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Returns are better at RateSetter

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



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

Investing with us

The Everyday Account

  • Earn returns of 5.7%* 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.

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.

*5.7% annualised rate is the 30 day average on the 5 Year market on the 01/01/2019.

Better returns statement based on the current available highest paying Cash ISA rate on being 2.26% as of ​01/01/​2019 versus RateSetter's 5 year market 30 day average of 5.7%.

Investment options

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