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

Earn

4.0%

with our Max product.

Get started

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

FCA authorised and regulated

Over 82,000 investors

Over £3.5 billion invested since 2010

Over £148 million interest earned to date​

FCA authorised and regulated

Over 82,000 investors

Over £3.5 billion invested since 2010

Over £148 million interest earned to date​

How it works

We are a peer-to-peer platform that connects people who want to invest and earn better returns, with those who want to borrow with a quick response and competitive rates. By investing your money you enter within a credit agreement, that we would manage on your behalf. 

Smart
investors

You can earn more by investing in loans to creditworthy households and businesses.

Households
and businesses

Get a loan at competitive rates, with a simple application that does not affect your credit score. 

 

Peer-to-peer investing is becoming increasingly popular as it can provide returns that are higher than savings and more stable than stocks and shares.

 

 

Why investors choose RateSetter

Great returns, more stability 

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

Stay protected

You’re protected by the RateSetter Provision Fund, our buffer against poorly performing loans, which has a 100% track record since 2010.  Learn more

Easy to withdraw

We make withdrawing easy. Of course, instant access is not guaranteed but to date investors have released their investment within 24 hours on average.  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