Welcome to the new way of investing in Structured Deposits.

With an arrangement fee of just 0.5%* per investment, get the best rate in the UK.

We provide Structured Deposit Plans to both private and corporate investors on an advised and non-advised basis. This is the most affordable way of investing and, on average, our clients save over £300 per investment.

Potential return
45% return

A maximum four year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 45%, provided the FTSE 100 is higher than its starting level after 6 years (equivalent to 7.5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 45 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
25% return

A maximum six year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 25%, provided the FTSE 100 is higher than 75% of its initial index level after 6 years. Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 25 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
15% return

A maximum three year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 15%, provided the FTSE 100 is higher than its starting level after 3 years (equivalent to 5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 3 years (maximum)
Kick-out / Early maturity: No
Potential return: 15 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
10.5% return

A maximum three year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan aims to provide a return at maturity of 10.5%, provided the FTSE 100 is higher than 90% of its starting level after 3 years (equivalent to 3.5% per annum). Full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: FTSE 100 Index
Investment term: 3 years (maximum)
Kick-out / Early maturity: No
Potential return: 10.5 % return
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
6% per annum

A maximum six year structured deposit plan linked to the performance of the FTSE 100 Index. The Plan can mature at the end of years 3, 4, 5 or 6, paying a Gross Return equivalent to 6% per annum, with full return of initial deposit at maturity regardless of FTSE 100 performance.

Product type: Deposit Based
Investment type: Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 6 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
4.5% per annum

The FTSE 100 Defensive Kick-Out Deposit Plan provides potential for maturity at the end of years 3, 4, 5 or 6 with a fixed payment equal to 4.5% per annum if the FTSE 100 is above a reducing percentage of its starting level.

Product type: Deposit Based
Investment type: Growth/Kick-Out
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: Yes
Potential return: 4.5 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
3.5% per annum

A maximum six year income deposit plan linked to the performance of the FTSE 100 Index. The Plan is designed to repay your initial deposit and to make annual income payments of 3.5% per annum if the FTSE 100 is higher than 75% of its starting level on each Annual Anniversary Date.

Product type: Deposit Based
Investment type: Income
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 3.5 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
3.36% per annum

A maximum six year income deposit plan linked to the performance of the FTSE 100 Index. The Plan is designed to repay your initial deposit and to make monthly income payments of 0.28% per month if the FTSE 100 is higher than 75% of its starting level on each Monthly Anniversary Date (equal to 3.36% per annum).

Product type: Deposit Based
Investment type: Income
Market / index link: FTSE 100 Index
Investment term: 6 years (maximum)
Kick-out / Early maturity: No
Potential return: 3.36 % per annum
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the FTSE 100 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.

Potential return
1.75× any growth in EVEN 30

A maximum five year structured deposit plan linked to the performance of the EVEN 30 Index. The Plan aims to provide a return at maturity equal to 175% (1.75x) of any rise in the EVEN 30 after 5 years with no maximum return. Full return of initial deposit at maturity regardless of EVEN 30 performance.

Product type: Deposit Based
Investment type: Growth
Market / index link: EVEN 30 Index
Investment term: 5 years (maximum)
Kick-out / Early maturity: No
Potential return: 1.75 × any growth in EVEN 30
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A
Closing Date: 31 August 2018

CAPITAL AT RISK: The potential returns of this plan and repaying the money invested are linked to the level of the EVEN 30 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.

Important Information:
Structured Deposit Plans are products designed to return at least the initial amount deposited at the end of the product life. Structured Deposit Plans allow you to access stock market linked returns whilst protecting your capital. Eligible for the Financial Services Compensation Scheme (FSCS), but any returns will usually be dependent on the performance of an underlying asset, such as the FTSE 100 Index. Plans will aim to provide an income, or offer the potential for growth over a fixed term usually between 3 and 6 years. Our service offers you a selection of structured deposit plans from the UK's leading providers.

Because returns are based on the performance of an index or a commodity, you have the potential to achieve higher returns with Structured Deposits than you would with a regular savings account. It is possible for you not to receive any income or capital growth if the investment underperforms however, there is a very low risk that your initial investment will not be repaid in full. You will be unable to access your deposit during the term of the plan, which varies from 3 to 6 years, but your initial investment will be repaid in full at the term end. If for some reason the deposit taker goes bankrupt or similar and is therefore unable to repay your initial investment plus any returns, then depending on your individual circumstances you may be entitled to receive compensation from the Financial Services Compensation Scheme (FSCS).

Fees for Non-Advised Investments

All non-advised sales carry an arrangement fee of just 0.5% of your investment. This is the cheapest percentage fee you'll find online, and all designed to help you make the most of your money. Investments carry a minimum charge of £75 for private investors, and a minimum of £100 for corporate or pension investments.

Need advice choosing your Structured Product?

If you receive advice in the purchase of your Structured Product then this will incur a setup fee, but at just 1.5% this is lower than almost every other provider. Purchasing this way will ensure that you receive help and direction in choosing your plan, making it a good option for investors who are new to Structured Products. Advised investments carry a minimum charge of £300

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.

Find out more from our blog

At home, it seems we’re a little punch drunk in relation to the politics of the vote to leave and what it means.

With the UK’s main investment index breaking 7900 just a couple of weeks ago, volatility has returned, created by a number of factors, tariffs being one of them, dragging the indexes lower.

A new Structured Deposit FTSE 100 Kick-Out-Plan 78 has been launched today by Investec.  The plan offers the potential for maturity – at the end of 3, 4, 5 and 6 years with a payment equal to 6% per annum .