Why 90 Day Access?
If you want the possibility of accessing your money within a fixed time frame - our 90 Day Access Account offers you a higher target interest rate than our 30 Day Access Account, because you have to wait a bit longer for your money.
While we can’t guarantee how long it will take, in normal market conditions you will usually get access to your money 90 days after your request to withdraw it. Your funds could then be withdrawn from our platform or reinvested in another account – it’s up to you.
It’s important to remember that investment in peer-to-peer loans isn’t covered by the Financial Services Compensation Scheme and it’s not a bank account. Remember, your capital is at risk. Past performance does not guarantee future performance and your return may vary over time.
Gross target interest rate p.a.
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90 Day Access Account
Our accounts offer different interest rates and may differ slightly in terms of other features. If you’ve not invested with us before or it’s your first time using this account, we recommend you read our Key Account Information before continuing.
What's the target interest rate?
At the moment, it’s 5.75% a year (before tax and possible losses). The target interest rate can vary and is capped, which means you can’t earn more but you could earn less. When calculating interest rates you should always consider defaults and losses.
When can you take out your money?
In normal market conditions you can withdraw your money from this account with just 90 days’ notice – although access times can’t be guaranteed. To achieve this, we always aim to keep a level of cash within the account to fulfil any immediate withdrawal demand.
Does it have a discretionary Provision Fund?
Yes. There’s a separate discretionary Provision Fund to help cover any missed interest payment or capital losses, if any loans aren’t repaid. Find out more about its coverage here.
Who chooses which loans to invest in?
Our systems do based on your choice of investment account. Your money will be invested automatically across as many matching loans as possible to spread the risk, as long as there’s availability. This means you’ll get the maximum amount of diversification possible based on loan availability.
Are the loans secured?
Yes. All of our loans are secured against assets, with the vast majority secured against property or land. We may also take personal guarantees as extra security on top. You can see more details about the asset security taken here. Please note that asset security cannot guarantee that there will be no loss. Even with security, please remember that your capital is at risk.
Can this account be included in an Assetz Capital IFISA?
Yes, you can use your tax-free ISA allowance to invest. Or if you have previous years' ISAs, you can transfer them in part or in full. Read more about our IFISA here.