Smart InterestTM

by WiseAlpha

Is your bank rate lower than inflation of 3.0%*?
Then you are losing money in real terms.
Time for something new.
*CPI at 14 November 2017

Smart InterestTM

Enter how much you want to invest below.

How long do you want your investment for? The longer your investment, the higher your percentage earnings.

1 year at 3.00% 7 years at 8.00%

0.00 %


01 Jan 2018


  • Smart Interest by WiseAlpha is a selection tool for WiseAlpha Investment bonds.
  • Proceeds are invested in corporate bonds of FTSE 350 size companies.
  • Minimum investment is £100 and the maximum is £5million.
  • Available to individual, corporate and SIPP account holders.
  • 100% track record: No investor has ever lost any of their funds with WiseAlpha Investments.
  • WiseAlpha Investment bonds are not covered by the Financial Services Compensation Scheme (FSCS). As these bonds are investments your capital may be at risk. Instant access not guaranteed.
  • No services fees applied to this product. An early redemption fee is applicable.
  • Read FAQs below, Summary Information Memorandum and Full Terms and Conditions .


These FAQs give you important information to help you to decide whether WiseAlpha Investment Bonds are right for you.
Smart InterestTM
Fixed Term 1 year 3 year 5 year 7 year
Maturity Interest (pa Gross) 3.00% 4.50% 6.00% 8.00%
Annual Interest (pa Gross) 3.00% 4.25% 5.50% 7.00%

Interest is calculated daily. We pay slightly higher rates of interest if you select your interest to be paid at Maturity.

For bonds selected to pay Maturity Interest we will credit the interest on the maturity of your bond. Interest is paid gross.

For bonds selected to pay Annual Interest we will credit the interest on each anniversary of your bond. Interest is paid gross.

As the interest rate is fixed, the interest rate cannot be changed over the term of the bond.

A deposit of £1,000 at the annual Gross rates for the different terms is shown below:

Fixed Term 1 Year 3 Year 5 Year 7 Year
Estimated balance after one year (Maturity Interest) £1030 £1045 £1060 £1080
Estimated balance after one year (Annual Interest) £1030 £1043 £1055 £1070

This is for illustrative purposes only. (This illustrative example assumes no withdrawals, no changes to the fixed interest rate over the period and interest is paid annually on a cleared deposit. Interest is rounded to the nearest pound. The illustrative example does not take into account the individual circumstances of a customer.)

You can only apply for this product online. Once your account is open, you can operate the account online through secure message, email or by telephone on +44 1983 220061. Minimum investment of £100. Maximum investment of £5,000,000. The account is only available to individuals who are 18 years of age or over.

Early withdrawal is at our discretion and we cannot guarantee that you will always be able to access your money although we will always try our best for you. This is because the loans and bonds we invest your money in are long-term investments and it may not always possible to sell them immediately to free up funds to redeem your bond. In the event that we do redeem your bond the you will also incur a cost. The ultimate annual interest rate you earn will be reduced to reflect the amount of time you actually ended up investing for and the rate that was applicable at the time you invested (for example, if you invested for a five year term but withdrew after a year, our system works out what you would have got had you invested for a year at the time of purchase and this is what you receive).

In addition, there is an Early Redemption charge of 2.50%.

To see what your final capital and interest returns would be in the event of confirming an early withdrawal you can click the cash-out button which will clearly layout the associated charges for withdrawing early before you confirm the cashout.

Investment carries risk and your capital may be at risk. WiseAlpha Investment bonds are different from bank deposits and they are not covered by the Financial Services Compensation Scheme (FSCS).

WiseAlpha Technologies Limited (FRN: 751087) is authorised and regulated by the Financial Conduct Authority in the UK.
WiseAlpha Technologies Limited is a company registered in England, with its registered office at Level 39, One Canada Square, Canary Wharf, London E14 5AB (Company No. 08967521).
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