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Introducing our zero fees ISA account. It’s easy to open an IFISA and in just a few minutes you can start investing with returns up to 7.25% p.a. When investing, capital is at risk. Tax treatment is subject to status.

A refreshingly different type of ISA

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.

Unlike the banks, you know exactly how your money is being used; you can select and lend money directly to a variety of UK businesses looking to expand, diversify or develop and hold these investments in your IFISA.

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. Some also offer a social or community benefit.

Zero investor fees - At Crowdstacker we don’t charge our investors any fees. Our ethos is about aiming to help you grow your ISA income and make the most of your hard earned money.

Personalise your IFISA income - We believe ISA investing should be flexible. You can select exactly how you want to receive your capital and interest. You can set your account to automatically manage your payments from retaining all your payments in your ISA pot, to paying your interest to your bank account.

Easy ISA transfers - It’s easy to transfer to us, simply apply online to open your IFISA account and during the application process, you can download a transfer form to request for your existing ISA provider to transfer your ISA to us.

As with any investing, your capital is at risk. Tax treatment depends on your individual circumstances and may be subject to change.

What are the benefits?

If you’re thinking about investing in bonds, loan notes or P2P loans, an Innovative Finance ISA could suit you. Add up to £20,000 in the 2019/2020 tax year and you’ll benefit from tax savings on any returns.

Add up to £20,000 before 6th April 2020 and pay no Income Tax and Capital Gains Tax.
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
  • Targeting fixed returns between 4% and 7.25% p.a.
  • Invest in businesses that suit your portfolio and desired level of risk

As with any investing, your capital is at risk if you lend to businesses.

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

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 2019/20. 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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tax free investing?

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