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 6Y UK Defensive Growth Deposit Plan (RBC40)

The Arcus 6Y UK Defensive Growth Deposit Plan (RBC40) is a 6 year investment offering a Potential minimum interest of 15%, and a maximum interest of 30%, 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.

Advised

Closing Date: Sep 19, 2025
ISA Transfer: Sep 9, 2025

Don't forget the risks

Potential return: 30 % 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

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.

Walker Crips UK Fixed Growth Deposit Plan (SAN093)

The Walker Crips UK Fixed Growth Deposit Plan (SAN093) is a four year investment offering a Potential return of 22.50% return at maturity, dependent on the performance of the Index.

Advised

Closing Date: Aug 29, 2025
ISA Transfer: Aug 15, 2025

Don't forget the risks

Potential return: 22.5 % 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

Walker Crips UK Defensive Growth Deposit Plan (SAN090)

The Walker Crips UK Defensive Growth Deposit Plan (SAN090) is a 3 year investment which provides the potential to receive 16.50% at maturity, dependent on the performance of the Index. This plan is only available on an Advised basis.

Advised

Closing Date: Aug 29, 2025
ISA Transfer: Aug 15, 2025

Don't forget the risks

Potential return: 16.5 % 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: 3 years
Kick-out / Early maturity: No
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

Arcus 6Y European Banks Recallable Deposit Plan (SG16)

The Arcus 6Y European Banks Recallable Deposit Plan (SG16) is a maximum 6 year investment offering a Potential interest of either 9% for each year that has passed since the Start Date if the Recall Feature is triggered, or, 60% at maturity if the EURO STOXX Banks Index closes at or above 95% of its Start Level. This plan is only available on an Advised basis.

Advised

Closing Date: Sep 19, 2025
ISA Transfer: Sep 9, 2025

Don't forget the risks

Potential return: 9 % for each year since Start Date
Product type: Deposit Based
Investment type: Callable
Market / index link: The EURO STOXX Banks Index
Counterparty: Societe Generale
Investment term: 6 -years
Kick-out / Early maturity: No
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

Mariana FTSE 3 Stock Deposit Kick Out Plan - September 2025

The Mariana FTSE 3 Stock Deposit Kick Out Plan - September 2025 is a maximum 6-years, 1-week investment offering a Potential Return of 8.25% for each year the Deposit Plan runs, paid gross.

Closing Date: Sep 5, 2025
ISA Transfer: Aug 19, 2025

Don't forget the risks

Potential return: 8.25 % for each year the Deposit runs, paid gross
Product type: Deposit Based
Investment type: Growth/Kick-Out
Market / index link: BP Plc, Vodafone Group PLC and GlaxoSmithKline PLC
Counterparty: Societe Generale
Investment term: 6 -years, 1-week
Kick-out / Early maturity: Yes
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

IDAD Goldman Sachs Callable Growth Deposit Plan Issue 24 - October 2025

The IDAD Goldman Sachs Callable Growth Deposit Plan Issue 24 - October 2025 is a 6 year 1 week Deposit Plan linked to the performance of the FTSE 100 Index. The Deposit Plan is constructed to offer a potential return of 8% per annum (2% per quarter) to the final Callable Observation Date if the Deposit Taker calls the investment early, or 300% participation in any growth of the FTSE 100 Index at maturity.

Advised

Closing Date: Oct 3, 2025
ISA Transfer: Sep 19, 2025

Don't forget the risks

Potential return: 8 % p.a. (2% per quarter)
Product type: Deposit Based
Investment type: Callable
Market / index link: FTSE 100 Index
Counterparty: Goldman Sachs International
Investment term: 6 -years, 2-weeks
Kick-out / Early maturity: No
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

hop investing Annual Recallable Early Bonus Growth Deposit Plan September 2025 - SO10014

The hop investing Annual Recallable Early Bonus Growth Deposit Plan September 2025 - SO10014 is a maximum 10-years, 3-weeks investment offering a 5.75% investment return plus 1.50% Early Bonus if Recalled early, for each year in force.

Closing Date: Sep 2, 2025
ISA Transfer: Aug 13, 2025

Don't forget the risks

Potential return: 5.75 % investment return plus 1.50% Early Bonus if Recalled early
Product type: Deposit Based
Investment type: Growth/Auto-Call
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

Walker Crips UK 95% Annual Kick-out Deposit Plan (SAN092)

The Walker Crips UK 95% Annual Kick-out Deposit Plan (SAN092) 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.

Advised

Closing Date: Aug 29, 2025
ISA Transfer: Aug 15, 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

IDAD RBC FTSE Defensive Kick Out Deposit Plan Issue 1 - September 2025

The IDAD RBC FTSE Defensive Kick Out Deposit Plan Issue 1 - September 2025 is a maximum 6 year 2 week investment offering an Interest Rate of 5.25% p.a. if on any annual Observation date, starting at year 3, the Underlying Index is at or above the relevant Kick Out Level. This plan is only available on an Advised basis.

Advised

Closing Date: Aug 29, 2025
ISA Transfer: Aug 15, 2025

Don't forget the risks

Potential return: 5.25 % per annum
Product type: Deposit Based
Investment type: Growth/Kick-Out
Market / index link: FTSE 100 Index
Counterparty: Royal Bank of Canada
Investment term: 6 years, 2 weeks
Kick-out / Early maturity: Yes
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

Walker Crips UK Step Down Kick-out Deposit Plan (SAN091)

The Walker Crips UK Step Down Kick-out Deposit Plan (SAN091) is a 5 year investment which provides the potential to receive an accumulated return of 5% p.a. and a potential kick-out from year 2 depending on the performance of the FTSE 100 Index. This plan is only available on an Advised basis.

Advised

Closing Date: Aug 29, 2025
ISA Transfer: Aug 15, 2025

Don't forget the risks

Potential return: 5 % 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: 5 years
Kick-out / Early maturity: Yes
Barrier type: Not Applicable (Structured Deposit)
Barrier level: N/A

View plan

hop investing 6Y Annual Recallable Fixed Growth Deposit Plan September 2025 - SO10016

The hop investing 6Y Annual Recallable Fixed Growth Deposit Plan September 2025 - SO10016 is a maximum 6-years, 3-weeks investment offering a 4.50% annual Growth.

Closing Date: Sep 2, 2025
ISA Transfer: Aug 13, 2025

Don't forget the risks

Potential return: 4.5 % annual Growth
Product type: Deposit Based
Investment type: Callable
Market / index link: N/A
Counterparty: Societe Generale
Investment term: 6 -years, 3-weeks
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.