How does investUP work?

Already know how it works?


1. Sign UP quickly

It takes less than two minutes to register with UP for free. Once we have completed a few legal checks, you can start lending across lots of different P2P sites.

3. Deposit money

Transfer money to your UP central balance securely with your debit card, or via bank transfer, then you can start lending. Your funds will be held in a secure segregated Barclays Bank account, which is regulated by the FCA.

4. Start bidding then wait and see

When you’ve moved your money into your P2P site accounts on UP, start finding and bidding on deals you like. Deals from some P2P sites can be invested in without moving money from your central balance.

'Countdown' deals collect bids over time. Some 'Countdown' deals operate a variable rate system where you can set the rate and bidding continues until time runs out, whereas others give you a fixed rate, which ends when the funds are raised. 'Buy now' deals instantly convert your bids into investments.

5. Bids become investments

If your bid is successful and any time limits have expired (Countdown), your bids will now become investments. Huzzah!

Once your bid becomes an investment, you can sit back, enjoy the view and start earning interest. Well done – in a few short steps, you’ve begun to build your portfolio. Remember though not all your loans will necessarily perform over their entire term. This is a risk you must be willing to take.

Want to get into the little details? Have a look at our Frequently Asked Questions

If you’re still looking for answers, please don’t hesitate to get in touch.

Learn about BERT-e, our lending robot

BERT-e is a new feature to UP. If you want to get involved in P2P, but don’t have the time to pick and choose each loan, then BERT-e may be perfect for you.

Designed for the armchair investor, BERT-e will automatically lend out your money to businesses. He’s super simple to set UP. All you need to do is select your risk appetite, your level of interest you want to be paid, and what P2P & crowdfunding sites and sectors you feel comfortable with. Then let BERT-e do the work. You can switch BERT-e off at any time.

BERT-e is part of both our crowdISA® and everyday accounts. He comes at no extra cost.

Do note that BERT-e does not cover share-based real estate investments (equity securities) or long-term loans (debt securities). These types of investments are FCA regulated and are not available as part of the BERT-e lending service.

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Learn about our crowdISA® (Coming soon)

The crowdISA account (coming soon) is something we are super proud of. Our crowdISA® is the only market-spanning ISA out there. If you want to lend money within the Innovative Finance ISA tax wrapper, but don’t want to just lend on one crowdfunding site, then our crowdISA® is for you.

Simply open UP your crowdISA® account, lend money either by using our automated Robo-lending tools, or pick and choose deals you like. Don’t forget using the crowdISA means you won't pay tax on your earnings. So, for example, if you earnt £100 in interest, you would take home £100.

Sign UP now to register your interest and we’ll let you know the very second our crowdISA® launches.

Learn about clubUP

We’re really excited about the launch of our new feature clubUP. Designed to put the crowd back into crowdfunding, clubUP is the home of our social platform. You can build your UP profile, invite your friends, comment on deal§s you like (or dislike), follow other investors and much much more.

The most exciting part of clubUP is that you now participate in crowd-league tables and move up or down the clubUP tables.

Of course privacy is key here. If you don’t want to be part of clubUP, simply adjust your privacy settings. clubUP is here to enrich your experience. Dip in, dip out – you’re always in complete control.