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FAQs

Top frequently asked questions

Can I re-invest the interest earned in my IFISA?

Investors can reinvest their interest in any open investment on the platform without having to meet the normal minimum investment requirements. You can re-invest your interest and maintain the tax-free status of your money in your IFISA, and earn interest on your interest.

The minimum amount you can re-invest is £100, although you can Add funds to your account to meet this amount  if you do not have enough interest. To Add funds, log into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to IFISA account'. 

Here you will see the ‘Add funds’ button and you will be able to add funds via Bank Transfer or Debit Card. Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.

How do I fund my ISA?

Once your ISA application is complete and your account open, it can be funded in a number of ways. Firstly, log into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to IFISA account'. 

1. Here you will see the ‘Add funds’ button and you will be able to Add funds via Bank Transfer or Debit Card

2. Alternatively, select 'ISA transfers' to download an ISA transfer form  to request a transfer in from an existing ISA provider.

Is interest paid gross?

Interest paid on Loans, Bonds and Loan Notes are paid gross, so you would be responsible for the payment of any income tax due on the interest you receive through Crowdstacker.

I have opened a Crowdstacker Innovative Finance ISA, how do I now start lending to businesses?

To make a peer to peer investment go to 'Investments’ in the menu bar at the top of this page, choose the business that you wish to lend to via either bonds, loan notes or peer to peer loans and click 'Invest now'. On the next screen you will be asked to select "Which account would you like to hold this investment in?' You can select 'My IFISA Account'. You will then be able to continue with your order application.  Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.

How do I transfer funds to my Crowdstacker P2P Lending account?

Once your P2P application is complete and your account open, it can be funded by logging into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to P2P account'. 
Here you will see the ‘Add funds’ button and be able to top by via Bank Transfer or Debit Card.

How do I use my ISA funds to make an investment?

To make a peer to peer investment go to 'Investments’ in the menu bar at the top of this page, choose the business that you wish to lend to via either bonds, loan notes or peer to peer loans and click 'invest now'. On the next screen you will be asked to select "Which account would you like to hold this investment in?' You can select 'My IFISA Account'. You will then be able to continue with your order application.  Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.

Can I fund my ISA and make an investment application at the same time?

You need to have an available balance before making an investment. You can add funds to your ISA by firstly, logging into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to IFISA account'. Here you will see the ‘Add funds’ button and be able to top by via Bank Transfer or Debit Card.

Can I partially use my P2P or ISA balance to fund investments?

You can use your P2P or ISA balance to make an investment by choosing the peer to peer investment you would like. You click invest now and on the next screen you will be asked to select "Which account would you like to hold this investment in?' You can select 'My IFISA Account' or 'My P2P account'. Please note you will need to have an available balance to cover the full investment amount, OR you can 'Add funds' from this page.

What are the differences between Bonds and P2P Loans?

Interest paid on Bonds have to be paid net of a 20% withholding tax, however a borrower or issuer that has issued bonds or loan notes via an electronic platform does not have to deduct tax from interest payments made to lenders, so Crowdstacker investors are paid interest payments gross

Interest paid on P2P loans that are held in your P2P account are paid gross.

Can I re-invest the interest earned in my P2P account?

Investors can reinvest their interest in any open investment on the platform without having to meet the normal minimum investment requirements. 

The minimum amount you can re-invest is £100, although you can Add funds to your account to meet this amount  if you do not have enough interest. To Add funds, log into your account, go to ‘My Crowdstacker’ and ‘My Accounts’, and click on 'Go to P2P account'. 

Here you will see the ‘Add funds’ button and be able to top by via Bank Transfer or Debit Card. Please note that you will not be able to invest until you have an available balance on your account to cover the amount of your investment.