Following the Covid-19 outbreak and the current economic environment, RateSetter announced on 4 May a temporary reduction in interest for the remainder of the year. During this time, investors will receive only 50% of their interest with the other 50% going to the Provision Fund, for the protection of all investors.  Also, since the outbreak, the time it is taking investors to release their investments is currently longer than normal. Further information is available here. 

Transfer your existing ISA to RateSetter

Earn tax-free returns with our flexible Innovative Finance ISA.

Capital at risk. No FSCS protection. 

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​

Why choose RateSetter?

  • Earn better returns than a Cash ISA and less complex than Stocks and Shares
  • Invest in our Access, Plus and Max products
  • Free to transfer your existing ISAs to RateSetter
  • Flexible to withdraw and reinvest your money within the tax year

What can I transfer?

You can transfer in any number of Cash ISAs, Stocks & Shares ISAs and other Innovative Finance ISAs. Transfers In from previous tax years don't affect your current annual £20,000 ISA allowance, and there is no limit on how much you can Transfer In. There is also no limit on the number of different ISAs you can transfer to us.

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

New customer

Register with RateSetter and open an ISA account.

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You have the option to transfer other ISAs as part of the account opening process.

New to our ISA

Login to your Everyday account and open an ISA.

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You have the option to transfer other ISAs as part of the account opening process.

ISA customer

Login to your RateSetter ISA account.

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Click on Transfer ISAs button on the left-hand menu.

Transfer an ISA

Complete your form online

Download, print and sign your transfer form

Send your completed form to us

How long does it take?

If you’re transferring from a Stocks & Shares ISA or other Innovative Finance ISA, you must transfer your investment in the form of cash. This means that you may have to sell out of any shares, bonds, loans etc and turn the investments into cash so that it may be transferred.

To avoid losing the ISA tax-free benefit wrapper you should avoid closing or withdrawing money from your existing ISAs with the intention of reinvesting it in your RateSetter ISA. Leave your other ISAs open with the balance in them and we’ll initiate the transfer on your behalf so that you retain your tax-free benefits.

Need some help?

If you're an existing RateSetter investor, or interested in investing with RateSetter through the RateSetter ISA and still have questions then contact us on:

  • Call

    020 3142 6226