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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.

  • Zero investor fees
  • Personalise your IFISA income
  • Easy ISA transfers
Open an IFISA

What could your Innovative Finance ISA do for you?

An Innovative Finance ISA, is an exciting tax-efficient account, enabling you to earn inflation-beating fixed rates of interest between 4% and 7.25% p.a., all without paying tax or capital gains.

Our investments support a multitude of sectors including property, healthcare, SME lending and asset leasing. Many investments have the added benefit of creating jobs, helping to stimulate the economy, and improving services and facilities.

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 quarterly or annually direct to your account
  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 Innovative Finance ISA could suit you. Add up to £20,000 in the 2023/2024 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.

  • Zero fees
  • Tax efficient investing
  • Online access 24-7
  • Fixed returns between 4% and 7.25% p.a.
  • Invest to suit your portfolio and level of risk

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 Bonds, 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 in 2023/24. It is possible to split this allowance across the different types of ISAs (the Lifetime ISA is subject to restrictions). But you cannot open more than one new ISA in each class in each tax year. (i.e. only ONE cash ISA and ONE Stocks and Shares ISA, ONE Lifetime ISA and ONE Innovative Finance ISA can be opened in each tax year). 

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Ready to get started with IFISA
tax free investing?

Open an IFISA