Structured Deposit Plans
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.
From the 1st of December 2025, the scheme will provide for compensation of up to £120,000 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.
| Type | Title | Potential Return | Max Term | Counterparty | Product Type | Closing Date | ISA Transfer | Advised Only | View Plan | hf:doc_categories | hf:doc_tags |
|---|---|---|---|---|---|---|---|---|---|---|---|
| Structured deposit plans | Mariana Goldman Sachs FTSE 100 Deposit Kick Out – April 2026 – DUAL ISA ELIGIBLE | 5.60% for each year the Deposit runs, paid gross | 7-years, 1-week | Goldman Sachs International | Deposit Based | 17 April 2026 | 23 March 2026 | No | mariana-capital | growth-kick-out | |
| Structured deposit plans | MB Structured Investments US/Europe 3.5Y 90 Growth Deposit April 2026 – BA10442 | 22.15% Interest potential (6.328%pa) | 3.5-years, 3-weeks | Barclays Bank PLC | Deposit Based | 17 April 2026 | 27 March 2026 | No | mb-structural-investments | growth | |
| Structured deposit plans | MB Structured Investments UK/US 7Y Monthly 90 Income Kick Out Deposit (Y3) April 2026 – BA10438 | 0.5025% monthly Interest potential (6.03%pa) | 7-years, 3-weeks | Barclays Bank PLC | Deposit Based | 15 April 2026 | 25 March 2026 | No | mb-structural-investments | income-kick-out | |
| Structured deposit plans | Walker Crips UK Fixed Growth Deposit Plan (SAN128) | 22.50% (5.625% p.a.) return at maturity | 4 years | Santander UK plc | Deposit Based | 27 March 2026 | 10 March 2026 | Yes | walker-crips | growth | |
| Structured deposit plans | Walker Crips UK Step Down Kick-out Deposit Plan (SAN127) | 5% per annum | 5 years | Santander UK plc | Deposit Based | 27 March 2026 | 10 March 2026 | Yes | walker-crips | growth-kick-out | |
| Structured deposit plans | Walker Crips UK Defensive Growth Deposit Plan (SAN126) | 16.5% (5.5% p.a.) return at maturity | 3 years | Santander UK plc | Deposit Based | 27 March 2026 | 10 March 2026 | Yes | walker-crips | growth | |
| Structured deposit plans | hop 10Y Fixed Income Recallable Deposit Plan (SG28) | 1.125% per quarter (4.50% p.a.) | 10 Years | Societe Generale | Deposit Based | 19 March 2026 | 09 March 2026 | No | hop-investing | income-auto-call | |
| Structured deposit plans | IDAD Goldman Sachs Callable Growth Deposit Plan Issue 27 – April 2026 (DUAL ISA ELIGIBLE) | 8% p.a. (2% per quarter) | 6-years, 1-week | Goldman Sachs International | Deposit Based | 13 April 2026 | 30 March 2026 | Yes | idad | callable | |
| Structured deposit plans | IDAD Société Générale Transatlantic Titans Kick Out Deposit Plan Issue 3 – March 2026 | 10% per annum | 6 years, 1-week | Societe Generale | Deposit Based | 23 March 2026 | 09 March 2026 | No | idad | growth-kick-out | |
| Structured deposit plans | MB Structured Investments UK/Europe 6Y Annual Step Down to 85 Kick Out Deposit (Y2) March 2026 – BA10399 | 6.01% annual Interest potential | 6-years, 3-weeks | Barclays Bank PLC | Deposit Based | 19 March 2026 | 02 March 2026 | No | mb-structural-investments | growth-kick-out | |
| Structured deposit plans | MB Structured Investments UK 4Y Monthly Fixed Income Deposit March 2026 – BA10388 | 0.335% fixed monthly Interest (4.02%pa) | 4-years, 3-weeks | Barclays Bank PLC | Deposit Based | 16 March 2026 | 25 February 2026 | No | mb-structural-investments | fixed-income | |
| Structured deposit plans | MB Structured Investments UK 4Y 90 Consolation Growth Deposit March 2026 – BA10387 | 22.05% Maximum Interest (5.5125%pa), 5% Minimum Interest (1.25%pa) | 4-years, 3-weeks | Barclays Bank PLC | Deposit Based | 16 March 2026 | 25 February 2026 | No | mb-structural-investments | growth | |
| Structured deposit plans | MB Structured Investments UK 5Y Annual Step Down to 85 Kick Out Deposit (Y2) March 2026 – BA10386 | 5% annual Interest potential | 5-years, 3-weeks | Barclays Bank PLC | Deposit Based | 16 March 2026 | 25 February 2026 | No | mb-structural-investments | growth-kick-out | |
| Structured deposit plans | MB Structured Investments UK 3.5Y 90 Growth Deposit March 2026 – BA10385 | 19.80% Interest potential (5.657%pa) | 3.5-years, 3-weeks | Barclays Bank PLC | Deposit Based | 16 March 2026 | 25 February 2026 | No | mb-structural-investments | growth | |
| Structured deposit plans | MB Structured Investments UK 2Y 90 Growth Deposit March 2026 – BA10384 | 9.35% Interest potential (4.675%pa) | 2-years, 3-weeks | Barclays Bank PLC | Deposit Based | 16 March 2026 | 25 February 2026 | No | mb-structural-investments | growth | |
| Structured deposit plans | Arcus 6Y UK Defensive Growth Deposit Plan (RBC44) | 30% maximum (5% p.a.) dependent on the performance of the FTSE 100 Index | 6 years | Royal Bank of Canada | Deposit Based | 13 March 2026 | 03 March 2026 | Yes | arcus-partners-ar-ltd | growth | |
| Structured deposit plans | Arcus 6Y UK Defensive Growth Recallable Deposit Plan (SG25) | 1.5% per quarter (6% p.a.) if recalled early or 36% (6% p.a.) paid at maturity if not recalled | 6 years | Societe Generale | Deposit Based | 13 March 2026 | 03 March 2026 | Yes | arcus-partners-ar-ltd | callable | |
| Structured deposit plans | hop 10Y Fixed Growth Bonus Recallable Deposit Plan (SG27) | 7.15% p.a. if recalled early or 56.5% (5.65% p.a.) at maturity if not recalled | 10 Years | Societe Generale | Deposit Based | 20 March 2026 | 10 March 2026 | No | hop-investing | growth-auto-call | |
| Structured deposit plans | hop 7Y Fixed Growth Recallable Deposit Plan (SG26) | 4.85% p.a. paid when the plan matures | 7 Years | Societe Generale | Deposit Based | 20 March 2026 | 10 March 2026 | No | hop-investing | growth-auto-call |
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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. From the 1st of December 2025, the scheme will provide for compensation of up to £120,000 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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