Open or transfer your ISA

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Transfer your ISA or IFISA to Crowd2Fund

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.

12,829

Investors

£42,546,327

Invested

£6,273,631

Interest earned

4,380

Businesses

3 Steps to Transfer your ISA

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.

1

Create your free Crowd2Fund Account

Register your details and complete the investor onboarding questionnaire to create your account

2

Activate your IFISA and submit the transfer form

Input your NI number on the platform and complete the online IFISA transfer form

3

We handle the rest of the transfer process

We communicate with your current ISA manager to transfer your funds

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Crowd2Fund has recently received the prestigious MoneyNet award for being the Most Innovative P2P Platform.

We are also an authorised Innovative Finance ISA manager - with Crowd2Fund, investor returns are tax-free.

Sign-up now and start your ISA transfer for free

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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 circumstance.

Calculate your IFISA earnings

Use this calculator to estimate your tax-free earnings.

How much will I earn?

£
£

Estimated interest earned

£18,009

Estimated tax savings

£7,203

Estimated old ISA earnings

£3,202

Crowd2Fund fees

£764

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.

Why should I transfer my old ISA?

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.

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How the Crowd2Fund ISA works

Transfer an ISA FAQs

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.

There are no fees for activating an IFISA, for cancelling or transferring out at any time.

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.

Your IFISA won’t close when the tax year finishes. You will keep your savings on a tax-free basis for as long as you keep the money in your IFISA account. However, it will close if you do not subscribe that tax year.

You can email your ID to us or directly upload it into your account under "Account > Withdraw funds".

Recent Reviews

TO
star star star star star

Toni

30 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.

SA
star star star star star

Sam

2 Dec 2020

Superb

An excellent fund raising experience. Could highly recommend. Communication great from start to finish.

AS
star star star star star

Andy Swann

1 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.

MF
star star star star star

Mithra Fernando

3 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.

Risk warning

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.

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