How our Innovative Finance ISA works

Our ISA is an Innovative Finance ISA (IF ISA) that lets you put your money to work growing your tax-free nest egg and the green economy.


It is easy to open an IF ISA with us

You can open an IF ISA today in just 5 minutes and it is a fully online process. Once your IF ISA is up and running you can fund it up to the maximum 2022/23 allowance of £20,000 straight away with a debit card or bank transfer, and then you’re ready to start investing.

You also have the option to transfer an ISA from another provider. You can learn more about the process for transferring your ISA to us in our help centre.

Help: Set up an IF ISA

Take control of your money

What makes our IF ISA different is that you choose every investment in it, and each investment goes directly into a project or business that is building a better world. This means you can create a portfolio across our sectors and investment lifestages that matches your financial goals with your vision for a more sustainable future.

How to build your portfolio with us

Investments you won’t find elsewhere

The Innovative Finance ISA (IF ISA) was introduced in 2016 to make it easier to invest tax free with a wider range of providers and into a greater range of businesses. It sits alongside your Cash and Stocks & Shares ISAs, giving the exact same tax-free benefits but with access to sectors and asset classes that aren’t correlated to the stock market.

Help: About the IF ISA

Manage your ISA your way

Our IF ISA is flexible. That means you can take cash out of it and, as long as you replace that cash in the same tax year, you won’t lose any of your tax-free ISA allowance. A flexible ISA can be helpful if you unexpectedly need access to some of your ISA money, but intend to replace it before the end of the tax year.

Help: Flexible ISAs