The Downing Innovative Finance ISA

Invest in Crowd Bonds without being taxed on any interest you earn.

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Banyers House, supported by the Hedderwick Pub Bond

Capital is at risk and returns are not guaranteed. Crowd Bonds are non-readily realisable.
Please read the risk warning in the relevant offer documents before investing.

Invest through the Downing Innovative Finance ISA in three easy steps

Set up an Innovative Finance ISA (IFISA) step one

Open your IFISA

Complete your profile to set up your Downing IFISA

Set up an Innovative Finance ISA (IFISA) step two

Add funds

Fund your account by bank deposit or by transferring savings from your other ISAs

Set up an Innovative Finance ISA (IFISA) step three

Invest and earn returns tax free

Select the Crowd Bonds you wish to invest in and put your ISA to work

What is an Innovative Finance ISA?

The Innovative Finance ISA (IFISA) allows you to invest in Crowd Bonds while keeping the tax advantages of traditional ISAs - an attractive prospect in the current low interest rate environment, coupled with rising inflation.

With the annual ISA allowance now at £20,000, many investors are looking for ways to diversify their portfolio, and with Crowd Bonds offering on average 5.93% p.a.* this really sets the IFISA apart for savers and investors happy to take more risk.

The Innovative Finance ISA is not the same as a cash ISA, your capital is at risk and is not covered by the Financial Service Compensation deposit scheme. ISA tax advantages are subject to change and personal circumstances. Find out more.

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Download this simple guide to IFISAs by Good with Money.

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This document has been produced by Good With Money not Downing LLP (“Downing”). Downing does not take any responsibility for the contents of this document or any reliance placed on it.

Open a Downing IFISA today

  • Tax-free interest. The current average interest rate on Crowd Bonds is 5.93% p.a.*
  • Invest up to £20,000 this year or transfer as much cash as you like from previous ISA years.
  • It's free to open an IFISA and we won't charge you to transfer existing ISAs.**
  • Keep control: choose your own Bonds to invest in.

*weighted average interest rate of all investments made in the first 32 Bonds.

**some other ISA providers may charge penalties or fees for transferring money out – please check before you transfer.

Click here to see IFISA eligible Bonds
Open an IFISA now

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