Invest through the Downing Innovative Finance ISA in three easy steps


Open your IFISA

Complete your profile to set up your Downing IFISA


Add funds

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


Invest and earn returns tax free

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

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 Scheme deposit scheme.

Please remember, ISA tax advantages are subject to change and are subject to personal circumstances. Find out more about the Downing IFISA in the FAQs.

Open an IFISA now

** 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.

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.

Capital is at risk and returns are not guaranteed. These are fixed-term Bonds and are not readily realisable.

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.

Raised to date


Capital repaid to date


Interest paid to date


Bad debt to date