Structured Deposit Plans

View the latest Structured Deposit plans from the UK’s best providers.
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Reviews and Ratings for Financial adviser Richard Harry, Swansea

A Structured Deposit combines some of the features of a fixed term deposit account with those of an investment product. In contrast to a fixed term deposit, the rate of return is dependent on the performance of one or more financial assets or market indices, such as the FTSE 100.  

Structured Deposits are designed to return investors’ original capital as a minimum at maturity provided funds are held for the full fixed term, and usually offer the protection of the Financial Services Compensation Scheme (FSCS) should the counterparty deposit taker become insolvent during the investment term.

The scheme provides for compensation of up to £85,000 per UK-eligible individual claimant per institution in the event of failure of a licensed counterparty bank or institution for the aggregated amount of all eligible deposits held with them.

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

TypeTitlePotential ReturnMax TermCounterpartyProduct TypeClosing DateISA TransferAdvised OnlyView Planhf:doc_categorieshf:doc_tags
Structured deposit plansMB Structured Investments UK/US 7Y Monthly 90 Income Kick Out Deposit (Y3) January 2026 – BA102400.50% monthly Interest potential (6%pa)7-years, 3-weeksBarclays Bank PLCDeposit Based07 January 202616 December 2025No
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mb-structural-investmentsincome-kick-out
Structured deposit plansIDAD RBC FTSE Defensive Kick Out Deposit Plan Issue 3 – January 20265.55% per annum8-years, 2-weeksRoyal Bank of CanadaDeposit Based24 December 202510 December 2025Yes
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idadgrowth-kick-out
Structured deposit plansArcus 10Y Fixed Growth Bonus Recallable Deposit Plan (SG18)7% p.a. for each year that’s passed since the Start Date or 5.5% p.a. if the plan runs for the full term10-yearsSociete GeneraleDeposit Based12 December 202502 December 2025No
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arcus-partners-ar-ltdcallable
Structured deposit plansArcus 6Y Fixed Growth Recallable Deposit Plan (SG17)4.55% p.a. for each year that’s passed since the Start Date6-yearsSociete GeneraleDeposit Based12 December 202502 December 2025No
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arcus-partners-ar-ltdcallable
Structured deposit plansMB Structured Investments UK 4Y 100 Consolation Growth Deposit December 2025 – BA1020523.50% Interest potential (5.875%pa)4-years, 3-weeksBarclays Bank PLCDeposit Based08 December 202519 November 2025No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 5Y Annual Step Down to 85 Kick Out Deposit (Y2) December 2025 – BA102045.05% annual Interest potential5-years, 3-weeksBarclays Bank PLCDeposit Based08 December 202519 November 2025No
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mb-structural-investmentsgrowth-kick-out
Structured deposit plansMB Structured Investments UK 3.5Y 90 Growth Deposit December 2025 – BA1020319.60% Interest potential (5.60%pa)3.5-years, 3-weeksBarclays Bank PLCDeposit Based08 December 202519 November 2025No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 2Y 95 Growth Deposit December 2025 – BA1020210.05% Interest potential (5.025%pa)2-years, 3-weeksBarclays Bank PLCDeposit Based08 December 202519 November 2025No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 4Y Monthly Fixed Income Deposit November 2025 – BA101820.3425% fixed monthly Interest (4.11%pa)4-years, 3-weeksBarclays Bank PLCDeposit Based20 November 202503 November 2025No
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mb-structural-investmentsfixed-income
Structured deposit plansMariana FTSE 3 Stock Deposit Kick Out Plan – December 20258.15% for each year the Deposit runs, paid gross6-years, 2-weeksSociete GeneraleDeposit Based05 December 202519 November 2025No
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mariana-capitalgrowth-kick-out
Structured deposit plansIDAD Goldman Sachs Callable Growth Deposit Plan Issue 25 – December 20258% p.a. (2% per quarter)6-years, 1-weekGoldman Sachs InternationalDeposit Based25 November 202511 November 2025Yes
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idadcallable
Structured deposit plansHilbert Allegro Super Defensive Annual Autocall Deposit Plan – Issue 04 – November 20259% for each year that has passed since the Start Date, paid when the Start Date10 yearsSociete GeneraleDeposit Based21 November 202517 November 2025No
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hilbert-investment-solutionsgrowth-auto-call
Structured deposit plansWalker Crips UK Fixed Growth Deposit Plan (SAN109)23% (5.75% p.a.) at the end of the Investment Term, dependent on the performance of the FTSE 100 Index4 yearsSantander UK plcDeposit Based28 November 202514 November 2025Yes
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walker-cripsgrowth
Structured deposit plansWalker Crips UK 95% Annual Kick-out Deposit Plan (SAN108)5.25% per annum, dependent on the performance of the FTSE 100 Index6 yearsSantander UK plcDeposit Based28 November 202514 November 2025Yes
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walker-cripsgrowth-kick-out
Structured deposit plansWalker Crips UK Step Down Kick-out Deposit Plan (SAN107)5% per annum, dependent on the performance of the FTSE 100 Index5 yearsSantander UK plcDeposit Based28 November 202514 November 2025Yes
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walker-cripsgrowth-kick-out
Structured deposit plansWalker Crips UK Defensive Growth Deposit Plan (SAN106)16.75% (5.5833% p.a.) return at maturity, dependent on the performance of the FTSE 100 Index3 yearsSantander UK plcDeposit Based28 November 202514 November 2025Yes
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walker-cripsgrowth
Structured deposit plansIDAD Soci̩t̩ G̩n̩rale Transatlantic Titans Kick Out Deposit Plan Issue 1 РNovember 202510% per annum6-years, 1-weekSoci̩t̩ G̩n̩raleDeposit Based14 November 202531 October 2025Yes
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idadgrowth-kick-out

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Featured Structured Product Providers

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Hilbert Issuer Counterparty Dataset Reports

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

Structured Deposit Plans are deposit-based and will usually be fully protected from stock market risk at the end date and will also benefit from the protection of the Financial Services Compensation Scheme (FSCS), if the counterparty bank or financial institution is a licensed UK deposit taker.

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.

Below is a summary of some of the main risks usually associated with an investment in Structured Deposit Plans:

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. 

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 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.

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.

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