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.

Transfer an ISA