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!

Search Bank Accounts

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
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 £850 of free start-up benefits including 2 years’ free business banking
0%
for 24 months
N/A
Switch to NatWest and they will credit your account with £150. Switch your overdraft too for another £100.
0%
N/A
N/A
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
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 – **NO OPENING FEE** Open to everyone 18+ & UK resident. £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

Lloyds Bank New Business Start up Account

Lloyds Bank
  • 18 months free day-to-day banking.
  • Support from a Business Management Team
  • 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'.

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 920 8397 to find out more***
  • “Switch to NatWest and they will credit your account with £150. Switch your overdraft too for another £100.
  • Your account will be credited £150 before the end of the 4th full calendar month after account opening. If you switched overdraft too, an extra £100 will be credited the same day. If you close the account or change tariff before credit is made, you’ll no longer be eligible to receive payment.
  • Offer only available to customers who choose the Business Current Account (Standard Tariff), with an annual t/o of less than £2m, where the business has been trading more than 1 year. NatWest reserves the right to alter, amend or foreclose this offer without prior notice. All credit applications subject to approval. Over 18’s only subject to status.
  • A £10 min monthly charge on Business Current Account (Standard Tariff) applies. Overdraft arrangement fees will apply. Security may be required, for which a fee may apply

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

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 a minimum of 1% of your spend on all contactless payments 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
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. Classic Plus has been awarded 5 stars by Defaqto.
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 16+, 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
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
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.
Get £5 reward each month you pay in £750, pay out two different direct debits and stay in credit. Account terms and conditions apply.
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.
Get worldwide family travel insurance, car breakdown cover and more, provided by selected third parties. 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).
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 monthly cost of £5 if you use a planned overdraft on this account. Overdrafts are subject to status.
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.
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.
For ages 11 - 18. Get up to 3% AER on balances up to £2k. No Overdraft and a choice of a cash card or a Visa debit card.
3%
£1
No Offer
£2
Switch Guarantee
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. 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).

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

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
  • Earn a minimum of 1% of your spend on all contactless payments with Cashback Plus
  • 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

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
  • The age restriction to open the account is 16, however you need to 18 to have an overdraft,
  • 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

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.

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

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)

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.

Santander 123 Mini Current Account

  • The 1|2|3 Mini Current Account is designed to provide a safe environment to learn money management and take the first steps towards financial responsibility for those aged between 11 and 18.
  • With the 1|2|3 Mini Current Account you'll get:
  • Rewarding interest rates paying 3% AER/2.96% gross (variable) on balances from £300 up to a maximum of £2,000.
  • £100+ = 1% AER
  • £200+ = 2% AER
  • £300 - £2000 = 3% AER
  • 24/7 access to your account via Online, Mobile and Telephone Banking.
  • Access nationwide via our branch network.
  • Free text and email alerts about your account.
  • The choice of a cash card or a Visa debit card.

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

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

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
Get 1.51% AER on balances between £1,000 and £75,000. Withdrawals are available at 45-day notice. Interest is calculated daily and paid annually.
1.51%
45 days
Annually
£1,000
1.50%
Fixed term for 1 year
Monthly
£1,000
1.25%
30 Days
Monthly
£1,000
1.25%
Instant
Monthly
£500
Get up 1.15% AER/gross on balances over £10,000 up to £75k. 60 day notice on withdrawals. The interest will be 0.65% above the Bank of England Base Rate until 30th September 2015.
1.15%
60 days
Annually
£10,000
1.00%
Instant
Monthly
£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

Aldermore Easy Access Saver

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 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

Manchester Building Society Platinum 60 Day Notice (Issue 5)

  • Get up 1.15% AER/gross on on balances over £10,000 up to £75k.
  • 60 day notice on withdrawals
  • Interest Rates (AERs) - The interest rate is variable and will be altered at the Society's discretion.
  • Interest is calculated daily and paid annually on 31st October.
  • Tax Status - Interest will be paid gross or net of tax**, depending on your status.
  • Conditions for Bonus payments - Not Applicable
  • Withdrawal Arrangements - Withdrawals are available by providing 60 days notice. Up to 6 withdrawals are available in each calendar year.
  • Access - Post, Branch or Agency.

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

SBI UK Easy Access Savings Account

  • Minimum deposit amount of £500
  • Interest paid on balances above £500 and below £1,000,000
  • Account managed online or by visiting our branch
  • Interest paid on a monthly basis
  • Debit card provided only to the primary account holder if requested
  • Available to an individual, 18 years or over, who is ordinarily resident in the UK for tax purposes and has a permanent UK address
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Manchester Building Society Platinum 45 Day Notice (Issue 5)

  • Get 1.51% AER/gross on balances between £1,000 and £75,000.
  • Withdrawals are permitted at 45-day notice.
  • Interest is calculated daily and will be paid annually.
  • The interest rate is variable and is subject to change.
  • Tax status: interest will be paid gross or net of tax**, depending on your status.
  • The product does not include any introductory bonuses.
  • Access is available by post, by branch or by agency.

Cash ISAs (Variable Rate)

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.30%
Yes
Instant
Min £10
Max £15,000
1.00%
Yes
Instant
Min £1
Max £15,000
No withdrawal penalties. Transfer your existing ISA balances to this ISA.
1.00%
Yes
Instant
Min £1
Max £15,000
No withdrawal penalties. Transfer your existing ISA balances to this ISA.

Natwest Cash ISA

NatWest
  • Save from £1 and save up to £15,000 per tax year.
  • Earn 0.75% AER to 1.0% AER depending on deposit:
  • £25,000+ = 1.0% AER
  • £1 - £24,999+ = 0.75% 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 £15,000 (2014-15)
  • No notice period or penalties for withdrawals
  • Transfers from other cash ISAs accepted

RBS Cash ISA

RBS
  • Save from £1 and save up to £15,000 per tax year
  • Earn 0.75% AER to 1.0% AER depending on deposit:
  • £25,000+ = 1.0% AER
  • £1 - £24,999+ = 0.75% 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
1.50%
Yes
Fixed term for 1 year
Min £1,000
Max £1,000,000
1.85%
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
Investment is through Peer-to-Peer loans secured against property.
4.65%
Fixed term for 18 Months
On Maturity
£10
Investment is through Peer-to-Peer loans secured against property.
4.00%
Fixed term for 1 Year
On Maturity
£10
Investment is through Peer-to-Peer loans secured against property.
3.00%
Fixed term for 6 Months
On Maturity
£10
1.90%
Fixed term for 18 months
Annually
£1,000
1.75%
Fixed term for 15 months
Annually
£1,000
1.75%
Fixed term for 1 year
Monthly
£1,000
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

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

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

Bank of Cyprus UK 3 Year Bond

Bank of Cyprus UK
  • Interest is paid annually
  • Early withdrawals not permitted
  • Available to individuals (single and joint applicants)
  • Conditions are available here
  • Available in Sterling only.

Aldermore 4 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

Aldermore 5 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

Aldermore 3 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

Wellesley 6 Month Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Funding Circle 3 Year Fixed Rate Bond

Funding Circle
  • You can choose the businesses you would like to lend to
  • Simple and easy online access
  • Lend from as little as £20
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment..

Wellesley 1 Year Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Wellesley 18 Month Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Wellesley 3 Year Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Wellesley 4 Year Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Wellesley 5 Year Fixed Rate Bond

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is secured on property.
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • There is a 'provision fund' set aside to cover any loses should they occur.
  • Wellesley & Co lend the first 10% on any deal, and are the first to loose their investment if the loan is defaulted and the sale of the property does not produce enough funds to cover the loan made.
  • After this point the provision fund is in place to compensate savers.
  • Early redemption is possible by selling your investment to another investor. However, this can only occur if there is a willing buyer.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer potentially attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Bank of Cyprus UK 15 Month Bond

Bank of Cyprus UK
  • Interest is paid annually
  • Early withdrawals not permitted
  • Available to individuals (single and joint applicants)
  • Conditions are available here
  • Available in Sterling only
  • Existing Bank of Cyprus customers (at least 6 months) will automatically receive a loyalty bonus rate.

Bank of Cyprus UK 18 Month Bond

Bank of Cyprus UK
  • Interest is paid annually
  • Early withdrawals not permitted
  • Available to individuals (single and joint applicants)
  • Conditions are available here
  • Available in Sterling only
  • Existing Bank of Cyprus customers (at least 6 months) will automatically receive a loyalty bonus rate.

Fixed rate for 3 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
Investment is through Self-Selected unsecured Peer-to-Peer business loans.
6.10%
Fixed term for 3 years
Monthly
£20
Investment is through Peer-to-Peer loans secured against property.
5.10%
Fixed term for 3 years
On Maturity
£10
2.35%
Fixed term for 3 years
Monthly
£1,000
2.31%
Fixed term for 3 years
Monthly/Annually
£1,000
2.30%
Fixed term for 3 years
Annually
£1,000

Fixed rate for 4 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
Investment is through Peer-to-Peer loans secured against property.
5.85%
Fixed term for 4 years
On Maturity
£10
2.75%
Fixed term for 4 years
Monthly/Annually
£1,000
2.75%
Fixed term for 4 years
Monthly
£1,000

Fixed rate for 5 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
Investment is through Peer-to-Peer loans secured against property.
6.76%
Fixed term for 5 years
On Maturity
£10
3.01%
Fixed term for 5 years
Monthly/Annually
£1,000
3.00%
Fixed term for 5 years
Monthly
£1,000

Investing for Income

Provider
Account
Capital Protected
ISA Option
Apply
6 year structured investment plan paying a fixed monthly income of 0.45% (equivalent to 5.4% annually. Also available as a Stocks & Shares NISA investment and NISA transfer.
5.4%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
6 year structured investment plan paying a fixed monthly income of 0.6 (equivalent to 7.2% annually. Also available as a Stocks & Shares NISA investment and NISA transfer.
7.2%fixed income per annum
No
Yes
A 6 year structured investment plan paying a potential quarterly income of 2.25% (equivalent to 9% per year). Also available for Stocks & Shares NISA and NISA transfer.
9%per annum
No
Yes

Investec FTSE 100 Enhanced Income Plan

  • The Investec FTSE 100 Enhanced Income Plan 14 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 0.45% monthly regardless of the performance of the FTSE 100 Index, equivalent to 5.4% 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Fixed monthly income: 0.45% (equivalent to 5.4% per year)
  • Capital at risk investment*
  • Investment term: 6 Years
  • Arrangement fee applies
  • Minimum single investment - £3,000
  • Maximum NISA investment - £15,000
  • NISA transfers accepted
  • Maximum direct investment - £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA Transfers: 24 October 2014
  • Investment deadline for direct and NISA investments: 7 November 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

Meteor FTSE 5 Monthly Income Plan

  • The Meteor FTSE 5 Monthly Income Plan November 2014 is a six year and two week structured investment plan providing fixed monthly income payments throughout the term. The return of capital is dependent on the performance of five FTSE 100 shares
  • The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.6% monthly regardless of the performance of the shares, equivalent to 7.2% gross per year.
  • The return of capital is dependent on the performance of five FTSE 100 shares: Anglo American Plc, British Sky Broadcasting Group Plc, GlaxoSmithKline Plc, Imperial Tobacco Group Plc and Vodafone Group Plc. 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 Levels of the shares to their Opening Levels. 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Fixed monthly income: 0.6% (equivalent to 7.2% per year)
  • Capital at risk investment*
  • Investment term: 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum NISA investment - £15,000
  • NISA transfers accepted
  • No non-NISA investment limit
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA Transfers: 22 October 2014
  • Investment deadline for direct and NISA investments by cheque: 30 October 2014
  • Investment deadline for direct and NISA investments by bank transfer: 5 November 2014
  • *The return of your initial investment depends on the performance of five FTSE 100 shares and the ability of the counterparty (Morgan Stanley BV) to repay your money.

Focus FTSE 4 Quarterly Income Plan

  • The Focus FTSE 4 Quarterly Income Plan October 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 quarterly income payments linked to the performance of four FTSE 100 stock market listed companies: Anglo American Plc, BAE Systems Plc, Imperial Tobacco Group Plc and Standard Chartered 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 2.25% 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 NISA, NISA 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: 2.25% (equivalent to 9% annually)
  • Capital at risk product*
  • Investment term - 6 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum Stocks & Shares NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA transfers: 13 October 2014
  • Investment deadline for direct and NISA investment by cheque: 21 October 2014
  • Investment deadline for direct and NISA investment by bank transfer: 27 October 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.

Investing for Growth

Provider
Account
Capital Protected
ISA Option
Apply
Structured investment plan with the potential to mature after years 2, 3, 4, 5 or 6. If the plan matures early it will return 10.25% times the number of years the plan has been in force. Also available for Stocks & Shares NISA and NISA transfer.
10.25% per annum
No
Yes
6 year structured investment plan which aims to return 10 x FTSE 100 growth, capped at 60%. Also available for Stock & Shares NISA and NISA transfer.
10 x FTSE(60% cap)
No
Yes
6 year structured investment plan which aims to return 3.1 x FTSE 100 growth above 90% of inital level, capped at 62%. Also available for Stock & Shares ISA and ISA transfer.
62%
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 9.25% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
9.25%per annum
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 NISA and NISA 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 7.75% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7.75% per annum
No
Yes
6 year structured investment plan which aims to return either a potential fixed return of 66% or 100% of any FTSE 100 growth if higher. Also available for stocks & shares NISA and NISA transfer.
66% fixed, or 100% growth in FTSE 100 (no limit)
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 7.5% times the number of years the plan has been in force. Also available for Stocks & Shares NISA and NISA transfer.
7.5% 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 7% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7% 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% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
6% per annum
No
Yes

Investec FTSE 100 Enhanced Kick Out Plan

  • The Investec FTSE 100 Enhanced Kick-Out Plan 48 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 10.25% gross times the number of years it has been active (not compounded). For example, early maturity at the end of year 3 would return 30.75% 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 61.5%. 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential Return: 10.25% per annum in years 2, 3, 4, 5 or 6 Capital At Risk Product* Alternative collateralised 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 NISA investment - £15,000 NISA transfers accepted Maximum investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline for NISA Transfers: 24 October 2014  Investment deadline for direct and NISA investments: 7 November 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 collateralised 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 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

Sociate Generale UK Growth Plan

  • The SG UK Growth Plan (UK Four) Issue 4 is a six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’). After 6 years the Plan will return 10 x any growth in the Index by comparing its Initial Level to its Final Level, subject to a maximum return of 60% gross of your original investment.
  • For example if the Final Index Level is 2% above the Initial Index Level the return will be 20% (10 x 2%). If the Final Level is 4% above the Initial Level the return will be 40% (10 x 4%). If the Final Level is 6% above the Initial Level the return will be 60% (10 x 6%). If the Final Index Level is anything above 6% of the Initial Level the return is capped at 60%
  • If at maturity, the Final Index Level is lower than 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 40% or more 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, 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 40% 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Plan Details
  • Potential return - 10 x growth in the FTSE 100 Index, capped at 60%
  • Capital at risk product*
  • Investment term - 6 Years
  • Arrangement fee applies
  • Minimum single investment - £10,000
  • Maximum Stocks & Shares NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares NISA transfers: 14 November 2014
  • Investment deadline for cash NISA transfers: 21 November 2014
  • Investment deadline for direct and NISA investment: 5 December 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.

Morgan Stanley FTSE Defensive Supertracker Plan

  • The Morgan Stanley FTSE Defensive Supertracker Plan 5 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 3.2 x any growth in the Index from 90% of its Initial Level to its Final Level, subject to a maximum return of 64% gross of your original investment.
  • For example if the Final Index Level is 3% below the Initial Index Level the return will be 22.4% (3.2 x 7%). If the Final Level is 5% above the Initial Level the return will be 48% (3.2 x 15%). If the Final Level is 10% above the Initial Level the return will be 64% (3.2 x 20%). If the Final Index Level is anything above 10% of the Initial Level the return is capped at 64%
  • 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Potential return - 3.2 x growth in the FTSE 100 Index above 90% of intiial level after 6 years, capped at 64%*
  • 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 NISA investment: £15,000
  • NISA transfers accepted
  • No maximum non-NISA investment
  • Also available to businesses, charities, trusts and SIPPs
  • Deadline for NISA transfers: 29 September 2014
  • Deadline for direct and NISA applications: 6 October 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.

Sociate Generale UK Kick-out Plan

  • The SG UK Kick-out Plan (UK Four) Issue 11 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 9.25% 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 18.5% (i.e. 2 x 9.25% 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 55.5%. 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 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.The Plan is available for Stocks & Shares NISA, NISA 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 9.25% 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 NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares NISA transfers: 14 November 2014
  • Investment deadline for cash NISA transfers: 21 November 2014
  • Investment deadline for direct and NISA investment: 5 December 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.

Morgan Stanley FTSE Defensive Kick Out Growth Plan

  • The Morgan Stanley FTSE Defensive Kick Out Growth Plan 21 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 accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares NISA, NISA 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 NISA investment: £15,000
  • NISA transfers accepted
  • No maximum non-NISA investment
  • Also available to businesses, charities, trusts and SIPPs
  • Deadline for NISA transfers: 7 November 2014
  • Deadline for direct and NISA applications: 14 November 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 Dual Option Kick Out Plan

  • The Start Point Dual Option Kick Out Plan September / October 2014 – Option 1 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 7.75% 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 15.5% (i.e. 2 x 7.75% 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 46.5%. 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 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 NISA, NISA 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 7.75% 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 NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA transfers: 17 October 2014
  • Investment deadline for direct & NISA investment by cheque or bank transfer: 30 October 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.

Investec Defensive Enhanced Returns Plan

  • The Investec Defensive Enhanced Returns Plan 3 FTSE 100 Version Investec Option is a six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The objective of the Plan is to provide a minimum return of 66% gross provided that the Final Index Level (subject to averaging) is higher than 90% of the Initial Index Level. If the Index rises by more than 66% the return will be 100% of the FTSE 100 growth, with no upper limit.
  • For example, based on a £10,000 investment, if after 6 years the Index has fallen by 5% then you will receive £6,600 gross return (minimum 66% return as the Index was at 95% of its Initial Level) plus your original capital. If the Index has risen by 30%, you will receive £6,600 gross (minimum 66%) plus your original capital. If the Index has risen by 70%, you will receive £7,000 gross (100% of the growth with no cap) plus your original capital.
  • If, at maturity, the Final Index Level is equal to or lower than 90% of the Initial Index Level, you will not receive any growth returns, and the return of your original capital will be dependent on the performance of the Index.
  • 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 at least 90% of the Initial Index Level or higher, 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 90% of 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Target return - 66% gross or 100% of any growth in the Index if higher Capital at Risk product* Alternative option available featuring additional protection, returning a potential 50%/100%** Investment term - 6 Years Arrangement fee applies Minimum single investment - £3,000 Maximum NISA investment - £15,000 NISA transfers accepted Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts This Plan is not the same as a bank or building society deposit account and you may not receive your initial deposit in full if your capital is withdrawn early Investment deadline NISA transfers: 24 October 2014  Investment deadline for direct and NISA applications: 7 November 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 collateralised option is also available paying a slightly lower potential return of 50% or 100% if higher, 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 factsheet and brochure for details.

Investec FTSE 100 Defensive Kick-Out Plan

  • The Investec FTSE 100 Defensive Kick-Out Plan 21 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 7.5% 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 22.5% 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 45%. 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 NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts.
  • Potential Return: 7.5 % 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 NISA investment - £15,000
  • NISA transfers accepted
  • Maximum investment - £1,000,000
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA Transfers: 24 October 2014
  • Investment deadline for direct and NISA investments: 7 November 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.

Sociate Generale UK Step Down Kick-out Plan

  • The SG UK Step Down Kick-out Plan (UK Four) Issue 11 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 7% 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 12th December 2018 was at least 90% or higher than its starting value) the Plan would provide an interest payment of 28% 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 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 NISA, NISA 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 7% 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 NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for stocks and shares NISA transfers: 14 November 2014
  • Investment deadline for cash NISA transfers: 21 November 2014
  • Investment deadline for direct and NISA investment: 5 December 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 Dual Option Step Down Kick Out Plan

  • The Start Point Dual Option Step Down Kick Out Plan September / October 2014 – Option 1 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% 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 5th November 2018 was at least 90% or higher than its starting value) the Plan would provide an interest payment of 24% 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 4 of the brochure for further details.
  • Capital may be at risk if the Plan 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 NISA, NISA 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% 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 NISA investment - £15,000
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA transfers: 17 October 2014
  • Investment deadline for direct and NISA investment: 30 October 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. No Set-up fee. Monthly administration fee of just £14.50 (£21.25 for a joint account). Create Standing Orders but and 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 Royal Bank of Scotland branch
  • Prepaid MasterCard card
  • Create Standing Orders but and set up Direct Debits with this account.
  • 24 hour account management by Phone, Text and Online Banking
  • Dedicated Account Manager
  • 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 (£21.25 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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