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 ISA

Earn tax-free by investing in loans backed by UK property and businesses*

* Tax treatment depends on individual circumstances and may change.

Open an ISA

What is the IFISA?

The Innovative Finance ISA (IFISA) allows you to earn tax-free returns* by lending through peer-to-peer lending platforms such as Mustard. You may subscribe up to £20,000 in the current tax year and transfer your existing ISA and invest in a wide range of loans.

* Tax treatment depends on individual circumstances and may change. See ISA risk warnings here.

Register now
“The ‘innovative finance’ ISA is being hailed by some as the answer to years of miserable interest rates.”
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Am I eligible?

To open an IFISA account you need to:
  • Be resident in the UK for tax purposes
  • Have a National Insurance number
  • Be at least 18 years old

What are the benefits?

Tax-free investment of up to £20,000 this current tax year*

Choose the loans you invest in - all loans are secured by UK property

Receive monthly interest payments

No account fees

* Tax treatment depends on individual circumstances and may change.

As seen in
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How do I open an IFISA?

Open a Classic account

It's free and only takes a few minutes. Click here to register.

Activate your IFISA

By providing your National Insurance number and agreeing to the IFISA terms and conditions.

Deposit funds

Deposit quickly and easily by bank transfer, or transfer funds from an existing ISA.

Make investments

Choose loans and receive tax-free interest.

Questions about the IFISA?

Get in touch at [email protected] or call us on 020 8323 3150.