Structured Deposit Plans

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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.

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.

TypeTitlePotential ReturnMax TermCounterpartyProduct TypeClosing DateISA TransferAdvised OnlyView Planhf:doc_categorieshf:doc_tags
Structured deposit plansMariana M&G Equity Selection Fund Defensive Deposit Kick Out Plan – November 202610.30% for each year the Deposit Plan runs, paid gross.10-years, 2-weeksSociété GénéraleDeposit Based30 October 202614 October 2026No
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mariana-capitalgrowth-kick-out
Structured deposit plansArcus 6Y UK Defensive Growth Deposit Plan (RBC50)36.0% (6.0% p.a. equivalent); with minimum of 18.0% (3.0% p.a. equivalent) paid at maturity6 yearsRoyal Bank of CanadaDeposit Based28 October 202616 October 2026Yes
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arcus-partners-ar-ltdgrowth
Structured deposit plansHilbert Allegro Super Defensive Annual Autocall Deposit (October 2026 – Issue 11)9.0% for each year that has passed since the Start Date10 yearsSociete GeneraleDeposit Based15 October 202609 October 2026No
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hilbert-investment-solutionsgrowth-auto-call
Structured deposit plansIDAD Goldman Sachs FTSE Fixed Income Deposit Plan Issue 2 – October 20260.3917% per month (4.7004% p.a.)6-years, 1-weekGoldman Sachs InternationalDeposit Based23 October 202609 October 2026 No
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idadfixed-income
Structured deposit plansIDAD Goldman Sachs Callable Growth Deposit Plan Issue 30 – October 20268.0% p.a. (2% per quarter)6-years, 1-weekGoldman Sachs InternationalDeposit Based23 October 202609 October 2026 No
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idadcallable
Structured deposit plansIDAD RBC FTSE 100 Defensive Growth Deposit Plan Issue 3 – October 202616.05% (5.35% p.a. equivalent), paid at maturity3-years, 1-weekRoyal Bank of CanadaDeposit Based19 October 202605 October 2026Yes
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idadgrowth-kick-out
Structured deposit plansMB Structured Investments UK 4Y 90 Consolation Growth Deposit October 2026 – BA1093124% Maximum Interest (6%pa), 10% Minimum Interest (2.50%pa)4-years, 3-weeksBarclays Bank PLCDeposit Based21 October 202602 October 2026No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK/US 6Y Quarterly Step Down to 75 Kick Out Deposit (Y3) October 2026 – BA109291.6125% quarterly Interest potential (6.45%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based15 October 202628 September 2026No
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mb-structural-investmentsincome-kick-out
Structured deposit plansMB Structured Investments UK/Europe 6Y Quarterly Step Down to 80 Kick Out Deposit (Y3) Oct 2026 – BA109281.6875% quarterly Interest potential (6.75%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based15 October 202628 September 2026No
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mb-structural-investmentsincome-kick-out
Structured deposit plansMB Structured Investments US/Europe 6Y Quarterly Step Down to 85 Kick Out Deposit (Y3) Oct 2026 – BA109271.75% quarterly Interest potential (7%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based14 October 202625 September 2026No
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mb-structural-investmentsincome-kick-out
Structured deposit plansMB Structured Investments Japan 6Y Quarterly Step Down to 80 Kick Out Deposit (Y2) October 2026 – BA109261.6625% quarterly Interest potential (6.65%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based14 October 202625 September 2026No
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mb-structural-investmentsincome-kick-out
Structured deposit plansMB Structured Investments UK 6Y Monthly Fixed Income Deposit October 2026 – BA109250.4025% fixed monthly Interest (4.83%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based08 October 202621 September 2026No
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mb-structural-investmentsfixed-income
Structured deposit plansMB Structured Investments UK/US 7Y Monthly 80 Income Kick Out Deposit (Y3) October 2026 – BA109240.5125% monthly Interest potential (6.15%pa)7-years, 3-weeksBarclays Bank PLCDeposit Based08 October 202621 September 2026No
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mb-structural-investmentsincome-kick-out
Structured deposit plansMB Structured Investments UK 6Y 90 Consolation Growth Deposit October 2026 – BA1092336% Maximum Interest (6%pa), 25% Minimum Interest (4.166%pa)6-years, 3-weeksBarclays Bank PLCDeposit Based08 October 202621 September 2026No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 4Y Monthly Fixed Income Deposit October 2026 – BA109220.385% fixed monthly Interest (4.62%pa)4-years, 3-weeksBarclays Bank PLCDeposit Based08 October 202621 September 2026No
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mb-structural-investmentsfixed-income
Structured deposit plansMariana 3 Stock Semi-Annual Defensive Deposit Kick Out Plan – October 20264.25% for each six month period the Deposit Plan runs (8.50% p.a.)6-years, 2-weeksSociété GénéraleDeposit Based09 October 202623 September 2026No
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mariana-capitalgrowth-kick-out
Structured deposit plansIDAD Goldman Sachs Fixed Growth FTSE Deposit Plan Issue 3 – October 202635.15% (5.8533% p.a. equivalent), paid at maturity with a minimum return of of 17.00% (2.8333% p.a. equivalent)6-years, 1-weekGoldman Sachs InternationalDeposit Based05 October 202621 September 2026 No
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idadfixed-growth
Structured deposit plansWalker Crips UK Fixed Growth Deposit Plan (SAN151)25.0% (6.25% p.a. equivalent) and a minimum return of 12.50% (3.125% p.a. equivalent)4 yearsSantander UK plcDeposit Based02 October 2026 18 September 2026 Yes
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walker-cripsgrowth
Structured deposit plansWalker Crips UK Step Down Kick-out Deposit Plan (SAN150)5.75% p.a.5 yearsSantander UK plcDeposit Based02 October 2026 18 September 2026 Yes
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walker-cripsgrowth-kick-out
Structured deposit plansWalker Crips UK Defensive Growth Deposit Plan (SAN149)19.0% (6.333% p.a. equivalent)3 yearsSantander UK plcDeposit Based02 October 2026 18 September 2026 Yes
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walker-cripsgrowth
Structured deposit plansIDAD RBC FTSE 100 Defensive Step Down Kick Out Deposit Plan Issue 3 – October 20266.00% p.a.6-years, 2-weeksRoyal Bank of CanadaDeposit Based02 October 202618 September 2026Yes
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idadgrowth-kick-out
Structured deposit planshop 10Y Fixed Growth Bonus Recallable Deposit Plan (SG48)7.75% p.a. and a minimum return of 6.25% p.a. for each year that the plan has been in force, paid at maturity10 YearsSociete GeneraleDeposit Based08 October 202628 September 2026No
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hop-investingcallable
Structured deposit planshop 6Y Fixed Growth Recallable Deposit Plan (SG47)5.35% p.a. for each year that the plan has been in force, paid at maturity6 YearsSociete GeneraleDeposit Based08 October 202628 September 2026No
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hop-investingcallable
Structured deposit plansCauseway Securities UK 7 Year Callable Deposit Plan – September 2026 (GS-28)7.5 % p.a.7 yearsGoldman Sachs InternationalDeposit Based18 September 202604 September 2026No
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causeway-securitiescallable
Structured deposit plansMB Structured Investments UK 2.5Y 90 Growth Deposit October 2026 – BA1091414.60% Interest potential (5.84%pa)2.5-years, 3-weeksBarclays Bank PLCDeposit Based07 October 202618 September 2026No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 3.5Y 90 Growth Deposit October 2026 – BA1090621.90% Interest potential (6.257%pa)3.5-years, 3-weeksBarclays Bank PLCDeposit Based07 October 202618 September 2026No
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mb-structural-investmentsgrowth
Structured deposit plansMB Structured Investments UK 5Y Annual Step Down to 85 Kick Out Deposit (Y2) October 2026 – BA109055.40% annual Interest potential5-years, 3-weeksBarclays Bank PLCDeposit Based07 October 202618 September 2026No
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mb-structural-investmentsgrowth-kick-out
Structured deposit plansMB Structured Investments Europe 6Y Annual Step Down to 85 Kick Out Deposit (Y2) October 2026 – BA109045.90% annual Interest potential6-years, 3-weeksBarclays Bank PLCDeposit Based07 October 202618 September 2026No
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mb-structural-investmentsgrowth-kick-out
Structured deposit plansMariana Goldman Sachs FTSE 100 Deposit Kick Out – Option 2 – September 20267.00% for each year the Plan runs, paid gross6-years, 1-weekGoldman Sachs InternationalDeposit Based18 September 202602 September 2026Yes
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mariana-capitalgrowth-kick-out
Structured deposit plansMariana Goldman Sachs FTSE 100 Deposit Kick Out – Option 1 – September 20266.50% for each year the Plan runs, paid gross6-years, 1-weekGoldman Sachs InternationalDeposit Based18 September 202602 September 2026Yes
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mariana-capitalgrowth-kick-out
Structured deposit plansMB Structured Investments UK/Europe 7Y Monthly 80 Income Kick Out Deposit (Y3) September 2026 – BA108420.5025% monthly Interest potential (6.03%pa)7-years, 3-weeksBarclays Bank PLCDeposit Based25 September 202608 September 2026No
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mb-structural-investmentsincome-kick-out

Product Providers

Featured Structured Product Providers

Our ‘Featured Structured Product Provider’ profile pages highlight each star provider, the additional support and services available to investors, and their products.
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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. 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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