The world has moved
on. Time your money
did too.
FCA authorised and regulated
Over 84,000 investors
Over £3.6 billion invested since 2010
Over £148 million interest earned to date
Investing rewritten
RateSetter is a peer-to-peer investment platform that connects people who have money to invest with those who want to borrow it.
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
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
Everyday
Our most popular account, where the average investment has grown to £15,000 but you can start with as little as £10.
ISA
The same great rates as your Everyday account, but tax-free. You can even transfer your existing Cash or Stocks and Shares ISAs to RateSetter.
SIPP
You can also enjoy tax benefits by investing through a Self-Invested Personal Pension.
The important stuff
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.
FCA regulated
We are regulated and authorised by the Financial Conduct Authority.
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.
