Downing Bonds

Following a recent review of our services, and in light of continued tightening of regulations around the distribution of Bonds (specifically the classification of Bonds as speculative illiquid securities), we have made the difficult decision to not launch any new Bonds on the platform going forward. This will enable us to focus on managing and developing Downing’s broader suite of solutions.

Please be assured that this decision has no impact on the Bonds currently active. We will continue to manage all existing Bonds with the same care, diligence, and transparency that have always guided our approach.

To make a withdrawal, you will need to sign in to your account, select the portfolio you wish to withdraw funds from and select the "Withdraw" tab. Withdrawals are typically processed within 2 business days.

To initiate an ISA Transfer, you will need to complete an "ISA Transfer In" form with the provider you would like to transfer the funds to. They will then contact us on your behalf to arrange the safe transfer of your funds.

It can take up to 30 days to transfer an ISA, however we aim to complete them much sooner.

No. Funds withdrawn from the Downing IFISA cannot be re-deposited without affecting your annual ISA allowance.

Interest payment schedules vary per bond and can typically be found on the opening page of each offer document. If and when interest is paid, it will be credited back into your Downing Bonds account.

Interest is not guaranteed - these are high-risk investments, and you could lose some or all of the money you invest.

Downing receives a fee for arranging and managing bonds on the platform. This is paid by the borrower, meaning the rates of interest advertised is the rate investors should receive. Each offer document includes a page detailing the fees we receive for that bond and when they are due.

The arrangement or monitoring fee will vary depending on the company issuing the bond and the amount invested.

Downing acts as a security trustee. If the borrower defaults, we can step in and sell the assets on behalf of the bondholders. When Downing takes first charge over the assets, the bondholders will be paid out first, alongside any equal-ranking creditors. The security held on each asset will be detailed in the relevant offer documents.

Please note, capital and interest are not guaranteed. These are high risk products and investors should be prepared to lose all or some of the monies they invest.

To make a complaint, please visit our complaints page here.