with Savings Plans, to at‑a‑glance breakdowns of the companies, sectors and geographies you’re invested in.


Transfer to InvestEngine for free
It’s easy to transfer your existing ISAs into an InvestEngine Stocks & Shares ISA. We don’t charge for ISA transfers (but you should check whether your existing ISA provider has exit fees). Click here to find out how

Start investing today

Click the button on the right to open an account and start investing in money market funds today!

Get started

Is it safe?

Money market funds are primarily made up of short-term UK government backed bonds. These are considered to be very low risk investments that are capable of providing stable returns. 

Money market fund ETFs, similarly, aim to track (or outperform) the SONIA rate and are also lower-risk investments. 

With InvestEngine, your investments are also covered by the FSCS, meaning that in the very unlikely event that anything were to happen to the company, your funds are protected up to £85,000.

When investing, your capital is at risk.

Why invest in ETFs?
How do ETFs work?
Are ETFs good for beginners?
What are the risks of ETF investing?
What does InvestEngine do?

Ready to invest?

Whether you are doing it yourself or leaving it to us - click 'get started' to build your portfolio

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