New investor offer: £100 bonus when you invest £1,000+. Terms apply.

Make your money work harder

Tax-free earning

Invest through the RateSetter IF ISA tax-free ‘wrapper’.

Put your money to work 

Invest in a portfolio of loans to households and businesses.

Provision Fund protection 

A buffer against poorly performing loans with a 100% track record.

Start earning today

Rolling market

Total lending to date £2,941,819,369

Total interest returned to investors £118m

FCA regulated

Capital at risk. No FSCS protection. Instant access not guaranteed. Past performance is not an indicator of future results.

Investing with us

Everyday Account

  • Earn returns of 5.8%* 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.

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.

*5.8% annualised rate is the 30 day average on the 5 Year market on the 03/12/2018.

Better returns statement based on the current available highest paying Cash ISA rate on MoneySupermarket.com being 2.26% as of ​03/​12/​2018 versus RateSetter's 5 year market 30 day average of 5.8%.

How RateSetter works

Better-returns-with-RS-MOBILE-768w.png (2)

Exceptional track record

Sometimes borrowers miss a payment – it happens. We set up the Provision Fund as a buffer to reimburse investors, and whilst this is not a guarantee the Provision Fund has a 100% track record. To date £2.9 billion has been invested with every investor receiving back every penny of their capital and interest.

Choose one of our three markets

Its easy to put your money to work

375x146_3xicons.png