Minimum investment amount £3000
The Arcus 6Y UK Defensive Growth Recallable Deposit Plan (SG31) is a 6 year investment offering Either 1.5% for each quarter that’s passed since the Start Date if the Recall Feature is triggered, or, 36% at maturity (6% p.a. equivalent) if the FTSE 100 closes at or above 85% of its Start Level.
Important: The closing date for applications by cheque is 22 April 2026 and by bank transfer is 24 April 2026.
The closing date for ISA transfer applications is 14 April 2026.
Product Literature And Forms
You should always read the relevant plan brochure and any other plan documentation, for full details of the 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 the plan.
If you do not fully understand the risks or are unsure as to the suitability of the investment, please contact us
How To Invest?
Applications for the Plan must be submitted via Best Price Financial Services and received by 5pm on 24 April 2026 for bank transfer applications.
The closing date for applications by cheque is 22 April 2026
The closing date for ISA transfer applications is 14 April 2026.
This will enable us to process your application and forward it on to the structured product provider.
1. Firstly, print off and complete our Appropriate Assessment Questionnaire. All applications require two proofs of identity – see the questionnaire for more information.
2. Next download, print and complete the application form available. Note that product applications will have multiple documents, so please choose the one relevant to you.
3.Place all completed documents – questionnaire, proofs of identity, application form and cheques for payment – in an envelope and post to:
Best Price Financial Services,
The Tythe Barn, 5 Eglwys Nunnydd,
Margam, Neath Port Talbot
SA13 2PS
Further Information
The Arcus 6Y UK Defensive Growth Recallable Deposit Plan (SG31) is a 6 year investment offering Either 1.5% for each quarter that’s passed since the Start Date if the Recall Feature is triggered, or, 36% at maturity (6% p.a. equivalent) if the FTSE 100 closes at or above 85% of its Start Level.
Potential Return: Either: A fixed interest of 1.5% for each quarter that’s passed since the Start Date (equivalent to 6% a year), paid if the Plan ends early due to the Recall Feature.
Or: If the Recall Feature is not triggered, a potential interest of 36%, paid at maturity. This will be paid if the Index closes at or above 85% of its Start Level on the Final Maturity Date. Otherwise, no interest is paid.
Repayment of your deposit: You will be repaid your Deposit in full when the Plan matures
This Plan is targeted at investors who are comfortable leaving their money invested for six years. They should be willing to risk receiving no interest and be flexible about when their deposit matures. Please see page 12 of the brochure (“Who is this Plan appropriate for?”) for more information.
Deposit Taker: Societe Generale, London Branch, London Branch
About Societe Generale, London Branch: Societe Generale is one of Europe’s leading financial service groups and a major player in the economy for over 150 years, supporting 30 million clients every day with 133,000 staff in 61 countries.
Societe Generale was established in the UK in 1871 as the group’s first international office outside France. Their expertise in the UK ranges from corporate and investment banking to private banking services, asset management, prime brokerage and clearing services. In 2021, they celebrated their 150th anniversary in the country, demonstrating and reaffirming their long-standing commitment to the UK.
To find out more, visit societegenerale.com.
What Are The Risks Of The Plan?
As with all forms of investment there are risks involved.
You must be prepared to leave your deposit invested for the full fixed term otherwise you may get back less than you put in
A standard cash deposit account will repay your deposit in full, regardless of when you withdraw. Structured deposits are different because their value during the fixed term depends on many factors including interest rates, the creditworthiness of the deposit-taker and any ups and downs in the value of the underlying asset or index to which the return is linked. You will get your money back plus the potential returns if you hold your deposit until maturity, but the amount you would get back if you needed to withdraw early may vary significantly and some structured deposit providers may also charge an exit fee for early withdrawal.
There is a risk that you will receive no return on your deposit
For example, if you are promised a return linked to how the stock market performs, and it falls during the fixed term, then your return could be zero (assuming there is no minimum return) so you will just get back your deposit. You must be comfortable that this is a risk you are willing to take, and that receiving no return at all would not cause you financial difficulties. You should also understand how returns are calculated over the period of the product and whether this is based on specific points in time or averaged over the whole term of the deposit.
Inflation could erode the value of your deposit
Inflation is the rise in the price of goods and services over time. It means that your money will be able to buy less in the future than it does today. If you were to put money in a structured deposit and there was high inflation over the fixed term, your deposit at the end of the term would be worth less than it was at the start of the term. Of course, this risk also applies to any savings or investment product that is not inflation-linked.
There are limits on how much you can claim under the Financial Services Compensation Scheme
Structured deposit plans are deposit-based and will usually be fully protected from stock market risk at the end date and benefit from the protection of the Financial Services Compensation Scheme, if the counterparty is a licensed UK deposit taker. The Financial Services Compensation Scheme (FSCS) is the UK’s deposit guarantee scheme. This provides for compensation of up to £85,000 per UK-eligible individual claimant per institution in the event of failure of the counterparty bank or institution for the aggregated amount of all eligible deposits held with them. Please refer to the individual plan brochure for details.
