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Start earning tax-free returns on your investments

What is an ISA?

An Individual Savings Account, or ISA, is effectively a wrapper within which you can shelter savings, investments and interest from those investments from tax. There are currently four kinds of ISA available - Cash ISA, Stocks & Shares ISA, Lifetime ISA and Innovative Finance ISA. The Innovative Finance ISA (IFISA) was introduced by the UK Government in 2016, and enabled UK taxpayers (for the first time) to invest in bonds and enjoy tax-free returns.

If you're considering investing in a Tifosy bond, our Innovative Finance ISA could be right for you. To create and IFISA account couldn't be simpler and takes no more than a couple of minutes - all you need is your National Insurance number to hand. Once you've created your Tifosy IFISA, you can deposit, or transfer up to £20,000 every tax year. After that, all you need to do is decide which Tifosy bonds/professional sports clubs you'd like to invest in!

Start earning tax-free returns on your investments

  • Quick & easy online account setup
  • Tax-free returns on all investments made from your Tifosy IFISA
  • Deposit up to £20,000 each tax year
  • Transfer as much as you like from other ISAs with our simple transfer request process
  • Total control - you decide exactly which bonds you'd like to invest in and how you'd like to receive your interest and principal
  • 24/7 access to your IFISA account to monitor and manage your money

Want to know more?

How it works

Tifosy’s Innovative Finance ISA let’s you make the most of your investment. Through our simple online process, you could be ready to enjoy tax-free returns in no time. For any questions about our Innovative Finance ISA, email .

  1. Open an IFISA account

    All you need are your personal details and your National Insurance number - it's that simple.

  2. Deposit or transfer in

    Add up to £20,000 each year, or transfer in as much as you'd like from other ISAs you hold.

  3. Pick your investments

    Choose which investment(s) you'd like to make through your Tifosy IFISA account.

  4. Collect your interest

    Receive regular interest payments from your investments - without paying any income or capital gains tax.

  5. Withdraw or re-invest

    Have your initial investment and accrued interest paid to your Tifosy IFISA account at the end of the bond term (tax-free of course), which you can withdraw or reinvest to keep earning tax-free returns.


Below are the answers to some of our most commonly asked questions about IFISAs - from how they work to ongoing management. If you can't find the answer to your question, get in touch via the Live Chat or email us at .

For general inquiries, please contact


About ISAs

About ISAs

What is an Individual Savings Account (ISA)?

An ISA is an Individual Savings Account, effectively a 'wrapper' in which your savings and investments are exempt from taxation.

There are several different types of ISA available including Cash ISAs, Stocks and Shares ISAs, Innovative Finance ISAs, and Lifetime ISAs.

You can put money into one of each kind of ISA, up to a set aggregate limit (currently £20,000), each tax year. This limit is known as your ‘ISA allowance’. Any returns or gains made from money placed in an ISA are exempt from income and capital gains tax.

What is an Innovative Finance ISA?

Innovative Finance ISAs were introduced by the government in 2016 and allows individuals to use their annual ISA allowance to lend funds through investments such as Loan Based Crowdfunding or Peer-to-Peer (P2P) Lending and Crowdfunded Debt Securities. This means that you can invest in a Tifosy bond through an ISA.

What is the difference between a cash ISA, stocks & shares ISA and Innovative Finance ISA?

Cash ISAs can include savings in bank and building society accounts and some National Savings and Investments products. Stocks & Shares ISAs can include shares in companies, unit trusts and investment funds, corporate bonds and government bonds. Innovative Finance ISAs can include Peer-to-Peer Loans (loans that you give to other people or businesses without using a bank) and Crowdfunding Debentures (investing in a business by buying its debt). Bonds offered on the Tifosy platform fall into the latter category.

Who can setup an ISA?

You must be:

  • Aged 18 or over
  • Resident in the UK
  • A Crown servant (for example diplomatic or overseas civil service) or their spouse or civil partner if you don’t live in the UK
  • You may not hold an ISA with or on behalf of someone else

What is the annual ISA allowance?

The annual ISA allowance may change each tax year. The ISA allowance for 2024-25 tax year is £20,000. You may wish to learn more about your ISA allowance from the government website.

What is a tax year?

The tax year runs from 6th April one year to the 5th April the following year. For clarity, the 2024-25 tax year runs from the 6th April 2024 to the 5th of April 2025.

Setting up Tifosy ISA

Setting up Tifosy ISA

How can I setup a Tifosy IFISA?

To setup a Tifosy IFISA account, follow the entirely online process at, all you’ll need are your personal details (including your National Insurance number) to hand.

What information do you need to setup a Tifosy IFISA?

To set up your Tifosy ISA you will need your personal information including your address and National Insurance number. In order to make a deposit, you will require the details of your preferred payment method. If that is transferring from another ISA account, you would need to have the details of the account to hand.

Is there a cancellation period?

There is a 14-day cancellation period within which you have the right to cancel your account. If you cancel with the 14 calendar days, you will still be able to open an IFISA with us or another ISA provider. You will also have not used any of your current annual allowance. Once the 14-day cancellation period has passed, this will no longer apply and this would be included within your annual allowance.

Do I need to sign Terms & Conditions?

When setting up your Tifosy ISA account, you will be required to read through and accept special IFISA Terms and Conditions.

Using Tifosy ISA

Using Tifosy ISA

What is the benefit of making an investment through my Tifosy IFISA?

By investing in Tifosy bonds through an ISA, you are able to earn tax-free returns on your investments. You can deposit up to your annual allowance (£20,000) or transfer ISA wrapped funds into your Tifosy ISA and invest tax-free.

Will my Tifosy IFISA earn interest?

Uninvested cash funds in your Tifosy IFISA do not earn interest. However, should you invest those funds in Tifosy bonds, then they will begin to earn interest at the advertised rates.

Will I/my investments receive any protection?

Like all peer-to-peer lending platforms, we fall outside of the scope of the Financial Services Compensation Scheme (“FSCS”), though we are regulated by the Financial Conduct Authority (FCA). This means that, should a peer-to-peer lending platform fail for any reason, those investing (lending) directly via the platform would have no recourse to the FSCS. This is that case whether you invest via an IFISA or not.

How can I monitor my IFISA and investments?

You will be able to monitor the progress of your IFISA investments through the ‘IFISA‘ section of your Tifosy account profile.

Start earning tax-free returns on your investments

Open an ISA

Start earning tax-free returns on your investments

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