Structured Deposit Plans

View the latest Structured Deposit plans from the UK's best providers.

We provide Structured Deposit Plans to both private and corporate investors on an advised and non-advised basis. Straightforward, affordable and an arrangement fee of just 0.5%* per investment, (subject to the minimum fee of £75, non-advised) and 1.5% of the invested capital, (subject to the minimum advice fee of £300)

We can help you make the most of your money and where advice is taken ensure the product is suitable to meet your investment needs and goals.

Arcus 5Y UK Defensive Growth Deposit Plan (RBC37)

The Arcus 5Y UK Defensive Growth Deposit Plan (RBC37) is a 5 year investment offering Potential interest of 30.70% (6.140% p.a.) paid if the FTSE 100 closes at or above 90% of its Start Level at maturity. Otherwise, no interest is paid. This plan is only available on an Advised basis.

  • Closing Date: Jun 27, 2025
  • ISA Transfer: Jun 17, 2025
Don't forget the risks
  • Potential return: 30.7 % (6.140% p.a.)
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 5 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Arcus 6Y UK Defensive Growth Deposit Plan (RBC36)

The Arcus 6Y UK Defensive Growth Deposit Plan (RBC36) is a 6 year investment offering a Potential minimum interest of 15.25%, and a maximum interest of 30.50%, paid at maturity. The maximum interest is paid if the FTSE 100 closes at or above 80% of its Start Level on the Final Maturity Date. Otherwise, the minimum interest is paid. This plan is only available on an Advised basis.

  • Closing Date: Jun 20, 2025
  • ISA Transfer: Jun 10, 2025
Don't forget the risks
  • Potential return: 30.5 % maximum interest if FTSE 100 closes at or above 80% of Start Level at maturity
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 6 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Walker Crips UK Fixed Growth Deposit Plan (SAN081)

The Walker Crips UK Fixed Growth Deposit Plan (SAN081) is a four year investment offering a Potential return of 22% return at maturity, dependent on the performance of the Index.

  • Closing Date: Jun 13, 2025
  • ISA Transfer: May 30, 2025
Don't forget the risks
  • Potential return: 22 % return at maturity, dependent on the performance of the Index
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Santander UK plc
  • Investment term: 4 years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Mariana Goldman Sachs FTSE 100 Fixed Return Bonus Deposit - July 2025

The Mariana Goldman Sachs FTSE 100 Fixed Return Bonus Deposit - July 2025 is a five year, one week Deposit Plan based on the performance of the FTSE™ 100 Index, the Underlying Asset. The Deposit Plan is constructed to offer an Unconditional Fixed Return of 15% at maturity, regardless of the performance of the Underlying. In addition, the Deposit Plan offers a Potential Bonus Return of 10% payable at maturity providing the Closing Price of the Underlying is at or above 100% of the Start Level on the Maturity Date.

  • Closing Date: Jul 4, 2025
  • ISA Transfer: Jun 18, 2025
Don't forget the risks
  • Potential return: 15 % paid at maturity regardless of the performance of the Underlying, paid gross
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: FTSE 100 Index
  • Counterparty: Goldman Sachs International
  • Investment term: 5 - years, 1-week
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Hilbert Allegro Super Defensive Annual Autocall Plan - Issue 01 - July 2025

The Hilbert Allegro Super Defensive Annual Autocall Plan - Issue 01 - July 2025 is a maximum 10-year investment offering a Potential Fixed Interest Amount equal to 9.00% for each year that has passed since the Start Date.

  • Closing Date: Jul 8, 2025
  • ISA Transfer: Jul 1, 2025
Don't forget the risks
  • Potential return: 9 % for each year that has passed since the Start Date, paid when the Start Date
  • Product type: Deposit Based
  • Investment type: Growth/Auto-Call
  • Market / index link: EURO STOXX 50 and S&P 500
  • Counterparty: Societe Generale
  • Investment term: 10 -years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Causeway Securities US Memory Range Accrual Income Deposit Plan - June 2025

The Causeway Securities US Memory Range Accrual Income Deposit Plan - June 2025 is a 6-year investment with a Potential Investment Return of 7.50% p.a.

  • Closing Date: Jun 20, 2025
  • ISA Transfer: Jun 6, 2025
Don't forget the risks
  • Potential return: 7.5 % per annum
  • Product type: Deposit Based
  • Investment type: Growth
  • Market / index link: S&P 500 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 6 -years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

hop investing FTSE 100 EW45 Annual Kick Out Deposit Plan June 2025 - SO9888

The hop investing FTSE 100 EW45 Annual Kick Out Deposit Plan June 2025 - SO9888 is a maximum 10-years, 3-weeks investment offering a 7.50% annual Interest potential.

  • Closing Date: Jun 20, 2025
  • ISA Transfer: Jun 3, 2025
Don't forget the risks
  • Potential return: 7.5 % annual Interest potential.
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 EW45
  • Counterparty: Societe Generale
  • Investment term: 10 -years, 3-weeks
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

hop investing 10Y Annual Recallable Fixed Growth Deposit Plan June 2025 - SO9869

The hop investing 10Y Annual Recallable Fixed Growth Deposit Plan June 2025 - SO9869 is a maximum 10-years, 3-weeks investment offering 6.25% annual Interest.

  • Closing Date: Jun 24, 2025
  • ISA Transfer: Jun 5, 2025
Don't forget the risks
  • Potential return: 6.25 % annual Interest
  • Product type: Deposit Based
  • Investment type: Callable
  • Market / index link: N/A
  • Counterparty: Societe Generale
  • Investment term: 10 -years, 3-weeks
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Causeway Securities UK Step Down Kick-Out Deposit Plan - June 2025

The Causeway Securities UK Step Down Kick-Out Deposit Plan - June 2025 is a maximum 6-year investment offering a Potential Investment Return of 5.50% for each year the Plan has existed. This plan is only available on an Advised basis.

  • Closing Date: Jun 20, 2025
  • ISA Transfer: Jun 6, 2025
Don't forget the risks
  • Potential return: 5.5 % for each year the plan has existed
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Royal Bank of Canada
  • Investment term: 6 -years
  • Kick-out / Early maturity: Yes
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Walker Crips UK 95% Annual Kick-out Deposit Plan (SAN080)

The Walker Crips UK 95% Annual Kick-out Deposit Plan (SAN080) is a maximum 6-year investment offering a Potential return of 5.25% per annum, dependent on the performance of the Index. This plan is only available on an Advised basis.

  • Closing Date: Jun 13, 2025
  • ISA Transfer: May 30, 2025
Don't forget the risks
  • Potential return: 5.25 % per annum, dependent on the performance of the Index
  • Product type: Deposit Based
  • Investment type: Growth/Kick-Out
  • Market / index link: FTSE 100 Index
  • Counterparty: Santander UK plc
  • Investment term: 6 -years
  • Kick-out / Early maturity: No
  • Barrier type: Not Applicable (Structured Deposit)
  • Barrier level: N/A
View plan

Product Providers



Don’t forget the risks

All investments carry risk. It is identifying those risks, understanding how they may affect an investment and assessing whether an investment is suitable for your circumstances that is important.

The potential returns of most structured products and repaying the money invested are usually linked to the level of a stock market index and also depend on the financial stability of the issuer and counterparty bank. You should only consider investing if you understand and accept the risk of losing some or all of any money invested.

You should always read the relevant plan brochure and any other plan documentation, for full details of a plan’s features, including any risks, and the terms and conditions. In addition to the plan brochure and terms and conditions there are other important documents, including a Key Information Document (‘KID’), that you should consider, before deciding to invest in a plan.

Structured products should only be considered as part of a diversified and balanced portfolio.

Below is a summary of some of the main risks usually associated with an investment in structured products plans:

Market risk to potential returns

Whether or not a plan generates the potential returns for investors usually depends on the closing level of the relevant index on the relevant dates for the plan, i.e. the kick-out anniversary dates for kick-out products; the early maturity dates and end dates for growth products; the annual income dates for income products.

If the index closes below the level needed, for the plan or plan options chosen, on all of the relevant dates, the plan or plan options will not generate a return.

Market risk to repayment of money invested in 'Capital-at-Risk' plans

If the closing level of the relevant index is below the level needed on all of the kick-out anniversary dates or early maturity dates, if relevant for the plan or plan options chosen, and on the end date, repaying the money invested at maturity will usually depend on the closing level of the index on the end date..

Different structured products use different types of protection barriers. Some products use barriers that are observed every day that can therefore be breached on any day during the investment term, while some products use barriers that are only observed at the end of the investment term and that cannot therefore be breached during the investment term.

Market risk to the repayment of money invested on the end date will depend on the type of barrier and its level.

For example, for a product with an end of term barrier, set at 60% of the start level, if the index for the plan closes at or above 60% of the start level, on the end date, money invested will be repaid in full (less any agreed adviser fees and withdrawals). However, if on the end date the index closes below 60% of the start level, the amount of money repaid (less any agreed adviser fees and withdrawals) will be reduced by the amount that the index has fallen. For example, if the index has fallen by 45%, the repayment of money invested will be reduced by 45% (meaning that investors will get 55% of their investment back).

'Protected' types of structured products

Some structured product plans are designed so that they are 100% protected from stock market risk at the end date.

It is important to understand that even if a structured product plan is designed with 100% protection from stock market risk, at the end date, it will still usually have issuer and counterparty bank risk. In other words, both the potential returns of the plan and repaying the money invested at the end date will depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Issuer and counterparty bank risk

Both the potential returns and repaying the money invested of most structured products depend on the financial stability of the issuer and counterparty bank. If the issuer and counterparty bank become insolvent, or similar, or fail to be able to meet their obligations, it is likely that investors will receive back less than they invested.

Financial Services Compensation Scheme ('FSCS') protection

It is important to understand that it is not usually possible to claim under the Financial Services Compensation Scheme if the issuer and counterparty bank fail to meet their obligations or if the stock market index that a plan links to falls.

Structured deposits

Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and also benefit from the protection of the Financial Services Compensation Scheme, if the bank or building society is a licensed UK deposit taker.

Structured Products Investor newsletter

We are also delighted to be able to introduce a new client newsletter, the Best Price FS Structured Products Investor, with the support of Tempo.

Contributing journalists will include the highly respected Financial Times ‘adventurous investor’ columnist, David Stevenson.

The first publication also features an article written by the global head of Tempo, Chris Taylor.

Want to stay up to date with the latest structured product news?