Banking, Saving & Investing

Offers on savings accounts, isas, current accounts and fixed term bonds change frequently and switching your bank account is easier than you might think. Start saving more money!

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Nationwide Flex-Direct

Get 5.00% AER on all balances up to £2,500 for 12 months providing you pay in £1,000 per month. 0% Overdraft Subject to approval.

Business Current Accounts

Provider
Account
AER
Free Banking Duration
Interest Paid
Apply
12 months free banking for small businesses, incl. individuals setting up their first business bank account (T&Cs Apply).
N/A
for Up to 12 months
N/A
Overdraft facility available up to £25k – T&Cs apply.
N/A
N/A
N/A
Starting a business? Enjoy up to £850 of free start-up benefits including 2 years’ free business banking
0%
for 24 months
N/A
Want to move your business banking to NatWest? Get 6 months free banking, No annual fee on your Business Credit cards for the first 12 months & 1% cashback on any overdrafts or loans required!
0%
for 6 months
N/A
18 months FREE business banking
0%
for 18 months
N/A
Move your existing Account & Get 6 months FREE banking (terms and conditions apply). Smooth move guaranteed.
0%
for 6 months
N/A
Starting a business? Enjoy up to £800 of free start-up benefits, including 2 years’ free business banking
0%
for 24 months
N/A
Want to move your business banking to RBS? Get 6 months free banking, No annual fee on your Business Credit cards for the first 12 months & 1% cashback on any overdrafts or loans required!
0%
for 6 months
N/A
No credit checks or interview required - Apply instantly online in minutes. £49 per year – No charge for depositing cash, receiving bank transfers or for setting up Direct Debits
N/A
for N/A
N/A
No Credit Check basic bank account – Open to everyone 18+ & UK resident. £55 Opening Fee - £12.50 per month. Create Standing Orders & Direct Debits! Charge for 'depositing' money to account, either as cash or transfer.
N/A
for N/A
N/A

Barclays Start-up Business Account

  • Open a start-up account for your new business and you’ll benefit from:
  • Free business banking for 12 months
  • At the end of your free banking you will have a choice of 2 straightforward Price Plans
  • Our Loyalty Reward gives you back more of your account charges the longer you're with us
  • Support and guidance from your Business Banking telephone team with our Service Guarantee
  • The flexibility to manage your account online, by phone, via the Barclays Mobile Banking app 3 or in branch

Barclays Switcher Business Current Account

  • Move your banking to Barclays and you’ll benefit from:
  • Support and guidance from your Business Banking telephone team with our Service Guarantee
  • A choice of 2 straightforward Price Plans that you can switch between to enjoy the charging structure designed around how your business makes and takes payments
  • Our Loyalty Reward, which gives you back more of your monthly charges the longer you bank with us
  • The flexibility to manage your account online, by phone, in branch or using the Barclays Mobile Banking app
  • Get paid instantly using just your mobile number with Barclays Pingit

Natwest Business Start-up Account

NatWest
  • ***Call NatWest on 0333 355 9427 to find out more***
  • Two years' free Business Banking* - Free Business Banking is available for Businesses which are less than 12 months old with an annual turnover not exceeding £1 million
  • Mentor Aware - help to manage your risks with our Employment Law and Health & Safety support tool
  • No annual fee on your Business Credit Card – apply for a NatWest Business Credit Card in the first six months of opening your account and we’ll waive the annual fee for your first year.
  • Free Start-up courses - help to get you started with our online courses
  • Free unlimited transactions – no matter how many deposits or withdrawals you make, as long as your business turnover is less than £1 million
  • £1 minimum balance – keep at least £1 in your account and you never need to worry about charges
  • Free Online, Telephone and Mobile banking – pay bills and make transfers 24 hours a day, seven days a week (available to all business current account holders)
  • Start your business with NatWest today!
  • * = Free banking means that the charges for the day to day running of your account (known as your 'service charge') will not apply during the free banking period. At the end of this period, you will automatically move to the Standard Tariff. Charges for "Additional Services" and "Unarranged Borrowing" are not part of the free banking offer. Free banking applies to businesses that started trading within the past twelve months with projected or existing annual turnover not exceeding £1 million.

Natwest Business Switcher Account

NatWest
  • ***Call NatWest on 0333 355 9427 to find out more***
  • Switch your business banking to NatWest and get the following:
  • - 6 months free Business Banking with our Business Current Account.
  • - 1% cashback on your overdraft and loan, payable after your free banking period.
  • - No annual fee on your Business Credit cards for the first 12 months.
  • These offer is only available to customers who choose our Standard Published Tariff, with an annual turnover less than £2 million, where the business has been trading for a minimum of one year.
  • You will also benefit from:
  • No loan arrangement fees.
  • Access to trained Business Managers
  • Access to Online and Mobile Banking
  • Free 12 month Regus Businessworld Preferred Membership
  • Help to Switch

Lloyds Bank New Business Start up Account

Lloyds Bank
  • 18 months free day-to-day banking and support from your own business manager.
  • During the first 18 months you will not be charged for:
  • - Paying in or taking out cash
  • - Paying in or issuing cheques
  • - Paying standing orders and direct debits
  • There is no limit on the number of deposits or withdrawals, and you do not need to keep a minimum balance in your account to qualify.
  • When your free banking period ends choose either 'Business Extra Tariff' or 'Electronic Business Tariff'.

Lloyds Bank Established Business Switch A/C

Lloyds Bank
  • Interest free overdraft of up to £5,000 while moving
  • During the first 6 months you will not be charged for (terms and conditions apply):
  • - Paying in or taking out cash
  • - Paying in or issuing cheques
  • - Paying standing orders and direct debits
  • There is no limit on the number of deposits or withdrawals, and you do not need to keep a minimum balance in your account to qualify.
  • When your free banking period ends choose either 'Business Extra Tariff' or 'Electronic Business Tariff'.

RBS Business Start-up Account

RBS
  • ***Call RBS on 0333 355 8229 to find out more***
  • Two years' free Business Banking* - Free Business Banking is available for Businesses which are less than 12 months old with an annual turnover not exceeding £1 million
  • Mentor Aware - help to manage your risks with our free Employment Law and Health & Safety support tool
  • No annual fee on your Business Credit Card – apply for a RBS Business Credit Card in the first six months of opening your account and we’ll waive the annual fee for your first year.
  • Free Start-up courses - help to get you started with our online courses
  • Free unlimited transactions – no matter how many deposits or withdrawals you make, as long as your business turnover is less than £1 million
  • £1 minimum balance – keep at least £1 in your account and you never need to worry about charges
  • Free Online, Telephone and Mobile banking – pay bills and make transfers 24 hours a day, seven days a week (available to all business current account holders)
  • Start your business with RBS today!
  • * = Free banking means that the charges for the day to day running of your account (known as your 'service charge') will not apply during the free banking period. At the end of this period, you will automatically move to the Standard Tariff. Charges for "Additional Services" and "Unarranged Borrowing" are not part of the free banking offer. Free banking applies to businesses that started trading within the past twelve months with projected or existing annual turnover not exceeding £1 million.

RBS Business Switcher Account

RBS
  • ***Call RBS on 0333 920 8353 to find out more***
  • Switch your business banking to RBS and get the following:
  • - 6 months free Business Banking with our Business Current Account.
  • - 1% cashback on your overdraft and loan, payable after your free banking period.
  • - No annual fee on your Business Credit cards for the first 12 months.
  • These offer is only available to customers who choose our Standard Published Tariff, with an annual turnover less than £2 million, where the business has been trading for a minimum of one year.
  • You will also benefit from:
  • No loan arrangement fees.
  • Access to trained Business Managers
  • Access to Online and Mobile Banking
  • Free 12 month Regus Businessworld Preferred Membership
  • Help to Switch

Cashplus Business Current Account

CashPlus
  • Instant online application process
  • No paper forms or interview required
  • No credit check required to open an account
  • The low cost alternative to High Street Banks:
  • - Free to deposit cash at the Post Office
  • - Free to set up Direct Debits
  • - Free inbound bank transfers
  • - 3 Free outbound bank transfers per month - £0.99 per transfer thereafter
  • Comes with MasterCard Debit Card – no card transaction charges
  • Fees: £49 per year & £2 per ATM withdrawal
  • No hidden fees
  • No introductory free period – just constantly low pricing

CardOne Banking Guaranteed Business Account

  • CardOneBanking offers the following:
  • Guaranteed Acceptance
  • Sortcode & Account Number
  • Pay money in at any Post Office or Barclays Branch
  • Create Standing Orders and Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • £55 OPENING FEE
  • NO OVERDRAFT FACILITY – No risk of going overdrawn
  • NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
  • YOU must be 18+ and UK resident
  • £12.50 monthly management fee
  • Charges to transfer or deposit funds:
  • £5 to £249 = £5
  • £250 to £499 = £8
  • £500 to £749 = £13
  • £750 to £999 = £20
  • £1000+ = £30

Current Accounts

Provider
Account
AER
Minimum Balance
Overdraft
Monthly Fee
Switch Guarantee
Apply
Get 5.00% AER (4.89% gross p.a.) for in-credit balances up to £2,500 (fixed for the first 12 months). You must pay in at least £1,000 per month. This could be worth up to £125 over a year if your balance is £2,500 in credit!
5.00%
£1,000
£2,000
Free
Switch Guarantee
Representative Example: If you use an arranged overdraft of £1,200 the amount Nationwide will charge you is 50p per day (variable).
Earn up to 5.00% AER variable on balances up to £2,000 providng you deposit at least £500 per month. To earn 5% AER you must credit your account with £500 each month, register for internet banking, paperless statements and correspondence (if available).
5.00%
£1
£25
Free
Switch Guarantee
Representative Example: If you use an overdraft limit £1,200 the interest rate charged will be 19.94% EAR (variable).
Get FREE European Travel Insurance and NO monthly fee. You need to be 18+, No Fees or Minimum monthly deposits.
0%
£1
No Offer
Free
Switch Guarantee
Representative Example: If you use an overdraft limit of £1,200 a 18.9% EAR (variable) charge will apply
A straightforward Current Account from Barclays with no monthly fee. Contactless Debit Card, Mobile Banking, Text Alerts and Personalise your debit card with an image of your choice.
0%
£1
£200
Free
Switch Guarantee
Representative Example: Up to £5,000 - 19.3% interest p.a. (variable). Subject to status and application.
Get up to 3% AER on balances £3k - £20k & Get Cash Back on your Bills - 1% cashback on water and council tax, 2% cashback on electricity and gas, 3% cashback on mobile, home phone, broadband and paid for TV packages.
3%
£500
No Offer
£2
Switch Guarantee
Representative Example: 0% EAR (variable) Arranged Overdraft. A Daily Arranged Overdraft Fee of £1 per day capped at 20 days each monthly statement period applies. Assumed Arranged Overdraft credit limit: £1,200. Actual amount may differ.
Earn a minimum of 1% of your spend at participating retailers with Cashback Plus. You must be age 18+. Also 0% £100 Overdraft, any other borrowing @ 19.24% (subject to eligibility)
0%
£1
£100
Free
Switch Guarantee
Representative Example: If you use an overdraft limit of £100 a 19.89% EAR (variable) charge will apply
No minimum monthly deposit requirement. Plus 0% overdraft facility for 4 months if you switch your banking
0%
£1
£1,200
Free
Switch Guarantee
Representative Example: No Daily Arranged Overdraft Usage Fee for the first four months. Then £1 each day capped at 20 days in each monthly statement period.
A straightforward current account created to make everyday banking easier. Manage your money 24 hours a day through Internet Banking, Telephone Banking and Mobile Banking
N/A
£1
£25
Free
Switch Guarantee
Representative Example: If you use an overdraft limit £1,200 the interest rate charged will be 19.94% EAR (variable).
Earn 1% Cash Back at participating retailers. You must be age 18+. Also 0% £100 Overdraft, or up to £15,000 @ 19.24% (subject to eligibility)
0%
£1
£100
Free
Switch Guarantee
Representative Example: If you use an overdraft limit of £100 a 19.89% EAR (variable) charge will apply
Earn 1% Cash Back at participating retailers. Get Green Flag breakdown cover, Mobile phone insurance (including all smartphones!) Annual worldwide travel insurance & Travel benefits.
0%
£1
£100
£16
Switch Guarantee
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.49% EAR (variable).
Pay £10 per month. Get Financial and shopping benefits and M&S vouchers. Also £500 overdraft facility with £100 @ 0%, any other borrowing @ 15.9%.
0%
£1
£100
£10
Switch Guarantee
Representative Example: (assumed overdraft £500): 0% EAR variable on the first £100, 15.9% EAR variable thereafter.
Pay £17.50 per month. Get Financial and shopping benefits and M&S vouchers and worldwide family travel insurance. Also £500 overdraft facility with £100 @ 0%, any other borrowing @ 15.9%.
0%
£1
£100
£17.50
Switch Guarantee
Representative Example: (assumed overdraft £500): 0% EAR variable on the first £100, 15.9% EAR variable thereafter.
A standard current account that's exactly what you'd expect. It's an easy and convenient account for your day-to-day banking. Add 'Control' to your account to help prevent going into an unplanned overdraft (£10 monthly fee applies).
N/A
£1
Not Stated
Free
Switch Guarantee
Representative Example: If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. Overdrafts are subject to status.
Account holders receive £5 each month they pay in £750, pay out two different direct debits and stay in credit. To open, set up at least two different direct debits and pay in every month (minimum £750).
N/A
£1
Not Stated
Free
Switch Guarantee
Representative Example: If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. Overdrafts are subject to status.
For a £15 monthly fee (reduced to £10 in each month that you pay in £750, pay out two different direct debits and stay in credit) account holders get worldwide family travel insurance, car breakdown cover and more, provided by selected third parties.
N/A
£1
Not Stated
£15
Switch Guarantee
Representative Example: If you use a planned overdraft of £1,200, then we'll charge you a daily fee of £1. For Ultimate Reward Current Accounts, you will pay the higher monthly account fee of £15 rather than £10 if you use your overdraft. This means there will be an indirect additional cost of £5 if you use a planned overdraft on this account. Overdrafts are subject to status.

Nationwide Flex-Direct Account

Nationwide
  • Get 5.00% AER (4.89% gross p.a.) for in-credit balances up to £2,500 (fixed for the first 12 months)
  • You if you pay in at least £1,000 per month
  • Fee-free overdraft for 12 months (subject to approval)
  • Access to special rates and exclusive products
  • Online and mobile banking
  • Telephone banking and free text alerts
  • No monthly fee
  • UK call centres

TSB Classic Plus Account

TSB
  • Market leading 5% AER variable interest on balances from £0 - £2,000.
  • To earn 5% AER you must credit your account with £500 each month, register for internet banking, paperless statements and correspondence (if available).
  • No introductory offer period.
  • Available to existing and new customers.
  • Low minimum monthly deposit of £500 required to meet eligibility.
  • No monthly fee.
  • Access to all the features of the standard Classic account such as Money Planner, Control, SMS alerts and internet banking.
  • Transact in branch, online or over the telephone.
  • £25 interest and fee free overdraft subject to application and approval
  • No hidden clauses – only need to meet CTO, register for internet banking, paperless statements and correspondence (when available) to get the interest rate.
  • 7 day switching service available.

Nationwide FlexAccount

Nationwide
  • VISA debit card with every account
  • Free travel insurance: multi-trip European cover worth up to £70* (conditions apply)
  • Manage your account online with an excellent internet banking service.
  • Three-month interest-free overdraft when you switch to FlexAccount
  • Free day to day banking
  • Voted Best Overall Online Provider 2009 by Your Money

Barclays Bank Account

Barclays
  • Create your own personalised Current Account with the new Barclays Features Store - Customise your account with a range of Packs that cover gadgets, home appliances, travel and more. Simply add the Features that you want and leave out the ones that you don't. Terms, conditions and exclusions apply - read the policy documents so you know whats covered and whats not.
  • Free Text Alerts to help manage your money
  • Personalise your debit card for free with your favourite photo (image guidelines apply)
  • Contactless debit card (subject to status) allows you to make fast and secure payments for items that are priced £20 or less.
  • Online, Telephone, Mobile and Branch
  • No minimum funding required
  • Barclays Pingit - the quick and easy way to send or receive money with just your mobile
  • Free switching service available

Santander 123 Current Account

  • The New 123 Current Account pays cashback on household direct debits
  • 1% cashback on water and council tax
  • 2% cashback on electricity and gas
  • 3% cashback on mobile, home phone, broadband and paid for TV packages
  • New 123 Current Account pays also pays in-credit interest
  • 1% AER on the entire balance, once the customer’s balance is £1,000 or over
  • 2% AER on the entire balance, once the customer’s balance is £2,000 or over
  • 3% AER on the entire balance, once the customer’s balance is £3,000 or over (up to £20,000)
  • You are required to pay £2 a month (equates to 6p per day)
  • Your overdraft fee will be 19.9% EAR plus an unauthorised fee of £1 per day.
  • Get a cheque book and a Visa Debit card. You can use your Visa Debit card in shops wherever you see the Visa symbol and at virtually every cash machine in the UK and many worldwide. It also acts as a £100 cheque guarantee card
  • Access to your money 24 hours a day 7 days a week through our e-banking service, 750+ branches, 24-hour telephone banking service, LINK cash machine network or even by post
  • You must setup a minimum of 2 active direct debits
  • You must deposit at least £500 per month
  • This account is open to NEW and EXISTING Santander customers aged 18 and above (must be UK resident)

Natwest Select

NatWest
  • ** Voted the best card benefits programme of the year at the Card and Payment Awards. **
  • Free day-to-day banking without subscription charges
  • Get 1% Cash Back at participating retailers.
  • Overdraft available subject to eligibility, giving your finances some breathing space
  • Chequebook available subject to eligibility; handy when cash or cards aren't convenient
  • Monthly statements with all your transactions and your balance - by post or online. Or pick up a mini-statement from our cash machines

Santander Everyday Current Account

  • A simple and straightforward current account that helps make managing your money easy and convenient.
  • 0% EAR (variable) overdraft rate.
  • No Daily Arranged Overdraft Fees for the first 4 months when you switch to us (depending on circumstances. See representative example).
  • After 4 months the Daily Arranged Overdraft Fee will be 50p per day capped at 20 days each monthly statement period (if you don't switch these Daily Arranged Overdraft Fees will start from when your account is opened.)
  • Access to our dedicated Switcher Service - It is important that you feel confident about switching to us and what is involved. Click here for full details of our simple three-step process.
  • Easy access to your account 24 hours a day with our internet and phone banking service. Plus you have access to over 1,300 Santander branches.
  • No interest is paid on your balance.
  • You must be aged over 18 and live permanently in the UK.

TSB Classic Account

TSB
  • Free banking - no charge for everyday transactions when you’re in credit.
  • You will receive a debit card with your account
  • Manage your money 24 hours a day through Internet Banking, Telephone Banking and Mobile Banking.
  • Money Planner is a free, easy-to-use Internet Banking service that introduces a new way of keeping track of your money across your TSB personal current and credit card accounts.
  • £25 interest-free planned overdraft. (Subject to application and approval).
  • £10 overdraft buffer. No overdraft fees or interest to pay if you go overdrawn (either Planned or Unplanned) by £10 or less.
  • Grace period if you go over your limit. You have until 3.30pm (UK Time) to pay in enough money to avoid any overdraft fees you may incur that day.
  • Switching to us in just 7 working days – We can help to move Direct Debits and standing orders from any existing accounts to your TSB current account.
  • Access to over 600 branches and a network of ATM's worldwide

RBS Select

RBS
  • Free everyday banking - no monthly subscription charges.
  • No arrangement or renewal fees - on overdrafts up to £15,000. And pay no interest on agreed overdrafts of up to £100.
  • Save on your mortgage - use your Interest Paying Current Account balance to save money with our Offset Service.
  • Easy access to your money - your debit card gives you access to almost every cash machine in the UK. You can also pay for goods and services wherever you see the logo shown on your card.
  • Online banking - manage your money 24 hours a day, 365 days a year with our telephone and internet banking services. (Except for short periods of essential maintenance.)
  • Overseas money - get money in local currency at cash machines and buy goods wherever you see the logo shown on your card.
  • Statements - monthly statements list all transactions and your current balance. You can also get mini-statements from any cash machine.

Natwest Select Platinum Current Account

NatWest
  • Pay £16.00 per month and get the following benefits:
  • Green Flag car breakdown cover - even on your driveway
  • Mobile phone insurance – including all smartphones
  • Annual worldwide travel insurance - Members and their partners aged 70 years and over must pay an additional annual premium of £50
  • Travel benefits – discounts on holidays, flights and hotels

M&S Premium Current Account

Marks & Spencer
  • **Get £50 M&S gift card for opening an account and a further £100 M&S gift card for switching their account to M&S Bank**
  • With the M&S Premium Current Account for just £10 a month (for an initial fixed term of 3 months after which it is automatically renewed monthly), you’ll enjoy all this:
  • M&S loyalty points for M&S reward vouchers with your M&S Debit Card in M&S (in store and online)
  • Triple points for M&S reward vouchers with your M&S Credit Card in M&S (in store and online). Representative 16.9% APR variable
  • Access to our exclusive high rate monthly savings account
  • £45 worth of treats and delights vouchers
  • £127 worth of hot drinks vouchers for the M&S Café
  • Birthday gift e.g. afternoon tea for two, worth £10
  • Access to exclusive M&S offers
  • Automatic £500 overdraft available as soon as you open your account – and the first £100 is interest-free (subject to status).

M&S Premium Current Account with insurance

Marks & Spencer
  • **Get £50 M&S gift card for opening an account and a further £100 M&S gift card for switching their account to M&S Bank**
  • With the M&S Premium Current Account for just £17.50 a month (for an initial fixed term of 3 months after which it is automatically renewed monthly), you’ll enjoy all this:
  • Worldwide multi-trip family travel insurance
  • M&S loyalty points for M&S reward vouchers with your M&S Debit Card in M&S (in store and online)
  • Triple points for M&S reward vouchers with your M&S Credit Card in M&S (in store and online). Representative 16.9% APR variable
  • Access to our exclusive high rate monthly savings account
  • £45 worth of treats and delights vouchers
  • £127 worth of hot drinks vouchers for the M&S Café
  • Birthday gift e.g. afternoon tea for two, worth £10
  • Access to exclusive M&S offers
  • Automatic £500 overdraft available as soon as you open your account – and the first £100 is interest-free (subject to status)

Halifax Current Account

Halifax
  • £100 cashback for new and existing customers switching an active bank account held elsewhere to Halifax.
  • To qualify, use the Current Account Switch Service to switch and close your old account.
  • Halifax is covered by the Current Account Switch Guarantee.
  • Customers who’ve already received a Halifax switching offer (since January 2012) are not eligible for this offer.
  • Plus, switching to this account only takes seven working days.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Halifax Reward Current Account

Halifax
  • £100 cashback for new and existing customers switching an active bank account held elsewhere to Halifax.
  • To qualify, use the Current Account Switch Service to switch and close your old account.
  • Halifax is covered by the Current Account Switch Guarantee.
  • Customers who’ve already received a Halifax switching offer (since January 2012) are not eligible for this offer.
  • Plus, switching to this account only takes seven working days.
  • £5 monthly reward if each month customers pay in £750, pay out two different direct debits and stay in credit.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Halifax Ultimate Reward Current Account

Halifax
  • Get a Free £100 when you switch to this account!
  • Pay £15 per month and get all the standard features, plus AA breakdown cover, travel and mobile phone insurance and more.
  • Halifax will give you £5 each month you pay in £750, pay out two different direct debits and stay in credit.
  • This account offers a flexible 0% Overdraft facility (Overdrafts are subject to status.):
  • - £1 per day - if you use an 'Planned' overdraft up to and including £1,999
  • - £2 per day - if you use an 'Planned' overdraft from £2,000 up to and including £2,999
  • - £3 per day - if you use an 'Planned' overdraft from £3,000 and above
  • - £5 per day - if you use an 'Un-Arranged' overdraft
  • A Halifax Visa debit card - Option to personalise
  • Access to the extensive branch Network
  • 24/7 Online Banking Access

Hasssle-free current account switching has finally arrived

  • Switch your account in just 7 working days
  • Your new bank arranges everything, including Direct Debits and Standing Orders.
  • Any payments in or out of your old account will be automatically redirected to the new one.
  • Switch Guarantee: if anything goes wrong, you will be refunded for any charges.

Popular Savings Accounts

Provider
Account
AER
Notice
Interest Paid
Min Bal
Apply
1.60%
Fixed term for 1 year
Monthly
£1,000
1.25%
30 Days
Monthly
£1,000
A great rate of interest which includes a fixed bonus of 0.70% gross p.a. paid until 28 February 2015
1.20%
Instant
Annually
£1,000
1.00%
Instant
Annually
£1,000
Get 0.50% AER if you deposit £1 to £25k. Deposit £25k+ and get 0.75% AER.
0.50%
Instant
Quarterly
£1
Get 0.50% AER if you deposit £1 to £25k. Deposit £25k+ and get 0.75% AER.
0.50%
Instant
Quarterly
£1

Scottish Widows Direct Transfer Account

Scottish Widows
  • Minimum balance £1000
  • Deposits can be made by internet banking, telephone or post
  • No notice period or penalties for withdrawals
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

The Derbyshire BS NetSaver (Issue 13)

The Derbyshire Building Society
  • Open today with at least £1,000 and manage your account online
  • A great rate of interest which includes a fixed bonus of 0.70% gross p.a. paid until 28 February 2015
  • Freedom to make easy access withdrawals without notice or loss of interest
  • This is a limited offer and may be withdrawn at any time
  • Interest is paid annually on 28 February
  • Opening deposit must be by cheque made payable to yourself from your nominated UK account
  • Further payments can be made by Electronic Funds Transfer, Standing Order or CHAPS
  • Withdraw funds by electronic transfer to your nominated UK account only
  • Minimum withdrawal amount is £10
  • Maximum amount is £100,000 per day (1 withdrawal per day)
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Aldermore 30 Day Notice Account

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1
  • Flexible - add to your savings whenever you want
  • Access - unlimited withdrawals, subject to notice and without loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Aldermore 1 Year Fixed Rate ISA

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

RBS Instant Saver

RBS
  • Balances from £1 receive a rate of 0.50% AER / 0.50%Gross p.a. (variable) rising to 0.75% AER / 0.75%Gross p.a. (variable) for balances of £25,000 or more.
  • Quarterly interest paid directly into your account.
  • Access your money in branch, over the phone
  • No penalties and no withdrawal charges
  • Easy to manage with our online banking service and our mobile banking apps.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Natwest Instant Saver

NatWest
  • Balances from £1 receive a rate of 0.50% AER / 0.50%Gross p.a. (variable) rising to 0.75% AER / 0.75%Gross p.a. (variable) for balances of £25,000 or more.
  • Quarterly interest paid directly into your account.
  • Access your money in branch, over the phone
  • No penalties and no withdrawal charges
  • Easy to manage with our online banking service and our mobile banking apps.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Cash ISAs (Variable Rate)

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.30%
Yes
Instant
Min £10
Max £5,940
1.29%
Yes
Instant
Min £1
Max £5,940
1.00%
Yes
Instant
Min £1
Max £5,940
No withdrawal penalties. Transfer your existing ISA balances to this ISA.
1.00%
Yes
Instant
Min £1
Max £5,940
No withdrawal penalties. Transfer your existing ISA balances to this ISA.

Natwest Cash ISA

NatWest
  • Save from £1 and save up to £5,940 per tax year (£15,000 from July 2014)
  • Earn 1.0% AER to 1.5% AER depending on deposit:
  • £25,000+ = 1.5% AER
  • £1 - £24,999+ = 1.0% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – Natwest can pay the interest into your Cash ISA Plus or another NatWest account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Scottish Widows e-Cash ISA

Scottish Widows
  • Minimum balance £10
  • Annual cash ISA limit is £5,940 (2014-15)
  • No notice period or penalties for withdrawals
  • Transfers from other cash ISAs accepted

Barclays Instant Cash ISA

Barclays
  • Earn 1.29% AER /1.28% tax-free pa 1 on balances of £1 to £14,999
  • Earn 1.39% AER /1.38% tax-free pa on balances of £15,000 to £29,999
  • Earn 1.49% AER /1.48% tax-free pa on balances of £30,000 and over
  • Rates are variable
  • Save from £1 to £5,940 in the 2014/2015 tax year. The allowance increases to £15,000 in July 2014.
  • Include your Instant Cash ISA – Issue 1 in a Barclays offset mortgage arrangement
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

RBS Cash ISA

RBS
  • Save from £1 and save up to £5,940 per tax year (£15,000 from July 2014)
  • Earn 1.0% AER to 1.5% AER depending on deposit:
  • £25,000+ = 1.5% AER
  • £1 - £24,999+ = 1.0% AER
  • Instant access to your funds with no penalties
  • Monthly tax-free interest – RBS can pay the interest into your Cash ISA Plus or another RBS account.
  • Manage your ISA by Phone, post, in branch and online
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Cash ISAs (Fixed Rate)

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.60%
Yes
Fixed term for 1 year
Min £1,000
Max £1,000,000
1.80%
Yes
Fixed term for 2 years
Min £1,000
Max £1,000,000
2.00%
Yes
Fixed term for 3 years
Min £1,000
Max £1,000,000

Aldermore 1 Year Fixed Rate ISA

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Aldermore 2 Year Fixed Rate ISA

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Aldermore 3 Year Fixed Rate ISA

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Flexible - add to your savings whenever you like
  • Unlimited withdrawals - access your money whenever you need it, without restriction or loss of interest
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

How long do you wish to save for:

Fixed rate for 1 year

Provider
Account
AER
Interest Paid
Min Bal
Apply
1.75%
Fixed term for 1 year
Monthly
£1,000
You will need to have a NatWest/RBS Current A/c or Instant Access Savings Account for the payment of interest
1.15%
Fixed term for 1 year
On Maturity
£5,000
You will need to have a NatWest/RBS Current A/c or Instant Access Savings Account for the payment of interest
1.15%
Fixed term for 1 year
On Maturity
£5,000
1.10%
Fixed term for 1 year
On Maturity
£10,000

Lloyds Bank International 1 Year Bond

Lloyds Bank
  • Save for 1 year
  • Fixed interest rates of 2.75% AER/Gross*.
  • Save from £10,000 up to £5,000,000
  • No withdrawals are allowed.
  • Rate is fixed for the term of the deposit.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

NatWest 1 Year Fixed Rate Bond

NatWest
  • 1.15% AER/Gross p.a. (fixed)
  • Existing Customers only - You will need to have a NatWest current account or instant access savings account (excluding all cash ISA accounts) from which to pay into your bond and for the payment of interest
  • Easy application - as the application can be completed quickly online when you have a nominated account. Single account application only
  • Save from £5,000- the maximum is £500,000
  • Simple- Fixed Rate Bond: Internet Only Edition has one rate of interest which starts once the bond account is opened and your funds are in
  • If you change your mind about opening your Fixed Rate Bond you have a 14-day period from the date your Bond has been opened, in which to contact us to cancel your Bond without incurring an interest charge
  • No partial withdrawals or additional deposits are allowed - you may close your Fixed Rate Bond prior to the maturity date by providing a written instruction to your branch, and giving 35 days’ notice. There will be an interest charge equivalent to 90 days' gross interest
  • You may close your Fixed Rate Bond in the event of death or involuntary redundancy. In those circumstances, an interest charge will not apply. 35 days notice will still be required
  • At maturity, we will automatically reinvest your deposit for you into a new Fixed Rate Bond of the same term and interest frequency, unless you tell us otherwise
  • Limited offer - may be withdrawn at anytime
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

NatWest 2 Year Fixed Rate Bond

NatWest
  • Save between £5,000 - £500,000
  • Your Fixed Rate Bond will be opened within 5 working days of the funds being deposited from your nominated account and will run from the date of opening until the date of maturity
  • If you change your mind about opening your Fixed Rate Bond you have a 14-day period from the date your Bond has been opened to cancel it without charge
  • No partial withdrawals or additional deposits are allowed.
  • Funds must be left untouched for the term of the bond. Early closure may result in a charge equivalent to 90 days’ gross interest for our 1 year Fixed Rate Bond and 180 days' gross interest for our 2 year Fixed Rate Bond
  • You will need to have a NatWest current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
  • Available to Natwest Personal & Private customers aged 18 years or over
  • At maturity, we will automatically reinvest your deposit for you into a new Fixed Rate Bond of the same term and interest frequency, unless you tell us otherwise
  • This is a limited offer and may be withdrawn from sale at any time
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 3 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 5 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for FIVE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Aldermore 1 Year Fixed Rate Bond

Aldermore
  • Transparent - our competitive rates are not artificially inflated by bonuses or introductory offers
  • Fast and easy setup - open an account, complete identity checks and move your money in minutes
  • Accessible - open an account with just £1,000
  • Easy to manage - do it online, by phone or by post
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

RBS 1 Year Fixed Rate Bond

RBS
  • 1.15% AER/Gross p.a. (fixed)
  • Existing Customers only - You will need to have a RBS current account or instant access savings account (excluding all cash ISA accounts) from which to pay into your bond and for the payment of interest
  • Easy application - as the application can be completed quickly online when you have a nominated account. Single account application only
  • Save from £5,000- the maximum is £500,000
  • Simple- Fixed Rate Bond: Internet Only Edition has one rate of interest which starts once the bond account is opened and your funds are in
  • If you change your mind about opening your Fixed Rate Bond you have a 14-day period from the date your Bond has been opened, in which to contact us to cancel your Bond without incurring an interest charge
  • No partial withdrawals or additional deposits are allowed - you may close your Fixed Rate Bond prior to the maturity date by providing a written instruction to your branch, and giving 35 days’ notice. There will be an interest charge equivalent to 90 days' gross interest
  • You may close your Fixed Rate Bond in the event of death or involuntary redundancy. In those circumstances, an interest charge will not apply. 35 days notice will still be required
  • At maturity, we will automatically reinvest your deposit for you into a new Fixed Rate Bond of the same term and interest frequency, unless you tell us otherwise
  • Limited offer - may be withdrawn at anytime
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

RBS 2 Year Fixed Rate Bond

RBS
  • Save between £5,000 - £500,000
  • Your Fixed Rate Bond will be opened within 5 working days of the funds being deposited from your nominated account and will run from the date of opening until the date of maturity
  • If you change your mind about opening your Fixed Rate Bond you have a 14-day period from the date your Bond has been opened to cancel it without charge
  • No partial withdrawals or additional deposits are allowed.
  • Funds must be left untouched for the term of the bond. Early closure may result in a charge equivalent to 90 days’ gross interest for our 1 year Fixed Rate Bond and 180 days' gross interest for our 2 year Fixed Rate Bond
  • You will need to have a RBS current account or instant access savings accounts (excluding all Cash ISA accounts) for the payment of interest
  • Available to RBS Personal & Private customers aged 18 years or over
  • At maturity, we will automatically reinvest your deposit for you into a new Fixed Rate Bond of the same term and interest frequency, unless you tell us otherwise
  • This is a limited offer and may be withdrawn from sale at any time
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Vanquis Bank 4 Year Fixed Rate Bond

Vanquis
  • Available Online Only.
  • Deposit between £1,000 to £250,000 for THREE YEARS in ONE PAYMENT and benefit from a guaranteed savings rate.
  • Annual or Monthly interest options available.
  • Sole or Joint Accounts.
  • Restricted to UK residents 18 years or older.
  • No additional deposits, withdrawals or closure during term.
  • Vanquis Bank is a UK bank with operations and call centres in London, Chatham, Bradford and Newcastle, and is part of the Provident Financial Group, a FTSE 250 company founded over 130 years ago.
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 BY THE FSCS - Financial Services Compensation Scheme

Fixed rate for 2 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
You will need to have a NatWest/RBS Current A/c or Instant Access Savings Account for the payment of interest
1.35%
Fixed term for 2 years
Annually
£5,000
You will need to have a NatWest/RBS Instant Access Savings account for the payment of interest
1.35%
Fixed term for 2 years
Annually
£5,000

Fixed rate for 3 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
2.01%
Fixed term for 3 years
Monthly/Annually
£1,000

Fixed rate for 4 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
2.66%
Fixed term for 4 years
Monthly/Annually
£1,000

Fixed rate for 5 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
2.91%
Fixed term for 5 years
Monthly/Annually
£1,000

Investing for Income

Provider
Account
Capital Protected
ISA Option
Apply
6 year structured investment plan paying a fixed monthly income of 0.46% (equivalent to 5.52% annually. Also available as a Stocks & Shares ISA investment and ISA transfer.
5.52%fixed income per annum
No
Yes
6 year structured investment plan paying a fixed monthly income of 0.54% (equivalent to 6.48% annually. Also available as a Stocks & Shares ISA investment and ISA transfer.
6.48%fixed income per annum
No
Yes
A 6 year structured investment plan paying a potential quarterly income of 2.15% (equivalent to 8.6% per year). Also available for Stocks & Shares ISA and ISA transfer.
8.6%per annum
No
Yes
A 6 year structured investment plan paying a potential maximum quarterly income of 1.75% (equivalent to 7% per year). Also available for Stocks & Shares ISA and ISA transfer.
7%per annum
No
Yes
A 6 year structured investment plan paying a potential maximum quarterly income of 1.5% (equivalent to 6% per year). Also available for Stocks & Shares ISA and ISA transfer.
6%per annum
No
Yes

Investec FTSE 100 Enhanced Income Plan

  • The Investec FTSE 100 Enhanced Income Plan 10 is a six year structured investment plan providing fixed monthly income payments throughout the term.
  • The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.46% monthly regardless of the performance of the FTSE 100 Index, equivalent to 5.52% gross per year.
  • Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity.
  • Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you will lose 1% for every 1% the Final Index ends below the Initial Index. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Fixed monthly income: 0.46% (equivalent to 5.52% per year)
  • Capital at risk investment*
  • Investment term: 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • Maximum direct investment - £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers: 9 May 2014
  • Investment deadline for direct and investments: 23 May 2014
  • *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.

Investec FTSE 100 Enhanced Income Plan

  • The Investec FTSE 100 Enhanced Income Plan 1 – Option 1 is a six year Structured Investment Plan which provides fixed monthly income payments throughout the term of the Plan.
  • The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.54% monthly regardless of the performance of the FTSE 100 Index, the equivalent to 6.48% gross per year.
  • Repayment of your initial capital at the end of the term is subject to the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity. Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you would lose some or all of your capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Fixed monthly income: 0.54% (equivalent to 6.48% per year)
  • Capital at risk investment*
  • Investment term: 6 Years
  • Minimum single investment: £3,000
  • Maximum Stocks & Shares ISA investment: £11,280
  • Maximum investment: £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers: 1st February 2013
  • Investment deadline for direct and ISA investment: 15th February 2013
  • *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money. **An alternative UK Banks option is also available paying a slightly lower return which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of HSBC plc, Nationwide Building Society, Santander UK plc, The Royal Bank of Scotland plc and Lloyds TSB Bank plc. See brochure for details

Focus FTSE 4 Quarterly Income Plan

  • The Focus FTSE 4 Quarterly Income Plan May 2014 is a six year and two week structured investment income plan linked to the performance of four shares within the FTSE 100 Index (‘the Index’).
  • The Plan offers the opportunity for fixed quarterly income payments linked to the performance of four FTSE 100 stock market listed companies: Barclays Plc, GlaxoSmithKline Plc, HSBC Holdings Plc and Vodafone Group Plc (‘the shares’).
  • If on any Quarterly Measurement Date the levels of all four shares are at or above 60% of their respective Opening Levels, the Plan will pay an income of 2.15% for that quarter. If one or more shares are below 60% of their Opening Levels then no income will be paid in respect of that quarter.
  • As long as one or more shares have not fallen by more than 50% at maturity from their respective Opening Levels, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Values of the shares to their Opening Values. If therefore at the end of the plan, one or more shares are below this 50% safety net barrier, you will lose 1% of capital for every 1% the lowest performing share has fallen below its Opening Level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential quarterly income: 2.15% (equivalent to 8.6% annually)
  • Capital at risk product*
  • Investment term - 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum 2013/14 Stocks & Shares ISA investment - £11,520
  • Maximum 2014/15 Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 18 April 2014
  • Investment deadline for 2013/14 ISA investment by cheque or bank transfer: 4 April 2014
  • Investment deadline for direct and 2014/15 ISA investment by cheque or bank transfer: 30 April 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Credit Suisse AG) to repay the monies.

Start Point FTSE Quarterly Income Plan

  • The Start Point FTSE Quarterly Income Plan March / April 2014 is a six year and two week structured investment income plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The FTSE 100 Index is measured on the Start Date and then again every quarter. In order to pay the 1.75% quarterly income the Index must have closed at or within a specified upper and lower range on the Quarterly Measurement Date. The range for quarters one to eight is +/- 10% of the Initial Level, increasing to +/- 15% for quarters nine to twelve, +/- 20% for quarters thirteen to sixteen, +/- 25% for quarters seventeen to twenty, and +/- 30% for quarters twenty one to twenty four.
  • For example, if the Starting Level of the Index was 6700 points, for quarters one to eight the closing Index levels would have to be between 6030 and 7370 points in order to receive the 1.75% income payments. For quarters thirteen to sixteen the range would be 5360 to 8040 points, and by quarters twenty one to twenty four it would be between 4690 to 8710 points.
  • If the closing level of the Index doesn’t fall between the specific range on a Quarterly Measurement Date , no income payment will be made for that quarter.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential maximum quarterly income: 1.75% (equivalent to 7% annually)
  • Capital at risk product*
  • Investment term - 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum 2013/14 Stocks & Shares ISA investment - £11,520
  • Maximum 2014/15 Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 4 April 2014
  • Investment deadline for 2013/14 ISA investment by cheque or bank transfer: 4 April 2014
  • Investment deadline for direct or 2014/15 ISA investment by cheque or bank transfer: 14 April 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Sociate Generale UK Target Income Plan

  • The SG UK Target Income Plan (UK Four) Issue 3 is a six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The FTSE 100 Index is measured at the start of the Plan, and then on a quarterly basis thereafter. On each Quarterly Observation Date, if the closing level of the Index is at or above 80% of the Initial Index Level a fixed income of 1.5% gross will be paid to you for the quarter. If the Index level is below 80% of the Initial Index Level , no income will be paid for that quarter.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential maximum quarterly income: 1.5% (equivalent to 6% annually)
  • Capital at risk product*
  • Investment term - 6 Years
  • Arrangement fee applies
  • Minimum single investment - £10,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares ISA transfers: 17 April 2014
  • Investment deadline for cash ISA transfers: 25 April 2014
  • Investment deadline for direct and ISA investment: 9 May 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparties (Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc) to repay the monies.

Investing for Growth

Provider
Account
Capital Protected
ISA Option
Apply
Structured investment plan with the potential to mature every year from year 1 onwards. If the plan matures early it will return 13.5% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
13.5% per annum
No
Yes
Structured investment plan with the potential to mature every six months from year 1 onwards. If the plan matures early it will return 6.1% times the number of semi-annual periods the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
12.2% per annum
No
Yes
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 9.75% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
9.75%per annum
No
Yes
Structured investment plan with the potential to mature each quarter from year 1 onwards. If the plan matures early it will return 3% times the number of quarters the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
12% per annum
No
Yes
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 9% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
9% per annum
No
Yes
A maximum 6 year capital protected structured investment plan that offers a potential early exit return of 21%. Also available for Stocks & Shares ISA and ISA transfer.
75%
No
Yes
A 6 year structured investment plan with the potential to mature early from year 2, returning 8% for each year the plan is in place. Also available for Stocks & Shares ISA and ISA transfer.
8%per annum
No
Yes
Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 8% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
8% per annum
No
Yes
6 year structured investment plan which aims to return 3.3 x FTSE 100 growth above 90% of inital level, capped at 66%. Also available for Stock & Shares ISA and ISA transfer.
66%
No
Yes
Structured investment plan with the potential to mature after years 3, 4, 5 or 6. If the plan matures early it will return 7.25 times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
7.25%per annum
No
Yes
Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 6.4% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
6.4% per annum
No
Yes
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 6.5% times the number of years the plan has been active. Also available for Stocks & Shares ISA and ISA transfer.
6.25% per annum
No
Yes
Structured investment plan with the potential to mature each business day from year 1 onwards. If the plan matures early it will pay a fixed return of 27.5%. Also available for Stocks & Shares ISA and ISA transfer.
27.5%
No
Yes

Focus FTSE 4 Defensive Autocall Plan

  • The Focus FTSE 4 Defenisve Autocall Plan April 2014 is a maximum six year and two week structured investment plan linked to the performance of 4 shares within the FTSE 100 Index (‘the Index’): Barclays Bank plc, GlaxoSmithKline plc, HSBC Holdings plc and Vodafone Group plc (‘the shares’).
  • The Plan has a 6 year term, but offers the opportunity to mature early each year from year 1 onwards. If on any Annual Measurement Date the levels of all four shares are at or above the required Reference Level, the Plan will mature early returning your original capital plus 13.5% gross for each year the plan has been active (not compounded). The required Reference Levels are 95% of the Start Levels of the shares at the end of Year 1, 90% at year 2, 85% at year 3, 80% at year 4, 75% at year 5 and 65% at year 6.
  • If the required Reference Level is not met then the plan will continue to the next Annual Measurement Date. If conditions are not met on any of the Annual Measurement Dates you will receive no growth returns and return of your capital may be at risk.
  • As long as one or more shares have not fallen by more than 50% at maturity from their respective Opening Levels, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Values of the shares to their Opening Values. If therefore at the end of the plan, one or more shares are below this 50% safety net barrier, you will lose 1% of capital for every 1% the lowest performing share has fallen below its Opening Level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential return: 13.5% gross per annum in years 1, 2, 3, 4, 5, or 6
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum 2013/14 Stocks & Shares ISA investment - £11,520
  • Maximum 2014/15 Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for 2013/14 ISA investment by cheque or bank transfers: 4 April 2014
  • Investment deadline for ISA transfers: 11 April 2014
  • Investment deadline for direct and 2014/15 ISA investment by cheque or bank transfer: 23 April 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Credit Suisse AG) to repay the monies.

Gilliat Four Stock Step Down Kick Out

  • The Gilliat Four Stock Step Down Kick Out April 2014 is a maximum six year structured investment plan linked to the performance of 4 stocks in the FTSE 100 Index (‘the Index’): Aviva PLC, BP PLC, HSBC Holdings PLC and Vodafone Group PLC (‘the stocks’).
  • The Plan has a 6 year term, but offers the opportunity to mature early after each semi-annual period from the end of year 1 onwards. If on any Kick Out Observation Date the level of all four stocks are at or above the Required Reference Level, the Plan will mature early returning your original capital plus 6.1% gross for each semi-annual period the plan has been active (not compounded). The Required Reference Levels are 95% of the Start Levels of the stocks at the end of Year 1, gradually reducing down to 70% by the end of year 6. Please see page 7 of the brochure for full details.
  • If the Required Reference Level is not met then the plan will continue to the next semi-annual Kick Out Observation Date. If conditions are not met on any of the Kick Out Observation Dates you will receive no growth returns and return of your capital may be at risk.
  • As long as one or more stocks have not fallen by more than 50% at maturity from their Start Levels, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the stocks Final Levels to their Start Levels. If therefore at the end of the plan, one or more stocks are below this 50% safety net barrier, you will lose 1% of capital for every 1% the lowest performing stock has fallen below its Start Level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 6.1% gross for every half year the Plan is active, equivalent to 12.2% pa
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum Stocks & Shares ISA investment - £11,520
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 7 March 2014
  • Investment deadline for direct and ISA investment by cheque: 27 March 2014
  • Investment deadline for direct and ISA investment by electronic transfer: 28 March 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Credit Suisse A.G) to repay the monies.

Investec FTSE 100 Enhanced Kick Out Plan

  • The Investec FTSE 100 Enhanced Kick-Out Plan 44 Investec Option is a maximum six year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’). The objective of the Plan is to deliver attractive returns with the potential for early maturity dependent on the performance of the Index.
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. To achieve early maturity the average closing levels of the Index for the five business days up to, and including one of the Kick-Out Dates must be higher than the Initial Index Level. If the Plan does mature early then the Plan will return 9.75% gross times the number of years the it has been active (not compounded). For example, early maturity at the end of year 3 would return 29.25% gross.
  • If, on the sixth anniversary the average Index level is higher than the Initial Index Level, the Plan will return your original capital plus 58.5%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will be dependent on the performance of the Index.
  • If the Plan achieves early maturity then your capital will be repaid in full. If the Plan does not achieve early maturity then repayment of your capital is dependent on the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% from its Initial Index Level on any business day during the Observation Period, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity.
  • Capital will be at risk, however, if the Index has fallen by more than 50% during the Observation Period and the Final Index Level is lower than the Initial Index Level, in which case you will lose 1% for every 1% the Final Index ends below the Initial Index. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Potential Return: 9.75 %per annum in years 2, 3,4, 5 or 6
  • Capital At Risk Product*
  • Alternative UK 5 option available featuring additional protection, returning a potential 7.5% pa**
  • Alternative Global 4 option available featuring additional protection, returning a potential 8% pa***
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • Maximum investment - £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers: 9 May 2014
  • Investment deadline for direct and 2014/15 ISA investments: 23 May 2014
  • *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.
  • **An alternative UK 5 option is also available paying a slightly lower potential return of 7.5% which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of five UK financial institutions: Aviva plc, Barclays Bank plc, Santander UK plc, The Royal Bank of Scotland plc and Lloyds Bank plc. Please see the factsheets and brochure for details
  • ***An alternative Global 4 option is also available paying a slightly lower potential return of 8% which has an additional protection feature designed to reduce the risk of potential loss to your investment in the event that Investec Bank plc, as counterparty to the Plan, fails or becomes bankrupt. The risk to your investment will instead be dependent on the solvency of four global financial institutions: Banco Santander SA, Commerzbank AG, Standard Chartered Bank and The Royal Bank of Scotland plc. Please see the factsheets and brochure for details

Start Point FTSE 4 FTSE 100 Autocall Plan

  • The Start Point FTSE 4 FTSE 100 Autocall Plan March / April 2014 is a maximum six year and two week structured investment plan linked to the performance of 4 of the largest shares from FTSE 100 Index (‘the Index’).
  • The Plan offers the opportunity for fixed returns linked to the performance of 4 of the largest shares in the FTSE 100 Index (by index weighting as at the 10th March 2014): BP plc, HSBC Holdings plc, GlaxoSmithKline plc and Vodafone Group plc (‘the shares’).
  • The Plan has a 6 year term, but offers the opportunity to mature early after each quarter from the end of quarter 4 onwards. To achieve early maturity the levels of all four shares on the Quarterly Measurement Date must be at or above their respective Opening Levels. If the Plan does mature early then it will return 3% gross times the number of quarters the Plan has been active (not compounded) plus your original capital. For example, early maturity at the end of quarter 8 would return 24% gross (3% x 8).
  • If the plan doesn’t achieve early maturity, on the last Quarterly Measurement Date if all four shares are equal to or higher than 75% of their Opening Levels, the Plan will return your original capital plus 72% gross. However, if on the last Measurement Date the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index. Please note adjustment events may apply, see page 6 of the brochure for further details.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 3% gross for every quarter the Plan is active, equivalent to 12% pa
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum 2013/14 Stocks & Shares ISA investment - £11,520
  • Maximum 2014/15 Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 22 April 2014
  • Investment deadline for 2013/14 ISA investment by cheque or bank transfer: 4 April 2014
  • Investment deadline for direct and 2014/15 ISA investment by cheque or bank transfer: 2 May 2014
  • * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Sociate Generale UK Kick-out Plan

  • The SG UK Kick-out Plan (UK Four) Issue 6 is a maximum six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. The Plan will achieve early maturity if on any Anniversary Dates the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then it will return your original capital plus 9% gross times the number of years the Plan has been active.
  • Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 18% (i.e. 2 x 9% of your original investment). If early maturity is not achieved and the Plan runs for the full term, on the sixth anniversary if the Index is equal to or higher than the Initial Index Level, the Plan will return your original capital plus 54%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
  • If the Plan achieves early maturity then your capital will be repaid in full. If the Plan does not achieve early maturity then repayment of your capital is dependent on the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% during the term, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity.
  • Capital will be at risk, however, if the Index has fallen by more than 50% during the term and the Final Index Level is lower than the Initial Index Level, in which case you will lose 1% for every 1% the Final Index ends below the Initial Index. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 9% gross for every year the Plan is active
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £10,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares ISA transfers: 17 April 2014
  • Investment deadline for cash ISA transfers: 25 April 2014
  • Investment deadline for direct and ISA investment: 9 May 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparties (Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc) to repay the monies.

Start Point FTSE Kick Out Supertracker Plan

  • The Start Point FTSE Kick Out Supertracker Plan February / March 2014 is a maximum six year and two week structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • Three years into the investment term, the level of the Index is compared with the Initial Index Level. If the Index is at or above its Initial Index Level, the Kick Out feature is triggered. At this point, the Plan will end early and you will receive a fixed return of the greater of the percentage rise in the Index or a 21%, plus the repayment of your initial investment.
  • If the Index is below its Initial Index Level after three years, the Plan will continue to the end of the six year investment term. At this point, if the Index is above the Initial Level you will receive 3 x of any growth in the Index, capped at a maximum return of 75% of your original investment. Performance of the Index is measured by comparing the Initial Index level with the Final Index Level. Please note adjustment events may apply, see page 5 of the brochure for further details.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Growth returns: 3 x FTSE 100 Index growth (if the Early Exit feature is not triggered), capped at 75%
  • Potential early exit return: The greater of 100% of the FTSE 100 index growth or 21%*
  • Capital at risk product**
  • Investment term: Maximum 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum ISA investment: £11,520
  • No maximum ISA transfer
  • No maximum total investment
  • Also available to businesses, charities and SIPPs
  • Investment deadline for ISA transfers: 20 March 2014
  • Investment deadline for direct and ISA investment by cheque: 31 March 2014
  • Investment deadline for direct and ISA investment by electronic transfer: 31 March 2014
  • * Available if the FTSE 100 Index is at or above the start level on the 3rd anniversary.** The return of your capital depends on the ability of the counterparty (BNP Paribas) to repay the monies.

Morgan Stanley FTSE Defensive Kick Out Plan

  • The Morgan Stanley FTSE Defensive Kick-Out Plan 17 is a maximum 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’). The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any yearly Kick Out Dates from year 2 onwards, the closing level of the Index is at least 95% of the Initial Index Level, the Plan will mature early and activate the bonus feature - a return of capital plus 8% gross times the number of years the Plan has been active. For example, if conditions were met on year three, the Plan will mature early and you will receive a full return of capital plus a growth return of 24% gross.
  • If the Plan runs for the full six years and conditions are met at the end of the term, then you will receive a return of capital plus 48%. If conditions are not met on any of the yearly Kick Out Dates, or at the end of year six you will receive no growth returns and return of your capital may be at risk.
  • As long as the Index has not fallen by 50% or more from the Initial Index Level at any point during the term of the plan, you will receive the full return of your original investment. If the 50% barrier is breached at any point and the Final Index Level is below 95% of the Initial Index Level you will lose 1% of capital for every 1% the Index is below the starting level. As such, this investment may be appropriate only for those investors willing to risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Early maturity growth return: 8% x the number of the years the plan has been active*
  • Capital at risk product**
  • Morgan Stanley is the counterparty to the plan
  • Investment term: Maximum 6 Years
  • Arrangement fee applies
  • Minimum investment: £3,000
  • Maximum stocks and shares ISA investment: £11,880
  • ISA transfers accepted
  • No maximum non-ISA investment
  • Also available to businesses, charities, trusts and SIPPs
  • Deadline for ISA transfers: 2 May 2014
  • Deadline for direct and ISA applications: 9 May 2014
  • * Dependent on the performance of the FTSE 100 ** The return of your capital depends on the performance of the FTSE 100 Index, and the ability of the counterparty (Morgan Stanley) to repay the monies.

Start Point FTSE Autocall Plan

  • The Start Point FTSE Autocall Plan April / May 2014 is a maximum six year and two week structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The objective of the Plan is to offer the opportunity for defined returns linked to the performance of the FTSE 100 Index. The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. The Plan will achieve early maturity if on any annual Measurement Date the closing level of the Index is equal to or higher than the Initial Index Level. If the Plan does mature early then it will return your original capital plus 8% gross times the number of years the Plan has been active.
  • Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 16% (i.e. 2 x 8% of your original investment). If early maturity is not achieved and the Plan runs for the full term, on the sixth anniversary if the Index is equal to or higher than the Initial Index Level, the Plan will return your original capital plus 48%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index. Please note adjustment events may apply, see page 6 of the brochure for further details.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 8% gross for every year the Plan is active
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 21 May 2014
  • Investment deadline for direct and ISA investment by cheque or bank transfer: 2 June 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Morgan Stanley FTSE Defensive Supertracker Plan

  • The Morgan Stanley FTSE Defensive Supertracker Plan 2 is a 6 year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’). After 6 years the Plan will return 3.3 x any growth in the Index from 90% of its Initial Level to its Final Level, subject to a maximum return of 66% gross of your original investment.
  • For example if the Final Index Level is 3% below the Initial Index Level the return will be 23.1% (3.3 x 7%). If the Final Level is 5% above the Initial Level the return will be 49.5% (3.3 x 15%). If the Final Level is 10% above the Initial Level the return will be 66% (3.3 x 20%). If the Final Index Level is anything above 10% of the Initial Level the return is capped at 66%
  • If at maturity, the Final Index Level is lower than 90% of the Initial Index Level you will not receive an investment return and return of your capital may be at risk.
  • As long as the Final Index level has not fallen by 50% or more at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If, therefore, this safety net has been breached at maturity, you will lose 1% of capital for every 1% the Index has fallen below the Initial Index level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only suitable for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Potential return - 3.3 x growth in the FTSE 100 Index above 90% of intiial level after 6 years, capped at 66%*
  • Capital at risk product**
  • Morgan Stanley is the counterparty to the plan
  • Investment term: 6 Years
  • Arrangement fee applies
  • Minimum investment: £3,000
  • Maximum stocks and shares ISA investment: £11,880
  • ISA transfers accepted
  • No maximum non-ISA investment
  • Also available to businesses, charities, trusts and SIPPs
  • Deadline for ISA transfers: 2 May 2014
  • Deadline for direct and ISA applications: 9 May 2014
  • * Dependent on the performance of the FTSE 100 ** The return of your capital depends on the performance of the FTSE 100 Index, and the ability of the counterparty (Morgan Stanley) to repay the monies.

Investec FTSE 100 Defensive Kick-Out Plan

  • The Investec FTSE 100 Defensive Kick-Out Plan 17 is a maximum six year structured investment plan linked to the performance of the FTSE 100 Index (‘the index’). The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 3, 4 or 5. If on any yearly Kick Out Dates from year 3 onwards, the closing level of the Index is above 90% of the Initial Index Level, the Plan will mature early and return your capital plus 7.25% gross times the number of years the Plan has been active. For example, if conditions were met on year three, the Plan will mature early and you will receive a full return of capital plus a growth return of 21.75% gross.
  • If the Plan runs for the full six years and conditions are met at the end of the term, then you will receive a return of capital plus 43.5%. If conditions are not met on any of the yearly Kick Out Dates, or at the end of year six you will receive no growth returns and return of your capital may be at risk.
  • As long as the Index has not fallen by 50% or more at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 50% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Potential Return: 7.25 % per annum in years 3, 4, 5 or 6
  • Capital At Risk Product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • Maximum investment - £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA Transfers: 9 May 2014
  • Investment deadline for direct and ISA investments: 23 May 2014
  • *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Investec Bank Plc) to repay your money.

Start Point FTSE Step Down Autocall Plan

  • The Start Point FTSE Step Down Autocall Plan March / April 2014 is a maximum six year and two week structured investment plan linked to the performance the FTSE 100 Index (‘the Index’). The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any annual Measurement Date the Required Reference Level of the FTSE 100 Index is met, the Plan will mature early returning your original capital plus 6.4% gross for each year the plan has been active (not compounded). The Required Reference Levels are 100% of the Start Value of the Index at the end of Year 2, 97.5% at the end of Year 3, 95% at the end of Year 4, 92.5% at the end of Year 5, and 80% at the end of year 6.
  • Example – if the conditions were met at the end of Year 4 (i.e. the closing value of the Index on the 8th May 2018 was at least 95% or higher than its starting value) the Plan would provide an interest payment of 25.6% as well as a return of your capital.
  • If the Required Reference Level is not met then the plan will continue until the following year. If conditions are not met on any of the Measurement Dates you will receive no growth returns and return of your capital may be at risk. Please note adjustment events may apply, see page 6 of the brochure for further details.
  • Capital may be at risk if the Plans fails to meet the Required Reference level on any of the Measurement Dates. In this case as long as the Index has not fallen by more than 50% from its Initial Index Level at any time during the term of the Plan, you will receive the full return of your capital. Capital will be lost if the Index has fallen by more than 50% at any time during the term of the Plan and the Final Index Level is lower than the last Reference Level of 80%. In this situation your capital will be reduced by the same percentage that the Final Index Level is below the Initial Index Level, and you may lose some or all of your original investment amount.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 6.4% gross for every year the Plan is active
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum 2013/14 Stocks & Shares ISA investment - £11,520
  • Maximum 2014/15 Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 22 April 2014
  • Investment deadline for 2013/14 ISA investment by cheque or bank transfer: 4 April 2014
  • Investment deadline for direct and 2014/15 ISA investment by cheuqe or bank transfer: 2 May 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Sociate Generale UK Step Down Kick-out Plan

  • The SG UK Step Down Kick-out Plan (UK Four) Issue 6 is a maximum six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’). The objective of the Plan is to deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index, even in a slightly falling market.
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any Anniversary Date the Required Reference Level of the FTSE 100 Index is met, the Plan will mature early returning your original capital plus 6.25% gross for each year the plan has been active (not compounded). The Required Reference Levels are 100% of the Start Value of the Index at the end of Year 2, 95% at the end of Year 3, 90% at the end of Year 4, 85% at the end of Year 5, and 80% at the end of year 6.
  • Example – if the conditions were met at the end of Year 4 (i.e. the closing value of the Index on the 16th May 2018 was at least 90% or higher than its starting value) the Plan would provide an interest payment of 25% as well as a return of your capital.
  • If the Required Reference Level is not met then the plan will continue until the following year. If conditions are not met on any of the Anniversary Dates you will receive no growth returns and return of your capital may be at risk.
  • As long as the Index has not fallen by more than 50% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 50% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 6.25% gross for every year the Plan is active
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £10,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares ISA transfers: 17 April 2014
  • Investment deadline for cash ISA transfers: 25 April 2014
  • Investment deadline for direct and ISA investment: 9 May 2014
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparties (Aviva plc, Barclays Bank plc, Lloyds Bank plc, and The Royal Bank of Scotland plc) to repay the monies.

Start Point Fixed Coupon Daily Autocall Plan

  • The Start Point Fixed Coupon Daily Autocall Plan April / May 2014 is a maximum six year and two week structured investment plan linked to the performance of 4 of the largest shares in the FTSE 100 Index (‘the shares).
  • The Plan offers the opportunity for a fixed return dependant on the performance of 4 of the largest shares in the FTSE 100 Index (by index weighting as at the 25th March 2014): BP plc, HSBC Holdings plc, GlaxoSmithKline plc and Vodafone Group plc (‘the shares’).
  • The Plan has a 6 year term, but offers the opportunity to mature early each business day from the end of year 1 onwards. To achieve early maturity the levels of all four shares on the Daily Measurement Date must be at or above their respective Opening Levels. If the Plan does mature early then it will pay a fixed return of 27.5% gross plus your original capital.
  • If on the last Daily Measurement Date the pre-set conditions are not met there will be no investment return payable and the return of your original capital will depend on the performance of the FTSE 100 Index (‘the Index’). Please note adjustment events may apply, see page 6 of the brochure for further details.
  • As long as the Index has not fallen by more than 40% at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 40% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level. If therefore at the end of the plan, the Index is below this 40% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level. It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential fixed payment of 27.5% gross
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum Stocks & Shares ISA investment - £11,880
  • ISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for ISA transfers: 7 May 2014
  • Investment deadline for investment by cheque or bank transfer: 19 May 2014
  • * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Guaranteed Acceptance Bank Accounts

Provider
Account
AER
Minimum Balance
Overdraft
Monthly Fee
Switch Guarantee
Apply
No Credit Check basic bank account – Open to everyone 18+ & UK resident. NO Opening Fee - £12.50 per month. Create Standing Orders but No Direct Debits
0%
£0
No Offer
£12.50
No
No Credit Check basic bank account – Open to everyone 18+ & UK resident. Set-up fee of £25 (£30 for a joint account), monthly administration fee of just £14.50 (£19.50 for a joint account). Create Standing Orders but No Direct Debits
0%
£0
No Offer
£14.50
No
No Credit Check basic bank account – Open to everyone 18+ & UK resident. NO Opening Fee- £9.95 per month. Create Standing Orders but No Direct Debits
0%
£0
No Offer
£9.95
No
No Credit Check basic bank account – Open to everyone 18+ & UK resident. 0.5% AER on Balances. NO Opening Fee - £12.50 per month. Create Standing Orders but No Direct Debits
0%
£0
No Offer
£12.50
No

Card One Banking Guaranteed Bank Account

  • CardOneBanking offers the following:
  • Guaranteed Acceptance
  • Sortcode & Account Number
  • Have your salary deposited into this account
  • Pay money in at any Post Office or high street branch
  • Prepaid MasterCard card
  • Create Standing Orders but you can not set up Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • NO OPENING FEE
  • NO OVERDRAFT FACILITY – No risk of going overdrawn
  • NO EXTRA CHARGES – No charges for bounced standing orders
  • NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
  • YOU must be 18+ and UK resident
  • £12.50 monthly management fee

Think Money Guaranteed Bank Account

  • Think Banking offers the following:
  • Guaranteed Acceptance
  • Sortcode & Account Number
  • Have your salary deposited into this account
  • Pay money in at any Post Office or high street branch
  • Prepaid MasterCard card
  • Create Standing Orders but you can not set up Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • Opening fee of £25 (£30 for a joint account)
  • NO OVERDRAFT FACILITY – No risk of going overdrawn
  • NO EXTRA CHARGES – No charges for bounced standing orders
  • NO CREDIT CHECKS! – Guaranteed to be accepted, regardless of your past credit
  • YOU must be 18+ and UK resident
  • £14.50 monthly management fee (£19.50 for joint account customers)

Cashplus Guaranteed Bank Account

  • Cashplus offers the following:
  • Guaranteed Acceptance
  • Creditbuilder to improve your credit rating at no extra cost
  • Online banking-set up standing orders for free
  • Free UK ATM withdrawals
  • Free to load your wages
  • Up to 1% Cashback on purchases
  • Prepaid MasterCard card
  • No credit checks
  • No links to your bank account
  • No tie-ins
  • No interest or penalties to pay
  • You must be 18+ and UK resident
  • £9.95 monthly management fee

Secure Trust Bank Guaranteed Bank Account

  • Secure Trust Bank offers the following:
  • 0.5% AER on Balances
  • An official bank account with sortcode and account number
  • Guaranteed Acceptance - No credit checks
  • Earn up to 4% cash Rewards
  • Pay in salary, wages and direct debits
  • Mange you account online or by telephone
  • No hidden or unexpected bank charges
  • No fees for bounced Direct Debits or Standing Orders
  • Prepaid MasterCard card
  • No Overdraft facility – No risk of going overdrawn
  • YOU must be 18+ and UK resident
  • £12.50 monthly management fee
  • One off set up fee of £12.50

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