New investor bonus: £50 bonus when you invest £500+. Terms apply.


Make today pay


With peer-to-peer lending you can invest in a portfolio of loans to households and businesses.

People like you have lent £3 billion and are earning interest every month, not a penny missed, thanks to our Provision Fund. Learn more.



Capital at risk. No FSCS protection. Instant access not guaranteed. 

Past performance is not an indicator of future results.

Choose today’s rate, or set your own

A rewarding investment

Earn a £50 bonus when you invest £500 or more for a year, or receive a £150 bonus when you invest £10,000 or more for a year.

Promotional terms apply.

Investing with us

The Everyday Account


  • Earn returns of up to 6.0%* by investing in a balanced portfolio of loans to individuals and businesses.

  • The Provision Fund provides a buffer against any poorly performing loans. Its 100% track record is market leading but doesn’t provide a guarantee.

  • 3 levels of access so you can choose the best fit for your needs and goals.

  • Your money can be put to work and earning within minutes.

*6.0% annualised rate is the 30 day average on the 5 Year market on the 01/02/2019.

The RateSetter IF ISA


  • All the benefits of the Everyday Account.

  • Returns are tax-free.

  • Transfer in ISAs from other providers to increase your returns.

  • Flexibility to withdraw and replace funds in the same tax year without affecting your ISA allowance.

How we look after your money


The key risk to our investors is increased borrower default rates. We seek to mitigate this risk through:

Underwriting excellence: Robust and thorough credit checks on all borrowers. We take a careful approach to lending and only lend to creditworthy borrowers.

Portfolio management: Lending is diversified across different borrower types and sectors.

The Provision Fund: Provides a buffer against poorly performing loans. The Provision Fund has a 100% track record, with every RateSetter investor receiving back every penny they expected, but this does not provide a guarantee.

It's easy to put your money to work