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.
Investors do not have to declare income or gains from an ISA on their tax returns, unless the ISA subscription has been made void. Capital losses in respect of ISA investments are disregarded for the purposes of capital gains tax.
Investors can subscribe in each tax year to any of the following:
From 6 April 2024 investors have the flexibility to pay into the same type of ISA with different providers. All subscriptions must remain within the overall ISA subscription limit of £20,000
To be eligible to subscribe to an Innovative Finance ISA an investor must:
The process to open a Crowdstacker account is very easy. All you need are your bank account details and your National Insurance number to hand (if you are applying for an IFISA account).
You can apply for a Crowdstacker account in just a few simple steps online. Click the 'Open an Account’ button which you can find in the menu bar at the top of this web page.
It takes a few minutes to apply, and we do not charge investors any fees for opening or administering their accounts.
Crowdstacker is a Peer-to-Peer lending platform, which matches groups of lenders with companies that require loan finance.
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.
You can transfer from your Cash ISAs and Stocks and Shares ISAs into your Crowdstacker Innovative Finance ISA.
If you apply online for the Innovative Finance ISA you will be offered transfer forms during the online application process which will allow you to transfer from any existing ISAs to your new Innovative Finance ISA. You can also find transfer forms in the 'My Investments' area of your account.
If you would like us to send you transfer forms by post, please call us on 020 7118 7570.
From 6th April 2016, you can earn up to £1,000 of interest, dependent on your tax status, across Crowdstacker investments and other savings as part of your Personal Savings Allowance.
In the event a Lender passes away, during the term of an investment, the Borrower will pay the interest and the capital to Crowdstacker to hold, on behalf of the Lender, until such time as the executor of the will of the deceased instructs us to release the funds.
Your funds will be covered by the Financial Services Compensation Scheme (FSCS) while Crowdstacker holds your money, processes funds, and services your client account. Once your funds are lent to the borrower, the FSCS protection ends and the investment security package takes effect.