Innovative Finance ISA
An ISA specifically for direct investments delivering positive change
Don't invest unless you're prepared to lose all the money you invest. This is a high-risk investment and you are unlikely to be protected if something goes wrong.
Estimated reading time: 2 min
Due to the potential for losses, the Financial Conduct Authority (FCA) considers this investment to be high risk.
If you are interested in learning more about how to protect yourself, visit the FCA’s website here.
For further information about investment-based crowdfunding, visit the FCA’s website here.
An ISA specifically for direct investments delivering positive change
Open an IFISA and invest in organisations committed to delivering positive change through our crowdfunding platform.
Take me thereHis Majesty's Revenue and Customs (HMRC) ISA rules require you to make a declaration, when applying to open an ISA. This is to confirm that you are eligible to subscribe to your ISA.
If you haven't subscribed to your ISA for a whole tax year, then you need to declare your eligibility again and confirm that you haven't paid into another ISA of the same type in the current tax year. You will not be able to make any further deposits into your ISA until a new declaration is made.
You can make your declaration in Internet Banking. Go to 'Self Service’, ‘Account Settings’, ‘ISA Declaration Management’. Here you will be able to see the status of your ISA and if you need to declare your ISA the status will show as ‘Not declared’ - you can click on ‘Declare now’ to do this.
We will send a notification within the Triodos Mobile Banking App (in your ‘Feed’) and Internet Banking (in ‘Messages’) if you need to make a new ISA declaration.
If you have a cash ISA and don't have online access to your account, you'll need to complete and return an ISA declaration form to FREEPOST Triodos Bank. Download your Cash ISA declaration form.
Junior ISAs and Fixed Rate Cash ISAs do not need a new declaration to be made after the account is opened.
You can open a Triodos Innovative Finance ISA if you are resident in the UK for tax purposes and are over 18 years of age.
The Innovative Finance ISA (IFISA) is a type of ISA that allows you to receive the interest you earn on eligible crowdfunded investments tax-free.
Find out more about different types of ISA and how they work on the gov.uk website.
Only certain bond offers will be eligible. Share offers are not eligible for the IFISA. Bond offers that are eligible will be clearly marked on the crowdfunding platform and in the offer document and you will be given the option of investing either directly into the bond or through the IFISA when you apply.
Our different approach to banking means your money works harder - changing lives, protecting the environment and building strong communities.
Stories about the pioneering organisations we're helping to grow
Explore investment opportunities on our crowdfunding platform
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