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FAQs

FAQs about my account

How do I change my bank details?

For security, in order for us to update your details we require a bank statement from you dated within 3 months, showing your name, address and new account details 

You can upload this at https://www.crowdstacker.com/account/private-uploads

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 top up your balance to meet this amount during the investment process if you do not have enough interest.

Why I am not receiving the account verification email?

Please check your junk mail or spam folder as this email can sometimes be sent there.

If you are still experiencing problems please email us at [email protected] from the email address you have used to set up your account.

The 'reset my password' link is not working, what can I do?

Please check your junk mail or spam folder as this email can sometimes be redirected there.

If you are having problems resetting your password please call us on 0207 118 7570. 

I am finding the website difficult to use and/or information difficult to understand?

At Crowdstacker we want to ensure that you get the service that is right for you. We are at hand to help you understand any of the information on the website and we have many methods such as paper applications and printed brochures that may be easier and more suited to how you digest information.

Please feel free to contact us on 020 7118 7570.

How do I sell my investment on the secondary market?

To sell your investment, log into your account and then go to ‘My account’ and ‘My investments’. You will see your peer to peer investments in either your peer to peer account and/or your ISA account. You will have the option to sell next to each active investment.

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 review screen, you will be given the option to ‘use your P2P or ISA balance’. 

If you do not have a sufficient balance to fund your investment, you will be given the option to make a bank transfer or debit card payment for the remaining amount. 

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

You can fund your ISA at the same time as making an investment. The investment will commence and start to earn interest from the commencement date (which can be found on our Investments page). Once you have logged in you would need to go to the investments tab at the top of the screen and choose the peer to peer investment you would like to hold in your ISA. You click ‘invest now’ and on the first screen on section 1.d you can select to hold this investment in your ISA.

On the review screen, you will be given the option to either make a bank transfer or debit card payment.

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

You can use your ISA balance to make an investment by choosing the peer to peer investment you would like to hold in your ISA. You click invest now and on the first screen on section 1.d you select the account where you would like to hold that investment. 
On the review screen, you will be given the option to ‘use your ISA balance’. If you do not have a sufficient balance to fund your investment, you will be given the option to make a bank transfer or debit card payment for the remaining amount. Please note that you will need to ensure any additional payments do not take you over your annual ISA limit.

What are AML checks?

Crowdstacker are required to verify your identity to prevent Money Laundering. In almost all cases verification can be done electronically. In certain circumstances, we will require a proof of address, proof of identity and bank statement to verify your identity, address and your bank account. You can securely upload scans of these documents at www.crowdstacker.com/account/private-uploads

If I open a new IFISA, can I put my existing P2P investments into it?

We have been in discussions with HMRC since the launch of the Innovative Finance ISA to work out a method of transferring your Peer to Peer investment to your Innovative Finance ISA. Although it is allowed, the solution is not easy for an investor. 

We would require you to fund your Innovative Finance ISA with an amount totaling the Investment Amount of the Peer to Peer investment you want to transfer. 
For more information, please contact us at 020 7118 7570.

Do you provide statements?

You can view your annual statements (and recent transactions) by going online to ‘My Account’ and ‘My Profile' and clicking on ’My statements'. Recent transactions are also accessible from your "My Investments" page.

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

You will be offered the ability to make a transfer via debit card or bank transfer at the same time as applying to invest in one of the peer to peer investments available.

To start lending to businesses click 'Investments’ in the menu bar at the top of this page and select the business you wish to make a peer to peer investment to. Once you have chosen a business click “Invest now” and follow the on screen instructions. You will be give the opportunity to make your investment via debit card or bank transfer.

Alternatively, once you have completed your first P2P investment, or if you already have an IFISA account you can go to ‘My Account’ and ‘My Investments’, and click on ‘Transfer Funds’. You will have the option to fund your P2P account via Debit Card or Bank Transfer.

How much Tax do I have to pay and is it deducted at the source of my investment?

Interest is paid on loans, bonds or loan notes held in your ISA account are paid gross and are tax-free subject to your tax status.

Interest paid on loans that are held in your P2P account are paid gross, so you would be responsible for the payment of any income tax due on interest you receive through Crowdstacker.

You should consult an independent advisor if you are unsure about your circumstance, which will vary from individual to individual. 

Can I edit my account details?

You can edit all of your details in the ‘My Account’ section by clicking 'My Profile' and 'Edit Account Settings'. 

If you need to edit your details on a loan, just email us at [email protected].

Can I change my username?

You can edit all of your details in the 'My Account' section of the website by clicking 'My Profile' and 'Edit Account Settings'.

What if I forget my password?

Click LOGIN at the top right of the web site, and click the forgot your password link. You will then be asked to enter your registered email address or username and then you will receive an email with instructions on how set a new password to your registered email address.

Can I operate more than one account?

You can only operate one account per person. However, if you wish to open a separate account for a company or SIPP and be the point of contact, this can be arranged. Just email [email protected].

How do I close my account?

If you do not have any outstanding loans to our borrowers, you can close your account at any time by emailing [email protected], stating your full name, and registered email address stating “please close my account”

If you have outstanding loans to our borrowers, you will need to wait until the loan term ends or transfer your loan to another member before closing the account. 

How do I transfer funds to my Crowdstacker Innovative Finance ISA account?

During the application process to open an Innovative Finance ISA you can add funds in the following way:

1)Transfer new funds via debit card or bank transfer. 

2) You can transfer funds from any existing cash ISAs or Stocks and Shares ISAs you may hold with other providers during your Innovative Finance ISA application by using our transfer forms which you can download during the application process, complete and return to us at Crowdstacker.

Once your Innovative Finance ISA account is open you can transfer funds in the following ways:

1) Make an investment to a business featured on the platform and add this to your IFISA account. To lend to a business click “Investments’ in the menu bar at the top of this page and select the business you wish to make an investment to. Once you have chosen a business click “Invest now” and follow the on screen instructions. You will be given the opportunity to add this investment to your Innovative Finance ISA account. You can invest via debit card or bank transfer.

2) You can download transfer application forms in the 'My Investments' area of your account to transfer funds from any existing cash ISAs or Stocks and Shares ISAs you may hold with other providers. You will need to complete and return the transfer forms to us at Crowdstacker. 

Will you keep my details confidential?

Yes, absolutely. We will never share your details for marketing purposes with any third party. We will only use your details to process your investment application(s), for the administration and management of your investments and for Crowdstacker to keep you up to date with the latest news.

Please see our privacy policy for more details.