Prosper is the all-in-one app where your cash earns more and your investments cost less.
Seamlessly manage your cash and investments in one place, with access to 190+ funds and 50+ savings products offering up to 4.70% AER from trusted UK banks.
Capital is at risk. Investments can go down as well as up.
Take control of your financial future with access to 190+ funds with low to zero fees. We refund fund fees on 30+ ETFs from the likes of BlackRock, Vanguard, and Fidelity.
Invest through your personal pension, ISA, and/or General Investment Account (GIA) with hassle-free transfers.
Capital at risk. Uninvested cash doesn't earn interest.
Unlock 50+ market-leading savings products — fixed-term, notice, and easy access — from trusted UK banks in one single app.
Get the best available rates with FSCS protection and move your money effortlesstly between products as your needs change.
Example rates shown are for illustrative purposes only and may vary.
Prosper uses SECCL as the custodian to hold your investment assets which is regulated by the FCA and wholly owned by Octopus Group
Prosper is authorised and regulated by the Financial Conduct Authority under registration number 991710
The banks we use for your cash savings products are part of the Financial Services Compensation Scheme
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We believe fees shouldn't eat into your returns. That's why we use scalable tech and industry relationships to offer cost-effective investment, savings, and pension products.
We retain interest on cash left uninvested in investment products and any cash held in your Prosper Wallet. We also may receive a share of the interest paid by the bank on each savings product, but the rate you see is the rate you get.
Here's how Prosper stacks up against other providers. See what you're really paying.
Annual platform fee on a £250,000 investment
Fund fees
Set by the asset managers
In-app cash marketplace
Multiple banks and accounts
Private markets
These investments are high risk. You should be prepared to lose all the money you invest.
Pay-as-you-go financial guidance
Interest paid on uninvested cash
Free
Refunded fund fees on over 30 ETFs from top asset managers, including BlackRock, Vanguard, and Fidelity.
£625
0.25%. Reduced rates for higher balances.
Annual ongoing charges ranging from 0.31% to 0.50% for different funds.
£1,125
0.45%. Reduced rates for higher balances.
Average ongoing charge figure of 0.81% on funds.
£240
Flat monthly fee of £19.99 for Super Investor plan.
Access to different investments with varying fund fees.
Sources: Prosper, AJ Bell, Hargreaves Lansdown, interactive investor, Unbiased.
Consolidate your pensions into one low-cost, transparent Self-Invested Personal Pension (SIPP).
Invest in 190+ funds and ETFs with no platform fees. We’ll help you transfer your ISA, hassle-free.
Maxed your tax-free allowances? Enjoy flexible, unlimited investing with a GIA. Capital gains tax and dividend tax is payable.
Access 50+ FSCS-protected savings products — fixed-rate, notice, and easy access — from UK trusted banks with market-beating rates.
ISA and SIPP eligibility and tax rules apply. Tax relief depends on personal circumstances and current rules can change.
We currently don’t offer annuity or support drawdowns at Prosper, or for individuals who have already made withdrawals from a pension, but we’re working on it.
Before transferring your pension, make sure to check for exit fees, lost benefits, employer contributions and compare charges. Transfers can be beneficial, but there’s no guarantee you’ll be better off.
When you invest your capital is at risk.
We are the only business we know that refunds the fees on over 30 funds from the best known asset managers around the world.
We bring you a curated selection of sectors, categories, geographies and currencies to create the portfolio to match your needs and interests.
Investments can go down as well as up.
"Like Monzo, Prosper is a customer champion brand shaking up the wealth industry. It’s only the beginning but I’m excited to help more people prosper!"
