Help fight climate change and social inequality with our award-winning ethical IF ISA

  • Invest in businesses you believe in from £1,000
  • Set up a new IF ISA or transfer existing ISA funds

Simple, easy-to-use, ethical, tax free

  • Tax-free returns on your investment 
  • Withdraw earnings at any time or reinvest 

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What is an Innovative Finance ISA?

The Innovative Finance ISA or IF ISA was established in 2016 to enable investors to hold, tax-free, peer-to-peer loans, and other approved crowdfunded debt instruments, such as bonds.


Ethex offers its members the option of opening an IF ISA in which eligible investments can be held.


For more information on IF ISAs, download the Good With Money guide here.

How the Ethex IF ISA works



The Ethex IF ISA is designed to let you get the same tax-free benefits you’re used to from a traditional Cash or Stocks & Shares ISA but enables you to invest into our crowdfunded bonds issued by projects which are helping to tackle climate change, promote social equality and build resilient communities. 


This gives you the freedom to use your money to help businesses and organisations you believe in to grow while balancing the risk of this kind of investment with the tax-free returns on any interest earned within your IF ISA.

Read the Ethex IF ISA Terms & Conditions here.

Use your annual £20,000 ISA allowance



The new IF ISA allows you to subscribe up to £20,000 in the 2019/20 tax year. All returns are tax-free, meaning you have more to reinvest into projects that ‘do good’. You can use part, or all, of this year's ISA allowance to fund your Ethex IFISA.


*Tax-free status is individual and subject to changes in legislation. Please consult a tax professional if you are uncertain about your eligibility.

Transfer your existing ISAs



If you’ve already built up an ISA pot elsewhere, you can transfer it to an Ethex IF ISA, where it can start helping ethical businesses or organisations.


If you want to make a transfer, please email or phone us to request an ISA transfer form. Once the form is returned to us, we will handle the transfer process from your current provider and we’ll let you know once it is complete and your money is available to invest into eligible projects

Your capital is at risk when you invest, so never risk more than you can afford to lose. The price and value of some investments on Ethex fluctuates and you may get back less than the amount you invested. Past performance is no guarantee of future performance. If you are in any doubt you should consult a financial adviser.