Your capital is at risk and investments are not covered by the Financial Services Compensation Scheme (FSCS).

Read our full Risk Warning

Your capital is at risk and investments are not covered by the Financial Services Compensation Scheme (FSCS).

Benefits of an IFISA

There are many potential benefits to investing in ISAs.

ISA Investments

Allow you to save up to £20,000 each year, before earnings are liable for tax (as an individual)*

Targeted returns

Estimated 8% APR return (projected) on average tax free before fees

Transfer your existing ISA

Your existing ISA can be transferred quickly and easily

Invest in what you decide

Build a diverse investment portfolio based on projects you want to support

*Tax status is individual: if you are unsure of your tax status, please consult with a tax professional.

Set up your IFISA in 3 steps


Register for free

1. Set up your IFISA

Add your National Insurance Number

2. Transfer your old ISA

Confirm your old ISA manager details

3. Make an informed decision and set up your innovative ISA

Investments made within an Innovative Finance ISA are not covered for compensation in the event of a loss by the Financial Services Compensation Scheme


What is an ISA?

An ISA (Individual Savings Account) is a “tax wrapper,“ a scheme allowing individuals to hold cash, shares, and unit trusts free of tax on dividends, interest, and capital gains.


What is an Innovative Finance ISA?

The UK Government introduced the Innovative Finance ISA ("IFISA") on 6th April 2016. The IFISA allows peer to peer loans and crowd bonds to be held in the ISA wrapper. Individuals can invest some (or all) of their annual ISA allowance to lend funds, whilst receiving tax-free interest and capital gains.


Is there a charge to open an Innovative Finance ISA account?

No, it's free to open our Innovative Finance ISA account.


Are there any fees if I choose to invest?

No. (Please be aware that your existing ISA provider may charge a fee to transfer out funds from an existing ISA account.)


What’s the minimum investment term?

5 years. After this term your money can be transferred / withdrawn by giving 3 months’ notice.


Can I transfer my existing ISA?

In order to transfer an existing ISA to the Intelligence Investments IFISA, you will first need to register as a member of Intelligence Investments. You may have some tax free savings in stocks and shares or even cash in earlier years. You can transfer all or some of these funds to an IFISA. You will need to provide your NI number with full details of the ISA(s) to transfer.


What is a crowd bond?

A crowd bond – sometimes called a mini-bond – is a debt based security listed on an FCA authorised crowdfunding platform. We work only with bond issuers whose teams are experienced specialists in their respective industries. We provide detailed and comprehensive investor information for all our managed issuances, enabling investors to make informed investment decisions.


Who is the IFISA manager?

Share In Ltd, who obtained ISA manager status from the Board of HM Revenue & Customs (HMRC) on 14th December 2016. Their HMRC reference number is Z1908 and they appear on the list of authorised ISA managers.


About IFISA bond investments 

Investing in an Intelligence Investments IFISA means you are acquiring bonds issued by a Special Purpose Vehicle, which will use your investment to complete the specific project as detailed in the associated Information Memorandum. You will not have any ownership in the entity issuing the bonds, but will benefit from security over the loans made. It is important to understand that the bond issuer is solely responsible for its financial status and, consequently, its ability to pay interest and return your capital when the bonds reach maturity. There is no guarantee of return on your investment.


How is my investment secured?

Whilst the Intelligence Investments Innovative Finance ISA is not protected by the Financial Services Compensation Scheme (FSCS), your money is protected by a legal charge secured against the borrower’s land/ property which can be possessed and sold in the event of the borrower not repaying. Investors should, however, be aware that investments of this nature are high risk and this means that some or all of their invested capital could be lost.