How to invest on Abundance

Abundance is a fully online investment platform, and you can set up an account and start investing in just 5 minutes by following these steps.

Create an online Abundance account to get started. You'll need your name, email address, phone number and then set up a password.

You must be over the age of 18 and resident in the UK to invest with Abundance.

Unfortunately, US citizens cannot invest on Abundance, even if you are resident in the UK and hold dual citizenship.

You can choose to invest in either the open council investments (councils that are currently raising new investment) or through our secondary marketplace, where existing investors are selling investments from previous council loans.

Each open council investment will be open for a set period of time, but might close early if it reaches its funding target. You can invest from as little as £5 in an open investment and choose how much you want to invest.

For the marketplace, you can browse a range of loans from different councils. These loans are closed to further investment, but an existing investor may be looking to sell a particular loan. Each investor will be selling a specific amount and chooses the price they want to sell their investment for.

The terms of each council investments are set out in the Key Terms and Loan Conditions. The Key Terms sets out things like the rate of interest you will earn, how long the investment is for, and whether you are repaid in instalments or in one-lump sum at the end. The Loan Conditions are like the terms & conditions for the investment.

When you make your first investment, you'll be asked to choose a portfolio to hold it in. You can invest through an innovative finance ISA (IF ISA) for tax-free returns, or through a General (taxable) portfolio.

You can learn about the different types of portfolio we offer here.

You can choose how much you’d like to invest, from as little as £5, in any open investment.

You can choose to pay for your investment by open banking payment or bank transfer, or using money you already have in your Abundance account.

If you've chosen to pay by bank transfer or open banking payment, your investment will be reserved. Once we've received and processed your payment your investment will be automatically confirmed and will appear in your Abundance account.

You can learn more about depositing money to your account and the different payment methods here.

As with any investment, there are risks when investing on Abundance. Your invested capital is at risk and you could get back less than you invest. You should look to hold your investment for the long term. Any expected returns or projections shown are not guaranteed and past performance is not a reliable indicator of future results. The value of your investment can go down as well as up. In the case of our debentures and loans, they are illiquid and you may not be able to sell them if you need your money back earlier. Specific risks will apply to each type of investment on Abundance and you should carefully read the information provided on each investment. Tax treatment depends on your individual circumstances and may be subject to change in the future. Abundance’s service in relation to loans (council investments) is not covered by the Financial Services Compensation Scheme (FSCS).