Sorry, you need to enable JavaScript to visit this website.

Don’t invest unless you’re prepared to lose money. This is a high risk investment. You may not be able to access your money easily and are unlikely to be protected if something goes wrong. Take 2 mins to learn more.


The Innovative Finance ISA IFISA is almost here. Crowdstacker peer to peer P2P platform

The new Innovative Finance ISA (IFISA)

16th February 2016

The Crowdstacker Innovative Finance ISA will launch on 6th April 2016 

Crowdstacker, has announced the details of its new Innovative Finance ISA (IFISA) that will be available to investors from this date.

The new IFISA is specifically designed for peer to peer investments, and you can invest today and hold your investment in a Crowdstacker IFISA once it launches. 

The IFISA will follow similar terms as other types of ISA. You can use your annual allowance of up to £15,240 (available to UK residents) across all three ISAs - cash ISA, Stocks & Shares ISA and an IFISA to invest in P2P.  

What is the Crowdstacker IFISA?
The Crowdstacker IFISA will enable investors to take advantage of earning tax-free interest on any of the investments featured on the platform (up to the specified limit).  

Currently, this includes Amicus, which is offering more than 6% over a three year term – more than twice the return from a current average cash ISA. (Cash ISAs in comparison to peer to peer are protected by the FSCS and by consequence offer lower risk).  

The table below illustrates the potential relative earnings for the full annual limit of £15,240 invested in a Crowdstacker IFISA against typical cash and tracker ISAs.  

Investment type


Value at end of first year

Typical cash ISA (1)



FTSE Tracker fund ISA(2)

- 7%


Amicus 12mth term



Amicus 18mth term



Amicus 36mth term



You could also build up your tax-free pot year upon year across your different ISAs, using the maximum available ISA allowance. So in year 1 (2016-17) you can save £15,240 without paying any tax on the interest received. In year 2, this could be compounded to over £30,000 by adding the additional annual limit, all sheltered from tax. Over time this could add up to quite a large pot of money all completely shielded from tax.

I’m interested, what can I do now?

If you would like to find out more information please click here.

Hold your Crowdstacker peer to peer investments in a Crowdstacker IFISA. Open an account here.

View available investments here.


(1) State of India Bank offering 2.6% on minimum £15,000 investment, correct as at 12noon on 16th February 2016 Money Saving Expert. Cash ISAs are protected by the FSCS and by consequence offer lower risk.

(2) FTSE fall of 7% over 2015 as quoted in Daily Mail article on 21st December 2015 This Is Money.