Your family wealth partner
Grow your wealth for generations to come – all in one place. From savings and investments to pensions, tax and inheritance, we bring your full financial life together to build a future that stands the test of time.
What are you looking to do?
Grow your wealth at zero cost
Take control of your financial future with access to 200+ funds with low to zero fees. This includes refunded 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.
START INVESTING TODAY
Earn more on your savings
Open your cash account in minutes and unlock 50+ market-leading savings products – including fixed-term, notice, and easy access – from 30+ trusted UK banks, all in one app.
Enjoy great rates all the time, FSCS protection on every product and the freedom to move your money effortlessly as your needs change.
Example rates are for illustrative purposes only and may vary.
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Access expert financial guidance
Get the level of financial support you need to make confident decisions around your family’s wealth, from retirement and tax planning to investments, inheritance and more.
Whether you’re navigating divorce, mortgages, insurance or legacy planning, our guidance is straightforward and always comes with transparent pricing.
Your first financial consultation is free.
BOOK FREE CONSULTATION
Capital at risk.
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
Trusted with £500m+ in assets
As featured in
Low or zero fees
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.
How we compare
Here's how Prosper stacks up against other providers. See what you're really paying.
£0 annual platform fee
On any portfolio size.
30+ ETFs with refunded fund fees
From the likes of BlackRock, Vanguard, and Fidelity. Low, varying charges on other funds.
Cash marketplace with 50+ products
Market-beating rates from trusted UK banks with FSCS protection.
Access to private markets
Only available to professional investors.
Pay-as-you-go financial guidance
First session FREE, then £200 per hour (VAT excluded).
No interest paid on uninvested cash
Or cash held in the Prosper Wallet.
£625 annual platform fee
On a £250,000 investment (0.25%). Reduced rates for higher balances.
Varying annual ongoing charges
Charges ranging from 0.31% to 0.50% for different funds.
Cash Savings Hub
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£1,125 annual platform fee
On a £250,000 investment.(0.45%). Reduced rates for higher balances.
Varying annual ongoing charges
Average 0.81% annual ongoing charge across the range of funds.
Access to multiple products from banking partners
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£179.88–£479.88 annual platform fee
On a £250,000 investment. Based on selected flat-fee plan: Plus (£14.99/mo) or Premium (£39.99/mo).
Varying annual ongoing charges
Charges ranging from 0.10% to 1.00%+ for different funds.
Access to Flagstone's cash deposit platform
No access to private markets
No access to financial guidance
Interest paid on uninvested cash
But they retain a portion.
£1,137 annual platform fee
On a £250,000 investment (0.45% + £12 subscription).
Varying annual ongoing charges
Charges ranging from 0.17% to 0.25%+ for different funds.
No savings marketplace
No access to private markets
Moneybox Aurora not yet available on all accounts
Interest paid on uninvested cash
But they retain a portion.
Sources: Prosper, AJ Bell, Hargreaves Lansdown, interactive investor, Moneybox, Unbiased.
Our accounts
PERSONAL PENSION
Retirement you control
Consolidate your pensions into one low-cost, transparent Self-Invested Personal Pension (SIPP).
MORE ABOUT PENSIONS
STOCKS & SHARES ISA
Tax-efficient growth
Invest in 200+ funds and ETFs with no platform fees. We’ll help you transfer your ISA, hassle-free.
MORE ABOUT ISAs
GENERAL INVESTMENT ACCOUNT (GIA)
Flexible investing
Maxed your tax-free allowances? Enjoy flexible, unlimited investing with a GIA. Capital gains tax and dividend tax is payable.
MORE ABOUT GIAs
CASH SAVINGS
Top-tier rates
Access 50+ FSCS-protected savings products — fixed-rate, notice, and easy access — from UK trusted banks with market-beating rates.
MORE ABOUT SAVINGS
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.
30+ ETFs with absolutely no fund fees
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.
Explore all funds
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!"
Tom Blomfield
CO-Founder and Former CEO Monzo
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