RateSetter IF ISA: the ISA in the middle.


The Innovative Finance ISA (IF ISA) is a new category of ISA, that sits between the traditional Cash ISA and Stocks & Shares ISA. It makes it possible to invest through peer-to-peer platforms such as RateSetter, tax-free. 

You can use your full £20,000 ISA allowance in our Innovative Finance ISA. Alternatively, you can split your investment between each type of ISA providing you stay within the overall £20,000 limit. Make sense? We think so.

So far, over £170 million has already been invested through our IF ISA.

RateSetter’s Innovative Finance ISA could help you increase your capital and further expand your finances in the long term. Tax-benefits are an advantage too, RateSetter ISA customers benefit from tax-free returns and average interest rates of 6.0% (annualised rate is the 30 day average on the 5 Year market in February 2019).

Please note that tax treatment depends on individual circumstances and may be subject to change in the future.

Capital at risk. No FSCS protection.