Maximise your returns with a Ratesetter ISA.

At a glance

  • The 2019/20 tax year ISA allowance is £20,000 
  • You can grow the money in your ISA free from UK tax
  • You don't need to declare your ISA investments on your tax returns

Open your ISA

Capital at risk. No FSCS protection.

Tax-free earnings

Due to the tax advantages, the UK government sets a yearly limit on how much money you can put into your ISA. The 2019/20 tax year ISA allowance is £20,000 and will be the same amount for the 2019/20 tax year. You can split your allowance across a Cash ISA, Stocks & Shares ISA and Innovative Finance ISA.
 
You could be saving as much as £1,482 by investing in an Innovative Finance ISA compared to saving without an ISA:
 
Savings with Innovative Finance ISA (over 5 years):
Total contributed: £20,000
Projected return: 6.0%
Total growth: £6,765
 
Savings without ISA (over 5 years)
Total contributed: £20,000
Projected return: 6.0%
Total growth: £5,283

 

Easier tax returns

When you invest in an ISA you’re removing the burden of tax returns. ISAs protect you from tax, meaning there is no need to declare your ISA investments on your tax returns as long as it’s within your allowance for that year.

In its first year RateSetter customers have invested over £175m with our ISA and enjoyed an average tax-free return of 4.5%*.

And if you’re looking for even more simplicity with your finances the RateSetter IF ISA all you need to do is make your investment by debit card or choose our auto invest option and RateSetter does the rest, by matching your money with credit worthy loans. Past performance is not an indicator of future results. 
 
*4.5% annualised rate is the 30 day average on the RateSetter 1 Year market in January 2019. Please note that tax treatment depends on individual circumstances and may be subject to change in the future.

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