Earn an estimated 6 to 15% APR, before bad fees and debts on your existing ISA and support great British entrepreneurs at the same time. At Crowd2Fund we put you in control where you choose the businesses you invest in. By backing great British businesses you can beat inflation. We’ve made the transfer process easy, just register and complete the online transfer form and we’ll handle the rest.
You are able to easily transfer your Stocks and Shares ISA, IFISA or Cash ISA after you have registered and activated your IFISA with Crowd2Fund. This is done simply by adding your national insurance number to your account. After completing the online ISA transfer form, accessible from your portfolio page, our team will contact your previous ISA manager about the transfer and notify you when your funds arrive. Alternatively you can also complete the offline transfer form here.
Register your details and complete the investor onboarding questionnaire to create your account
Input your NI number on the platform and complete the online IFISA transfer form
We communicate with your current ISA manager to transfer your funds
Use this calculator to estimate your tax-free earnings.
Estimated interest earned
Estimated tax savings
Estimated old ISA earnings
Tax treatment of any of the investment offers will depend on the individual circumstances of each investor and you should speak to your advisor before making an investment. When making a peer-to-business loan, your capital lent to a borrower is not covered for compensation in the event of a loss by the Financial Services Compensation Scheme. This calculation is an estimate and actual returns may be higher or lower. This calculation is an estimate and actual returns may be higher or lower. It assumes that any reinvestments are re-invested immediately.
Earn higher potential returns, with 6 to 15% APR before fees and bad debts.
Protect yourself against your potential tax liability.
No middlemen means more interest for investors.
Invest your capital into the business you choose and help the wider UK economy grow.
Use our automated investing tool Smart-Invest to manage your investing automatically.
Get the transparency and protection you need with personal guarantees or debentures on the loans.
When your funds arrive, you will be notified and you can use the Smart-Invest feature to automatically deploy funds into campaigns that match your risk profile. Alternatively, you can select campaigns you choose to invest in from the opportunities page.
Often transfers are made from the old ISA managers using a cheque in the post. Sometimes this means the process can take up to three weeks for the funds to appear in your account.
The process can be speeded up if you call your old ISA manager and ask them to expedite the process. We’ll ensure you're kept informed on where the transfer process is.
You can withdraw funds from your Crowd2Fund IFISA account at any time.
This will remove the funds from your ISA wrapper, but if you replace them within the same tax year they will become part of your ISA wrapper again and your subscription for that year will not be affected.
You can potentially access your capital by selling an investment to another investor on the Exchange. You define your sale price and list your investment within the marketplace.
The IFISA is offering investors potentially higher returns of 6 to 15% APR, before fees and bad debts, in comparison to the old Cash ISAs which are between 1.44% to 2.12%.
In addition to the potentially higher returns, investors can also choose to support businesses they like, and this way of investing also helps the economy grow at the same time.
You are able to transfer your old Cash ISA to our IFISA and continue earning tax-free returns on the invested amounts on Crowd2Fund.
We can only accept Cash ISAs, or the cash that is in a Stocks and Shares ISA i.e. stocks and shares would need to be liquidated before the transfer can occur, or the investor would need to have free cash in the Stocks and Shares ISA already.
Past performance and forecasts are not reliable indicators of future results.
Your capital invested is not covered for compensation in the event of a loss by the FSCS.
Tax treatment will depend on the individual circumstances and may be subject to change.
You can open more than one IFISA but only subscribe to one IFISA per tax year.
You have subscribed to an IFISA if:
You have added new funds since activating an IFISA.
You added funds to an existing ISA this tax year and then transferred these ISA funds into an IFISA.
If you don’t subscribe to your IFISA within the tax year, i.e. if you don’t add new funds into your IFISA, it will automatically be cancelled at the end of the year.
The tax year runs from 6 April to 5 April.
There is no limit on the amount of existing ISAs you can transfer. However, you will need to complete a new form for each provider.
If you have Cash ISA savings that you have built up in previous tax years, you can transfer as much as you like, or as little as £10, to your IFISA. In tax year 2020/2021, you can subscribe up to £20,000 across your ISAs.
You can easily withdraw your funds from your IFISA whenever you like.
However, you should be aware that withdrawing funds will remove them from your ISA wrapper, but you can replace these funds within the same tax year without affecting your yearly subscription.
The form is easy to complete and asks for basic details including information about your old ISA provider and your authority for the transfer of funds.
We will need a copy of a valid photo ID for compliance purposes before you start investing.
Once we receive your completed ISA transfer form, we will send it to your old ISA manager to be processed. It should take around 15 days to be processed, but we will keep you updated on progress.
Your funds are not earning interest while in your account. In order to earn interest, you would need to make investments in loan-based campaigns that are IFISA eligible through your Crowd2Fund account.
You can email your ID to us or directly upload it into your account under "Account > Withdraw funds".
Toni30 Mar 2021
Great smart platform
You can pick and choose what small businesses you invest in. Businesses can engage with investors by providing rewards and establishing a closer relationship.
Sam2 Dec 2020
An excellent fund raising experience. Could highly recommend. Communication great from start to finish.
Andy Swann1 Dec 2020
Simple to raise finance
Decent platform that made it simple to raise finance for our growing business. Simple process, with a friendly team behind it and pleased to have a real connection with those who backed the loan.
Mithra Fernando3 Feb 2020
Knowledgeable, simple and easy to work with
We worked with Crowd2Fund on our first campaign and it was pretty simple and straightforward process. The Team, specially Russell was very knowledgeable and easy to work with.
Past performance and forecasts are not reliable indicators of future results. Your capital invested is not covered for compensation in the event of a loss by the FSCS. Tax treatment will depend on the individual circumstances and may be subject to change. Please see our Risk section before making an investment decision.