Get better returns, everyday

Your money helps someone else and that helps you.

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


Please note: the investment side of RateSetter closed on 2nd April 2021.
 All money was returned to investors’ Holding accounts from 2 April to 6 April, with no investment release fees applied.

Why investors choose RateSetter

Great returns, more stability 

At RateSetter you can earn interest every month – with returns that are higher than most savings accounts and more stable than stocks and shares.   Learn more

Provision Fund protection

You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans. Learn more  Learn more

Accessing your money

You can request to release your investments at any time. We will process any requests as soon as there are funds on the market to take over your investment. Instant access is not guaranteed. Learn more


The Provision Fund we offer does not give you a right to a payment so you may not receive a pay-out even if you suffer loss. The Fund has absolute discretion as to the amount that may be paid, including making no payment at all. Therefore, investors should not rely on possible pay-outs from the Provision Fund when considering whether or how much to invest.  Learn more

Choose the right product for you



Annualised rate


No fee to release your investment



Annualised rate


Release fee: 30 days' interest



Annualised rate


Release fee: 90 days' interest


What are the risks?

Capital at risk

As with any investment, your capital is at risk and the value of your investment may go up or down in value.

No FSCS protection

We can’t guarantee against future losses and we’re not part of the Financial Services Compensation Scheme.

And finally...

Our results to date are pretty awesome but we have to remind you that past performance is not an indicator of future results.