The world has moved 
on. Time your money
did too.

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4.0%

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

FCA authorised and regulated

Over 84,000 investors

Over £3.6 billion invested since 2010

Over £148 million interest earned to date​

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.

Become a RateSetter

Register and verify your account

Deposit funds via debit card or bank transfer

Invest in any of our products