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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.

Innovative Finance

You can open a new Crowdstacker ISA or transfer money into an existing Crowdstacker ISA to enjoy tax-free returns and no fees.

New rules from April 2024 mean you can pay into multiple ISAs in any tax year.

Open an IFISA

What could your ISA do for you?

Open a Crowdstacker Innovative Finance ISA to invest in any of the property investments featured on our platform with the potential to earn returns of up to 15% p.a. Just like all types of ISA there is no need to pay tax on income earned.

You can open a new Crowdstacker account to invest this year’s ISA allowance of up to £20,000. It is also easy to transfer in money from other ISAs that you have opened in the past. Just fill in a form, email it to us, and we will do the rest.

New tax rules introduced in April 2024 remove restrictions across all types of ISA, meaning you can pay into multiple ISAs, of any type at any time.

Tax treatment depends on your individual circumstances and may be subject to change.

Innovative Finance ISA

In 5 simple steps you can start earning interest tax-free
with the Crowdstacker IFISA

  1. 1. Open an IFISA account
  2. 2. Choose your investment(s) to add to your IFISA account
  3. 3. Receive interest monthly, quarterly, annually or at the end.
  4. 4. Withdraw interest as cash or reinvest your interest in new investments
  5. 5. Your original investment(s) are paid back to your IFISA account as cash during or at the end of the investment term

Tax treatment depends on your individual circumstances and may be subject to change.

What are the benefits?

If you’re thinking about investing in P2P loans, an IFISA could suit you. Add up to £20,000 in the tax year and you’ll benefit from tax savings on any returns.

We want you to make the most of your money so we don't charge you any fees at all.

Access articles and online tools.
Online access 24 hours a day 7 days a week to monitor and manage your money.
Be in control - you can choose exactly which businesses to lend to from those available on the platform.
Opening an account takes less than 5 minutes.
All you need is your National Insurance number and bank details to hand.

Tax treatment depends on your individual circumstances and may be subject to change.

Want to transfer your ISA to Crowdstacker to enjoy tax free returns and no platform fees?

It’s easy to move money between ISAs just follow our simple steps.

    1. Open a Crowdstacker IFISA account

    2. Deposit or transfer funds by filling in a simple form

    3. Let us do the rest

Tax treatment depends on your individual circumstances and may be subject to change.

Frequently asked questions

Find out all there is to know about the Crowdstacker Innovative Finance ISA (IFISA) account


There are 4 categories of ISA in the UK: Cash ISA, Stocks and Shares ISA, the Lifetime ISA and the Innovative Finance ISA. The Innovative Finance ISA (IFISA) is a tax-free account allowing individuals to hold Loan Notes, Peer to Peer (P2P) loans and Debentures.

Every UK adult is permitted to invest up to £20,000 tax-free in an ISA every tax year. It is possible to split this allowance across the different types of ISAs (the Lifetime ISA is subject to restrictions).

Ask us a question

If you can't find what you're looking for, ask us a question and we'll get back to you as soon as we can.

Ready to get started with IFISA
tax free investing?

Open an IFISA