Put your money to work in a Downing IFISA and earn interest rates of 4-7% p.a. tax free

Banyers House, supported by the Hedderwick Pub Bond

Capital at risk and returns are not guaranteed. Crowd Bonds are not readily realisable and are not covered by the Financial Services Compensation Scheme (FSCS). You will need to choose which bonds to hold in your IFISA - returns can be earned tax free. Tax treatment depends on the individual circumstances of each investor.

Five reasons to choose a Downing IFISA

  • Tax-free interest. The current average interest rate on Crowd Bonds is 5.96% 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 contigent on you getting your capital and interest paid in full.

*weighted average interest rate of all investments made in the first 35 Bonds.

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

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.
Once you have opened and funded your IFISA, you can take your time to choose from three different types of bond. Bonds are issued throughout the year by a range of different businesses, allowing you to create your own tax-free investment portfolio, without being exposed to the stock market. For investors who like to keep control of their money and see how it is being used, these bonds may be appealing in the current low interest rate environment.
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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.

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 5.96% 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.

Open a Downing IFISA in three simple steps



Open an IFISA online in 60 seconds



Transfer money from your bank or another ISA



Select bonds that suit you and earn tax-free interest

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.

Matthew O'Keefe