You could lose all of your money invested in this product.
This is a high-risk investment and is much riskier than a savings account.
ISA eligibility does not guarantee returns or protect you from losses.

Put your money to work in a Downing IFISA and earn interest rates of 2.25-7% p.a. tax free

Banyers House, supported by the Hedderwick Pub Bond

What is an Innovative Finance ISA?

The Innovative Finance ISA (IFISA) allows you to invest in our bonds while keeping the tax advantages of traditional ISAs - an attractive prospect in the current low interest rate environment.

Open a Downing IFISA in three simple steps

1

Open

Open an IFISA online in 60 seconds

2

Fund

Transfer money from your bank or another ISA

3

Invest

Select bonds that suit you and earn tax-free interest

What am I investing in?

Downing Crowd is a community of investors lending money to UK businesses that own real assets such as care homes and solar farms.
Download guide

Five reasons to choose a Downing IFISA

  • Tax-free interest. The current average interest rate on Crowd Bonds is 5.34% 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.
  • Remember, Downing's monitoring fees are contingent on you getting your capital paid in full.

*weighted average interest rate of all investments made in the first 51 Bonds.

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

Need help? Call or chat to us

020 7416 7780 or click live chat below to talk to our customer service team in Cardiff. We’re on hand to help.

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Matthew O'Keefe Customer Services / Operations Manager