Returns Are Better At RateSetter.

Start Earning Today.

Earn tax-free returns with our Innovative Finance ISA, or invest through our Everyday Account.



 5 Year Market Rate

Capital at risk, instant access not guaranteed. No FSCS protection.

Award Belt

Your ISA Could Do Better


The RateSetter IF ISA offers all the advantages of our Everyday Account in a tax-free wrapper. You’ll still benefit from the same Provision Fund, interest rates, markets and borrowers plus you’ll be earning gross returns.


  • Flexible ISA: You can withdraw and replace funds in the same tax year without affecting your ISA allowance.
  • A Balanced Portfolio: You can invest in the RateSetter Innovative Finance ISA alongside another ISA 
  • Provision Fund: protects investors by providing a buffer from poorly performing loans.**
  • Investment options to suit you: Invest in our Rolling, 1 Year and 5 Year market.


**The Provision Fund has a 100% track record, with every investor receiving back every penny they invested, but it does not provide a guarantee, so your capital and interest are at risk if the Provision Fund is depleted by increased borrower defaults.

Better returns statement based on 3 month average for 5 Year Market of 4.9% at 1 June 2018 versus a 1.06% Interest rate of UK monetary financial institutions sterling two year fixed rate cash ISA. Source: Bank of England 30 April 2018.

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