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Introducing our ultimate, zero fees, ISA account. It’s easy to open an ISA and in just a few minutes you can start investing.

Welcome to the new age of ISA investing

The Innovative Finance ISA is one of the 4 categories of ISA in the UK, sitting alongside the Cash ISA, Stocks and Shares ISA and the Lifetime ISA.

At Crowdstacker, we are a multi award-winning Innovative Finance ISA provider. Our ISA, is an exciting tax-efficient account, enabling you to earn inflation-beating fixed rates of interest between 5-7% p.a., all without paying tax or capital gains. What’s more, you don’t need to reinvest your interest to receive our great rates.

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

Our investments support a multitude of sectors including property, healthcare, hospitality, SME lending and asset leasing. All investments have the added benefit of creating jobs, helping stimulate the economy, and improving services and facilities. Some also offer a social or community benefit.

Zero investor fees - Across the financial services sector traditionally fees are charged to investors in a variety of ways and can include exit fees when withdrawing funds or servicing fees for arranging or managing investments. At Crowdstacker, we do things differently. We don’t charge our investors any fees. Our ethos is about helping you grow your ISA income and make the most of your hard earned money.

Personalise your ISA 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 ISA 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.

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 2018/2019 tax year and you’ll benefit from tax savings on any returns.

Add up to £20,000 before 6th April 2019 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.

The favourable tax treatment of ISAs is subject to change and is dependent on your individual circumstances.

Sit back and watch your ISA investments grow
- tax free

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

  1. 1. Open an ISA account
  2. 2. Choose your investment(s) to add to your ISA 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 ISA account as cash during or at the end of the investment term

Frequently asked questions

Find out more 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 2018/19. 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 ISA