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Banking, Saving & Investing

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

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Sponsored Product

Nationwide FlexPlus - £10 per month

3.00% AER on balances up to £2.5k. Worldwide Family Travel Insurance (Inc Winter Sports), UK & European Breakdown and Recovery Assistance, Commission Free Cash Withdrawals.

Business Current Accounts

Provider
Account
AER
Free Banking Duration
Interest Paid
Apply
For start-ups opening their first account within 12 months of beginning trading. No charges for cash or cheque deposits and withdrawals, Direct Debits or other automated transactions.
N/A
for 25 months
N/A
For established small businesses switching to Yorkshire Bank from another provider. No charges for cash or cheque deposits and withdrawls, Direct Debits or other automated transactions
N/A
for 25 months
N/A
Starting a business? Enjoy up to £850 of free start-up benefits including 18 months’ free business banking
0%
for 18 months
N/A
No credit checks or interview required - Apply instantly online in minutes. £69 per year – No charge for receiving bank transfers or for setting up Direct Debits, loads up to £1,000 in a calendar month are FREE, a 0.25% fee will apply on loads over £1,000 per calendar month
N/A
for N/A
N/A
No Credit Check basic bank account. 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

Yorkshire Bank Small Business Start-up Account

Yorkshire Bank
  • For start-ups opening their first account within 12 months of beginning trading.
  • No charges for cash or cheque deposits and withdrawals, Direct Debits or other automated transactions.

Yorkshire Bank Established Business Switcher Account

Yorkshire Bank
  • For established small businesses switching to Yorkshire Bank from another provider.
  • No charges for cash or cheque deposits and withdrawls, Direct Debits or other automated transactions

NatWest Business Start-up Account

NatWest
  • ***Call NatWest on 0333 355 9427 to find out more***
  • 18 Months 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.

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 load up to £1,000 per month at the Post Office, a 0.25% fee will apply on loads over £1,000 per calendar month (At other retail outlets this will also have a £3 fee that will apply)
  • - 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: £69 per year & £2 per ATM withdrawal
  • No hidden fees
  • No introductory free period – just constantly low pricing
  • Additional card & replacement up to £5.95
  • Direct Debit Rejected payment fee up to £15.00 (capped at £60.00 per month)

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
Pay £10 per month and get 3.00% AER on balances up to £2.5k. Plus - Worldwide Family Travel Insurance (Inc Winter Sports), UK & European Breakdown and Recovery Assistance, Commission Free Cash Withdrawals Abroad and other benefits!! Best packaged current account as awarded by Moneynet 2014. Age 18+
3.00%
£1
£100
£10
Switch Guarantee
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%
£0
No Offer
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).
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 in-credit interest of 5% AER for balances upto £2,000 when you credit your account with a minimum of £500 each month, register for internet banking, paperless statements and paperless correspondence. With 5% Cashback on your first £100 Contactless payments every month (T&Cs apply. Subject to eligibility. End Sept 2017). Classic Plus has been awarded 5 stars by Defaqto.
5.00%
£1
£25
Free
Switch Guarantee
Representative Example: If you use an overdraft limit of £1,200 the interest rate charged will be 19.94% EAR (Variable)
Get FREE European Travel Insurance and NO monthly fee. You need to be 18+, No Fees or Minimum monthly deposits.
0%
£1
No Offer
Free
Switch Guarantee
Representative Example: If you use an overdraft limit of £1,200 a 18.9% EAR (variable) charge will apply
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 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
Upto £5000
Free
Switch Guarantee
Representative Example: Up to £5,000 (subject to application & status) - If you use an overdraft of £1,200, you will be charged £1.50 per day when you use it.
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
£5
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.
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
£5
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
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
£10
Free
Switch Guarantee
Representative Example: If you use an overdraft limit £1,200 the interest rate charged will be 19.94% EAR (variable).

Nationwide FlexPlus Account

Nationwide
  • £10 per month gets you the following benefits:
  • Get 3.00% variable on balances up to £2,500 (no interest for balances £2.5k+)
  • 3 month Fee Free overdraft
  • Commission Free Cash Withdrawals Abroad
  • VISA debit card with every account
  • Travel Insurance - Worldwide travel insurance, including winter sports, golf, business and wedding cover for you and your family.
  • Mobile Phone Insurance - Worldwide cover if your phone's lost, stolen, or damaged.
  • Breakdown Cover - UK & European breakdown cover for you in any private car and also anyone driving your car with your permission.
  • Extended Warranty - Get an extra 12 months warranty for eligible household electrical goods.
  • Identity Theft - Get help and support if your personal data's compromised or your cards are lost or stolen.

Nationwide FlexDirect 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, 1% afterwards).
  • You need to 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.
  • Contactless upto £30
  • 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
  • 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
  • Contactless Debit Card

TSB Classic Plus Account

TSB
  • Classic Plus –
  • Pay in min £500/month, register for Internet Banking, Paperless Statements and Paperless Correspondence
  • £25 interest and fee free overdraft subject to application and approval
  • Must be over 18 and a UK resident to apply
  • Contactless Purchases upto £30 for each transaction-
  • 5% Contactless Cashback –
  • With 5% Cashback on your first £100 Contactless payments every month (T&Cs apply. Subject to eligibility. End Sept 2017)
  • Register for Internet Banking. 18+, UK resident and Classic Plus account holder to qualify
  • Cashback will be paid on qualifying purchases until 31 December 2016
  • Must hold a classic plus account with TSB to qualify
  • · No introductory offer period or monthly fee
  • · Classic Plus account available to existing and new customers
  • · 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
  • · No hidden clauses – only need to meet CTO, register for internet banking, paperless statements and paperless correspondence to get the 5% interest rate

Nationwide FlexAccount

Nationwide
  • VISA debit card with every account
  • The age restriction to open the account is 18
  • 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.

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)
  • £5 per month.
  • 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
  • Get 4 Months Fee-Free Arranged Overdraft when you use the Current Account Switch Service to move your current account to us and receive a Defaqto 5 star rated service.
  • 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
  • You are able to Withdraw upto £300 a day
  • This account is open to NEW and EXISTING Santander customers aged 18 and above (must be UK resident)

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)
  • £5 per month.
  • 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
  • Get 4 Months Fee-Free Arranged Overdraft when you use the Current Account Switch Service to move your current account to us and receive a Defaqto 5 star rated service.
  • 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
  • You are able to Withdraw upto £300 a day
  • 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.
  • Get 4 Months Fee-Free Arranged Overdraft when you use the Current Account Switch Service to move your current account to us and receive a Defaqto 5 star rated service.
  • Withdraw upto £300 a day.
  • 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.

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

Hasssle-free current account switching has finally arrived

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

Popular Savings Accounts

Provider
Account
AER
Notice
Interest Paid
Min Bal
Apply
1.30%
Fixed term for 1 year
On Maturity
£10,000
0.75%
Instant
Annually
£1,000
0.75%
Instant
Annually
£1,000

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 £75,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Manchester Building Society Easy Access Savings Account (Issue 2)

  • Get 0.75% AER/gross on balances between £1,000 and £75,000.
  • 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.

Bank of Cyprus UK 1 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.

Cash ISAs (Variable Rate)

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.00%
Yes
Instant
Min £10
Max £15,240
No withdrawal penalties. Transfer your existing ISA balances to this ISA.

Scottish Widows e-Cash ISA

Scottish Widows
  • Minimum balance £10
  • Annual cash ISA limit is £15,240 (2015-16)
  • No notice period or penalties for withdrawals
  • Transfers from other cash ISAs accepted

Cash ISAs (Fixed Rate)

Provider
Account
AER
ISA Transfers In
Notice
Deposit Per Year
Apply
1.25%
Yes
35 Days
Min £10,000
Max £1,000,000

Bank of Cyprus UK 35 Day Notice ISA

Bank of Cyprus UK
  • Available for new subscriptions up to £15,240 for the current tax year or transfers from other ISA providers
  • Interest is paid annually into your Cash ISA
  • Access to funds subject to 35 days notice
  • Available to individual applicants aged 16 or over
  • Eligible deposits are protected up to £75,000 by the UK 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.
3.35%
Fixed term for 1 Year
On Maturity
£10
Investment is through Peer-to-Peer loans secured against property.
3.00%
Fixed term for 1 Year
On Maturity
£10
1.30%
Fixed term for 1 year
On Maturity
£10,000
1.21%
Fixed term for 15 months
On Maturity
£1,000
1.16%
Fixed term for 12 months
On Maturity
£1,000
1.00%
Fixed term for 1 year
On Maturity
£1,000
0.50%
Fixed term for 6 months
On Maturity
£10,000

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

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.

Bank of Cyprus UK 2 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.

Bank of Cyprus UK 6 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.

Bank of Cyprus UK 1 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.

Wellesley 3 Year Term

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • All lending is asset backed
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • Wellesley & Co retain a portion of every loan that they make. This portion is subordinated to the Peer to Peer lender so act as a capital buffer and takes the first loss is a borrower defaulted on their loan and Wellesley were unable to sell the asset for as much as they had lent.
  • There is a Provision Fund that investors can apply to for compensation in the case of loss of funds through a borrower not meeting loan repayments.
  • Wellesley is the first Peer to Peer lender to offer its lenders a combination of security over all loans and access to a Provision Fund.
  • Wellesley offers early access to funds. There is no charge for this service however a customer’s rate of return that they receive will be realigned to fairly represent the period that their money has been committed.
  • 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 35 Day Notice ISA

Bank of Cyprus UK
  • Available for new subscriptions up to £15,240 for the current tax year or transfers from other ISA providers
  • Interest is paid annually into your Cash ISA
  • Access to funds subject to 35 days notice
  • Available to individual applicants aged 16 or over
  • Eligible deposits are protected up to £75,000 by the UK Financial Services Compensation Scheme

Axis Bank UK 1 Year Fixed Rate Bond

  • Minimum investment £1,000
  • Maximum investment £200,000
  • Eligibility: Individuals who are 18 years of age and older having satisfactory identity and address verification documents as per Axis Bank UK’s policies.
  • Standing orders: Can be set up for auto renewal, interest and maturity payouts.
  • Premature Withdrawal: Not allowed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Axis Bank UK 2 Year Fixed Rate Bond

  • Minimum investment £1,000
  • Maximum investment £200,000
  • 2.15% AER for Deposits between £10,000 and £200,000
  • Eligibility: Individuals who are 18 years of age and older having satisfactory identity and address verification documents as per Axis Bank UK’s policies.
  • Standing orders: Can be set up for auto renewal, interest and maturity payouts.
  • Premature Withdrawal: Not allowed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Axis Bank UK 3 Year Fixed Rate Bond

  • Minimum investment £1,000
  • Maximum investment £200,000
  • Eligibility: Individuals who are 18 years of age and older having satisfactory identity and address verification documents as per Axis Bank UK’s policies.
  • Standing orders: Can be set up for auto renewal, interest and maturity payouts.
  • Premature Withdrawal: Not allowed
  • YOUR SAVINGS ARE PROTECTED UP TO £85,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

Axis Bank UK 5 Year Fixed Rate Bond

  • Minimum investment £1,000
  • Maximum investment £200,000
  • Eligibility: Individuals who are 18 years of age and older having satisfactory identity and address verification documents as per Axis Bank UK’s policies.
  • Standing orders: Can be set up for auto renewal, interest and maturity payouts.
  • Premature Withdrawal: Not allowed
  • YOUR SAVINGS ARE PROTECTED UP TO £75,000 PER PERSON BY THE FSCS - Financial Services Compensation Scheme

OakNorth 15 Month Fixed Rate Bond

  • Minimum deposit amount of £1,000
  • Maximum deposit amount of £100,000
  • Account managed online
  • Interest paid on maturity
  • 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

OakNorth 30 Month Fixed Rate Bond

  • Minimum deposit amount of £1,000
  • Maximum deposit amount of £100,000
  • Account managed online
  • Interest paid on maturity
  • 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

OakNorth 12 Month Fixed Rate Bond

  • Minimum deposit amount of £1,000
  • Maximum deposit amount of £100,000
  • Account managed online
  • Interest paid on maturity
  • 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

OakNorth 24 Month Fixed Rate Bond

  • Minimum deposit amount of £5,000
  • Maximum deposit amount of £100,000
  • Account managed online
  • Interest paid on maturity
  • 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

Wellesley 1 Year Term

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • Wellesley & Co offers a service called 'Early Access'. This enables customers to request access to their funds before the end of a lending term.
  • All lending is asset backed
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • Wellesley & Co retain a portion of every loan that they make. This portion is subordinated to the Peer to Peer lender so act as a capital buffer and takes the first loss is a borrower defaulted on their loan and Wellesley were unable to sell the asset for as much as they had lent.
  • There are Provision Funds that investors can apply to for compensation in the case of loss of funds through a borrower not meeting loan repayments.
  • Wellesley is the first Peer to Peer lender to offer its lenders a combination of security over all loans and access to a Provision Fund of £2,834,444.
  • Wellesley offers early access to funds. There is no charge for this service however a customer’s rate of return that they receive will be realigned to fairly represent the period that their money has been committed.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer 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 2 Year Term

Wellesley
  • Investors can start with as little as £10
  • Rates are fixed for duration agreed.
  • Wellesley & Co offers a service called 'Early Access'. This enables customers to request access to their funds before the end of a lending term.
  • All lending is asset backed
  • Wellesley decides on which cases to lend on and handle the lending and collection of funds.
  • Wellesley & Co retain a portion of every loan that they make. This portion is subordinated to the Peer to Peer lender so act as a capital buffer and takes the first loss is a borrower defaulted on their loan and Wellesley were unable to sell the asset for as much as they had lent.
  • There are Provision Funds that investors can apply to for compensation in the case of loss of funds through a borrower not meeting loan repayments.
  • Wellesley is the first Peer to Peer lender to offer its lenders a combination of security over all loans and access to a Provision Fund of £2,834,444.
  • Wellesley offers early access to funds. There is no charge for this service however a customer’s rate of return that they receive will be realigned to fairly represent the period that their money has been committed.
  • YOUR SAVINGS ARE NOT PROTECTED BY THE FSCS - Financial Services Compensation Scheme.
  • Peer-to-peer lending can offer attractive returns. There is a risk you may lose some or all of your initial investment. However Wellesley do offer their own compensation fund.

Fixed rate for 2 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
1.40%
Fixed term for 2 years
On Maturity
£10,000
1.40%
Fixed term for 2 years
On Maturity
£1,000
1.35%
Fixed term for 30 months
On Maturity
£1,000
1.31%
Fixed term for 30 months
On Maturity
£1,000

Fixed rate for 3 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
Investment is through Peer-to-Peer loans secured against property.
3.75%
Fixed term for 3 years
On Maturity
£10
1.81%
Fixed term for 3 years
Monthly/Annually
£1,000
1.50%
Fixed term for 3 years
On Maturity
£10,000
1.50%
Fixed term for 3 years
On Maturity
£1,000

Fixed rate for 4 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
2.25%
Fixed term for 4 years
Monthly/Annually
£1,000

Fixed rate for 5 years

Provider
Account
AER
Interest Paid
Min Bal
Apply
2.20%
Fixed term for 5 years
Monthly/Annually
£1,000
1.75%
Fixed term for 5 years
On Maturity
£1,000

Investing for Income

Provider
Account
Capital Protected
ISA Option
Apply
4 year investment plan paying a fixed monthly income of 0.61% (equivalent to 7.32% annually). Also available as a Stocks & Shares NISA investment and NISA transfers.
7.32%fixed income
No
Yes
A 6 year investment plan paying a potential quarterly income of 2.37% (equivalent to 9.48% per year). Also available for Stocks & Shares NISA and NISA transfer.
9.48%per annum
No
Yes
A 6 year structured investment plan paying a potential quarterly income of 1.75% (equivalent to 7% per year). Also available for Stocks & Shares NISA and NISA transfer.
7%per annum
No
Yes
A 6 year investment plan paying a potential maximum quarterly income of 1.6875% (equivalent to 6.75% per year). Also available for Stocks & Shares NISA and NISA transfer.
6.75%per annum
No
Yes
A 4 year structured investment plan paying a fixed quarterly income of 1.5% (equivalent to 6% per year). Also available for Stocks & Shares NISA and NISA transfer.
6.0%fixed income per annum
No
Yes
Maximum 6 year structured investment plan paying a potential quarterly income of 1.5% (equivalent to 6% annually) and the opportunity to mature early from year 3 onwards. Also available as a Stocks & Shares NISA investment and NISA transfer.
6.0%per annum
No
Yes
4 year investment plan paying a fixed quarterly income of 1.75% (equivalent to 7% annually. Also available as a Stocks & Shares NISA investment and NISA transfer.
7.0%fixed income
No
Yes
A maximum 6 year investment plan paying a potential quarterly income of 1.55% (equivalent to 6.2% per year) and the opportunity to mature early. Also available for Stocks & Shares ISA and ISA transfer.
6.20%per annum
No
Yes

Meteor 4 Year FTSE 4 Monthly Income Plan

  • The Meteor 4 Year FTSE 4 Monthly Income Plan October 2015 is a four 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 four FTSE 100 shares (‘the shares’).
  • The aim of the Plan is to provide fixed monthly payments throughout the term of the plan. You will receive payments of 0.61% monthly regardless of the performance of the shares, equivalent to 7.32% gross per year. 
  • The return of capital is dependent on the performance of four FTSE 100 shares: Aviva plc, International Consolidated Airlines Group, Pearson plc and Rio Tinto plc. As long as none of the shares have 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 Transfers, Direct Investment (non-ISA), as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Fixed monthly income: 0.61% (equivalent to 7.32% per year) Capital at risk investment* Investment term: 4 Years Arrangement fee applies Minimum single investment - £5,000 Maximum NISA investment - £15,240 NISA transfers accepted No non-NISA investment limit Also available to businesses, charities and trusts Investment deadline for NISA Transfers: 9 October 2015 Investment deadline for direct and NISA investments by cheque: 19 October 2015 Investment deadline for direct and NISA investments by bank transfer: 23 October 2015 *The return of your initial investment depends on the performance of four FTSE 100 shares and the ability of the counterparty (Commerzbank AG) to repay your money.

Focus FTSE 4 Quarterly Income Plan

  • The Focus FTSE 4 Quarterly Income Plan April 2015 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 2.37% 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 none of the shares have 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: 2.37% (equivalent to 9.48% annually) Capital at risk product* Investment term - 6 Years Arrangement fee applies Minimum single investment - £5,000 Maximum Stocks & Shares NISA investment - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 14 April 2015  Investment deadline for direct and NISA investment by cheque: 22 April 2015 Investment deadline for direct and NISA investment by bank transfer: 28 April 2015 *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.

Mariana FTSE Callable Income Plan

  • The Mariana FTSE Callable Income Plan 2 is a six year and two week structured investment income plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The FTSE 100 Index is measured at the start of the Plan, and then on a quarterly basis thereafter. On each Quarterly Observation Date, if the closing level of the Index is at or above the Start Level a fixed income of 1.75% gross will be paid to you for the quarter. If the quarterly Index level is below the Start Level but above 75% of the Start level a fixed income of 1.25% gross will be paid to you for the quarter. If the quarterly Index level is below 75% of the Start Level, no income will be paid for that quarter.
  • The Plan is ‘Issuer Callable’: it will run for six years but the issuer, Societe Generale, may end the plan early. They have the option of redeeming the Plan on an annual basis from year 2 onwards.
  • Should Societe Generale end the Plan early then your original capital will be repaid in full. If the Plan runs for the full six years, as long as the Index has not fallen by more than 40% at maturity from the Start 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 Start 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 Start 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 quarterly income: 1.75% (equivalent to 7% annually)
  • Capital at risk product*
  • Investment term: 6 Years**
  • Arrangement fee applies
  • Minimum single investment: £10,000
  • Maximum NISA investment: £15,000
  • No maximum NISA transfer
  • No maximum total investment
  • Also available to businesses, charities and SIPPs
  • Investment deadline NISA transfers: 2 February 2015
  • Investment deadline for direct and NISA investment by cheque: 11 February 2015
  • Investment deadline for direct and NISA investment by bank transfer: 20 February 2015
  • * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Societe Generale) to repay the monies.
  • ** Plan is Issuer Callable: Societe Generale may end the plan early

Morgan Stanley FTSE Income Accumulator Plan

  • The Morgan Stanley FTSE Income Accumulator Plan 7 is a six year structured income investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The Plan aims to provide a maximum potential quarterly income payment of 1.6875%, equivalent to 6.75% per year. The amount of income paid is determined by reference to the Weekly Observation Date which is measured every Friday during the term of the Plan. For each Weekly Observation Date where the closing value of the FTSE 100 Index is between 5,000 and 8,000 points income will accrue, and for each Weekly Observation Date the Index finishes outside of this range income will not accrue.
  • Income payments will be calculated and paid at the end of each quarter, the total income payment being proportionate to the number of Weekly Observation Dates the Index was between the 5,000 to 8,000 range. For example for a quarter consisting of 13 weeks, should the Index finish between the range on 11 of 13 Weekly Observation Dates, the quarterly income payment would be 1.4279% (1.6875% ÷ 13, x 11).
  • 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 End Value is not below 4,000 points, you will receive the full return of your original investment. Capital will be at risk however, if the End Value is less than 4,000 points, in which case your capital would be reduced by the same percentage that the End Value is below the Start Value. As such, this investment is only appropriate for 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 maximum quarterly income: 1.6875% (equivalent to 6.75% annually)
  • Capital at risk product*
  • Investment term: 6 Years
  • Arrangement fee applies
  • Minimum single investment: £3,000
  • Maximum NISA investment: £15,000
  • No maximum NISA transfer
  • No maximum total investment
  • Also available to businesses, charities and SIPPs
  • Investment deadline NISA transfers: 26 March 2015
  • Investment deadline for direct and NISA investment: 2 April 2015
  • * 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 4 Year FTSE 3 Fixed Income Plan

  • The Start Point 4 Year FTSE 3 Fixed Income Plan January 2015 is a four year and two week structured investment plan providing fixed quarterly income payments throughout the term. The return of capital is dependent on the performance of three FTSE 100 shares (‘the shares’).
  • The aim of the Plan is to provide fixed quarterly payments throughout the term of the plan. You will receive payments of 1.5% quarterly regardless of the performance of the shares, equivalent to 6% gross per year.
  • The return of capital is dependent on the performance of three FTSE 100 shares: Anglo American Plc, International Consolidated Airlines Group and Standard Chartered Plc. As long as none of the shares have 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 quarterly income: 1.5% (equivalent to 6% 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: 7 January 2015
  • Investment deadline for direct and NISA investments by cheque: 15 January 2015
  • Investment deadline for direct and NISA investments by bank transfer: 21 January 2015
  • *The return of your initial investment depends on the performance of three FTSE 100 shares and the ability of the counterparty (Commerzbank AG) to repay your money.

Meteor FTSE Quarterly Contingent Income Plan

  • The Meteor FTSE Quarterly Contingent Income Plan January 2016 is a maximum six year and three week structured investment income plan linked to the performance of the FTSE 100 Index (‘the Index’). The Index is measured at the start of the plan and then ongoing on a quarterly basis. On each Quarterly Measurement Date, if the Index is at or above 75% of its Opening Level you will receive 1.5% income for that quarter. If the Index is below 75% of its Opening Level you will receive no income for that quarter.In addition, although the Plan has a 6 year term, it offers the opportunity to mature early every quarter from year 3 onwards. To achieve early maturity the level of the Index on a Quarterly Measurement Date must be at least 5% above the Opening Level. If the Plan does mature early then it will return your original capital plus the final income payment. If the Plan does not achieve early maturity then repayment of your capital is dependent on the Final Level of the Index. The Plan benefits from a safety net feature, which means as long as the Final Level of the Index is not below 60% of the Opening Level you will receive the full return of your capital. Capital will be lost however if the Final Level of the Index is below 60%. In this scenario the reduction in your original investment will equal the difference between the Opening Level and the Final Level of the Index. As such, you should be aware that you may lose some or all of your 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: 1.5% (equivalent to 6% annually) Potential to kick out quarterly from year 3 onwards Capital at risk product* Investment term: Maximum 6 Years Arrangement fee applies Minimum single investment: £5,000 Maximum NISA investment: £15,240 No maximum NISA transfer No maximum total investment Also available to businesses, charities and SIPPs Investment deadline NISA transfers: 30 December 2015 Investment deadline for direct and NISA investment by cheque: 7 January 2016 Investment deadline for direct and NISA investment by bank transfer: 13 January 2016 * The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Danske Bank A/S) to repay the monies.

SIP Nordic 4 Year FTSE 4 Quarterly Income Plan

  • The Sip Nordic 4 Year FTSE 4 Quarterly Income Plan May 2015 is a four year and two week structured investment plan providing fixed quarterly income payments throughout the term. The return of capital is dependent on the performance of four FTSE 100 shares.
  • The aim of the Plan is to provide fixed quarterly payments throughout the term of the plan. You will receive payments of 1.75% quarterly regardless of the performance of the shares, equivalent to 7% gross per year.
  • The return of capital is dependent on the performance of four FTSE 100 shares: Anglo American Plc, BP Plc, HSBC Holdings Plc and Vodafone Group Plc. As long as none of the shares have 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 quarterly income: 1.75% (equivalent to 7% per year)
  • Capital at risk investment*
  • Investment term: 4 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum NISA investment - £15,240
  • NISA transfers accepted
  • No non-NISA investment limit
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA Transfers: 23 April 2015
  • Investment deadline for direct and NISA investments by cheque: 1 May 2015
  • Investment deadline for direct and NISA investments by bank transfer: 8 May 2015
  • *The return of your initial investment depends on the performance of four FTSE 100 shares and the ability of the counterparty (Commerzbank AG) to repay your money.

Focus FTSE Contingent Income Plan

  • The Focus FTSE Contingent Income Plan January 2016 is a maximum six year and two week structured investment income plan linked to the performance of the FTSE 100 Index (‘the Index’). The Index is measured at the start of the plan and then ongoing on a quarterly basis. On each Quarterly Measurement Date, if the Index is at or above 75% of its Opening Level you will receive 1.55% income for that quarter. If the Index is below 75% of its Opening Level you will receive no income for that quarter.In addition, although the Plan has a 6 year term, it offers the opportunity to mature early every quarter from year 2 onwards. To achieve early maturity the level of the Index on a Quarterly Measurement Date must be at least 5% above the Opening Level. If the Plan does mature early then it will return your original capital plus the final income payment. If the Plan does not achieve early maturity then repayment of your capital is dependent on the Final Level of the Index.  The Plan benefits from a safety net feature, which means as long as the Final Level of the Index is not below 60% of the Opening Level you will receive the full return of your capital. Capital will be lost however if the Final Level of the Index is below 60%. In this scenario the reduction in your original investment will equal the difference between the Opening Level and the Final Level of the Index. As such, you should be aware that you may 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. Plan Details Potential quarterly income: 1.55% (equivalent to 6.2% annually) Potential to kick out quarterly from year 2 onwards Capital at risk product* Investment term: Maximum 6 Years Arrangement fee applies Minimum single investment: £5,000 Maximum ISA investment: £15,240 No maximum ISA transfer No maximum total investment Also available to businesses, charities and SIPPs Investment deadline ISA transfers: 8 January 2016  Investment deadline for direct and ISA investment by cheque: 18 January 2016  Investment deadline for direct and ISA investment by bank transfer: 22 January 2016 * 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 1, 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 ISA and ISA transfer.
10.25%per annum
No
Yes
Structured investment plan with the potential to mature after years 3, 4, 5, 6, 7, 8, 9 or 10. If the plan matures early it will return 11.45% times the number of years the plan has been in force. Also available for Stocks & Shares NISA and NISA transfer.
11.45%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 9% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
9.0%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
Structured investment plan with the potential to mature every six months from 12 months onwards. If the plan matures after 12 months it will return 16.1%, or 16.1% plus an additional 8.05% for each six months thereafter. Also available for Stocks & Shares NISA and NISA transfer.
16.1%after 12 months
No
Yes
6 year structured investment plan which aims to return 3.1 x FTSE 100 growth above 90% of inital level, capped at 64%. Also available for Stock & Shares ISA and ISA transfer.
64%
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 9.1% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
9.1%per annum
No
Yes
Structured investment plan with the potential to mature every six months from 12 months onwards. If the plan matures it will return 14.5%, or 14.5% plus an additional 7.25% for each six months thereafter. Also available for Stocks & Shares NISA and NISA transfer.
14.5%per annum
No
Yes
A 6 year structured investment plan with the potential to mature early from year 2, returning 8.4% for each year the plan is in place. Also available for Stocks & Shares NISA and NISA transfer.
8.4% per annum
No
Yes
6 year structured investment plan which aims to return 5 x FTSE 100 growth above 90% of inital level, capped at 60%. Also available for Stock & Shares NISA and NISA transfer.
60%at end of term
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 9% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
9.0%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 9% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
9% per annum
No
Yes
6 year structured investment plan which aims to return either a potential fixed return of 68% or 100% of any FTSE 100 growth if higher. Also available for stocks & shares NISA and NISA transfer.
68% fixed, or 100% growth in FTSE 100 (no limit)
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 8.5% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
8.5%per annum
No
Yes
6 year structured investment plan which aims to return 36% if the FTSE 100 is higher than 50% of Initial Level. Also available for Cash ISA and ISA transfer.
36%after 6 years
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 8.25% times the number of years the plan has been in force. Also available for Stocks & Shares ISA and ISA transfer.
8.25%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 7.1% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7.1%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
6 year structured investment plan which aims to return a fixed return of 44% if FTSE is above 85% of Start Level. Also available for Stock & Shares NISA and NISA transfer.
44%at end of term
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 7.5% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7.5%per annum
No
Yes
6 year structured investment plan which aims to return 3% for every percentage point the FTSE 100 rises above 80% of initial level, capped at 60%. Also available for Stock & Shares ISA and ISA transfer.
60%at end of term
No
Yes
Structured investment plan with the potential to mature early every quarter from year 1 onwards. If the plan matures early it will return 3% times the number of quarters the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
12.0%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% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7.0%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
Structured investment plan with the potential to mature after years 2, 3, 4, or 5. If the plan matures early it will return 7.25% times the number of years the plan has been active. Also available for Stocks & Shares NISA and NISA transfer.
7.25%per annum
No
Yes

Investec FTSE 100 Enhanced Kick Out Plan

  • The Investec FTSE 100 Enhanced Kick-Out Plan 58 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 1, 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 1, 2, 3, 4, 5 or 6 Capital At Risk Product* Alternative collateralised options available featuring additional protection, returning a potential 9% / 8% pa from year 2 onwards** Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £3,000 Maximum ISA investment - £15,240 ISA transfers accepted Maximum investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline for ISA Transfers: 29 January 2016 Investment deadline for direct and ISA investments: 12 February 2016  *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. **Alternative collateralised options are also available paying a slightly lower potential return of 9% / 8% which have the potential to kick out annually from year 2 onwards, and have additional protection features 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 either the solvency of five UK financial institutions: Aviva plc, Barclays Bank plc, Prudential plc, Standard Chartered plc and Lloyds Bank plc, or the UK Government. Please see the factsheets and brochure for details

Mariana 10:10 Plan

  • The Mariana 10:10 Plan February 2016 Option 3 is a maximum ten 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 deliver attractive fixed returns with the potential for early maturity dependent on the performance of the Index.
  • The Plan has a 10 year term, but offers the opportunity to mature early every year from year 3 onwards. If on any annual Observation Date the FTSE 100 Index is at least 10% above the Start Index Level, the Plan will mature early returning your original capital plus 11.45% gross for each year the plan has been active (not compounded). 
  • Example – if the conditions were met at the end of Year 4 the Plan would provide an interest payment of 45.8% as well as a return of your capital.
  • If the level of the Index is below 110% of the Start Level on an annual Observation Date the plan will continue until the next year. If the plan does not mature early, and on the tenth anniversary the Index level is at least 10% above the Start Index Level, the Plan will return your original capital plus a 114.5% return. However, if on the tenth anniversary the Index is below 110% of the Start Level there will be no investment returns payable and the return of your original capital will be dependent on the performance of the Index.
  • As long as the Index has not fallen by 30% or more at maturity from the Start Index Level, you will receive the full return of your original investment. Any breach in this 30% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Finish Index Level to the Start Index Level. If at the end of the plan, the Index is below this 30% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the Start Level.  It should be noted that in this scenario at least 30% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital. The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential Return: 11.45% per annum in years 3, 4, 5, 6, 7, 8, 9 or 10 Capital At Risk Product* Alternative option 1 available returning a potential 7% pa** if FTSE at or above 90%Alternative option 2 available returning a potential 9% pa** if FTSE is the same or higher Investment term - Up to 10 Years Arrangement fee applies Minimum single investment - £5,000 Maximum ISA investment - £15,240 ISA transfers accepted No Maximum investment Also available to businesses, charities and trusts Investment deadline for ISA Transfers: 22 January 2016   Investment deadline for direct and ISA investments by cheque: 2 February 2016  Investment deadline for direct and ISA investments by bank transfer: 10 February 2016  *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparty (Societe Generale) to repay your money. **Alternative options available paying a lower potential return if FTSE stays the same or is higher, or falls up to 10%

Meteor FTSE Kick Out Plan

  • The Meteor FTSE Kick Out Plan December 2015 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 deliver attractive fixed 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. If on any annual Measurement Date the FTSE 100 Index is at or above the Opening Index Level, the Plan will mature early returning your original capital plus 9% gross for each year the plan has been active (not compounded). Example – if the conditions were met at the end of Year 4 the Plan would provide an interest payment of 36% as well as a return of your capital. If the level of the Index is below the Opening Level on an annual Measurement Date the plan will continue until the next year. If the plan does not mature early, and on the sixth anniversary the Index level is at or above the Opening Initial Index Level, the Plan will return your original capital plus 54%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will be dependent on the performance of the Index. As long as the Index has not fallen by 40% or more at maturity from the Opening 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 Opening 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 Opening 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 9% gross for every year the Plan is active Capital at risk product* Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £5,000 Maximum Stocks & Shares NISA investment - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 30 November 2015 Investment deadline for direct and NISA investment by cheque: 8 December 2015 Investment deadline for direct NISA investment by bank transfer: 14 December 2015 *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (BNP Paribas) to repay the monies.

Sociate Generale UK Growth Plan

  • The SG UK Growth Plan (UK Four) Issue 6 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: 30 January 2015
  • Investment deadline for cash NISA transfers: 6 February 2015
  • Investment deadline for direct and NISA investment: 20 February 2015
  • *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.

Mariana FTSE 3 Step Down Kick Out Plan

  • The Mariana FTSE 3 Step Down Kick Out Plan 2 is a maximum six year and two week structured investment plan linked to the performance of 3 stocks in the FTSE 100 Index (‘the Index’): BP Plc, Rio Tinto Plc and Standard Chartered Plc (‘the stocks).
  • The Plan has a 6 year term, but offers the opportunity to mature early after 12 months and then at the end of each six month period thereafter. If the average levels of all 3 stocks on each of these Observation Dates are at or above their Kick Out Trigger Levels, the Plan will mature early returning your original capital and a return of 16.1% after 12 months, or 16.1% plus an additional 8.05% for each six months the plan has been active thereafter (not compounded). The Kick Out Trigger Levels of all 3 stocks are 90% of their Start Levels at the first Observation Date, gradually reducing down to 70% by the last Observation Date. Please see page 7 of the brochure for full details.
  • If the Kick Out Trigger Levels are not met then the plan will continue to the next six month Observation Date. If conditions are not met on any of the six month Observation Dates you will receive no growth returns and return of your capital may be at risk.
  • As long as none of the stocks have not fallen by more than 50% at maturity from their Start Levels, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the stocks Final Levels to their Start Levels. If therefore at the end of the plan, one or more stocks are below this 50% safety net barrier, you will lose 1% of capital for every 1% the lowest performing stock has fallen below its Start Level. It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.
  • The Plan is available for Stocks & Shares 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: 16.1% gross after 12 months, or 16.1% plus an additional 8.05% for each six months thereafter
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £15,000
  • Maximum 2014/15 Stocks & Shares NISA investment - £15,000
  • Maximum 2015/16 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: 20 March 2015
  • Investment deadline for direct, 2014/15 and 2015/16 NISA investment by cheque: 1 April 2015
  • Investment deadline for 2014/15 NISA investment by bank transfer: 2 April 2015
  • Investment deadline for direct and 2015/16 NISA investment by bank transfer: 9 April 2015
  • *The return of your capital depends on the performance of the underlying stocks and the ability of the counterparty (Morgan Stanley BV) to repay the monies.

Morgan Stanley FTSE Defensive Supertracker Plan

  • The Morgan Stanley FTSE Defensive Supertracker Plan 9 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: 26 March 2015
  • Deadline for direct and NISA applications: 2 April 2015
  • * 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 14 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 9.1% 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 18.2% (i.e. 2 x 9.1% of your original investment). If early maturity is not achieved and the Plan runs for the full term, on the sixth anniversary if the Index is equal to or higher than the Initial Index Level, the Plan will return your original capital plus 54.6%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index.
  • If the Plan achieves early maturity then your capital will be repaid in full. If the Plan does not achieve early maturity then repayment of your capital is dependent on the performance of the Index. The Plan benefits from a built in safety net feature, which means as long as the closing level of the Index has not fallen by more than 50% during the term, you will receive the full return of your original investment. Even if the Index has fallen by more than 50% during this time, as long as the Final Index Level is the same as or higher than the Initial Index Level, you will still receive a full return of capital at maturity.
  • Capital will be at risk, however, if the Index has fallen by more than 50% during the term and the Final Index Level is lower than the Initial Index Level, in which case you will lose 1% for every 1% the Final Index ends below the Initial Index. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital.The Plan is available for Stocks & Shares 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 9.1% 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: 13 March 2015
  • Investment deadline for cash NISA transfers: 20 March 2015
  • Investment deadline for direct and NISA investment: 2 April 2015
  • *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.

Mariana 3 Stock Defensive Consolation Kick Out Plan

  • The Mariana 3 Stock Defensive Consolation Kick Out Plan December 2015 is a maximum six year and two week structured investment plan linked to the performance of 3 NASDAQ Index listed technology stocks (‘the Stocks’): Apple Inc., Microsoft Corp. and Intel Corp.
  • The Plan has a 6 year term, but offers the opportunity to mature early after 12 months and then at the end of each six month period thereafter. If the levels of all 3 stocks on a Kick Out Observation Date are at or above 90% of their Start Levels, the Plan will mature early returning your original capital and a return of 14.5% after 12 months, or 14.5% plus an additional 7.25% for each six months the plan has been active thereafter (not compounded). 
  • If any of the 3 stocks are below their Start Levels on a Kick Out Observation Date then the plan will continue to the next six month Kick Out Observation Date. If conditions are not met on any of the six month Kick Out Observation Dates, at the end of the plan as long as the level of all three stocks are above 50% of their Start Levels you will receive a fixed return of 32%. 
  • As long as none of the stocks have fallen by more than 50% from their Start Levels at the end of the Plan, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the stocks Finish Levels to their Start Levels.  If at the end of the plan, one or more stocks are below this 50% safety net barrier, you will lose 1% of capital for every 1% the lowest performing stock has fallen below its Start Level.  It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital. The Plan is available for Stocks & Shares 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: 14.5% gross after 12 months, or 14.5% plus an additional 7.25% for each six months thereafter If plan does not kick out early a fixed payment of 32% provided capital return barrier not breached Capital at risk product* Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £15,000 Maximum Stocks & Shares NISA investment - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 23 November 2015 Investment deadline for direct and NISA investment by cheque: 7 December 2015 Investment deadline for direct and NISA investment by bank transfer: 16 December 2015 *The return of your capital depends on the performance of the underlying stocks and the ability of the counterparty (Commerzbank AG) to repay the monies.

Morgan Stanley FTSE Defensive Kick Out Growth Plan

  • The Morgan Stanley FTSE Defensive Kick Out Growth Plan 24 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 8.4% 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 25.2% 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 50.4%. 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: 8.4% 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: 26 March 2015
  • Deadline for direct and NISA applications: 2 April 2015
  • * 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 Defensive Growth Plan

  • The SG UK Defensive Growth Plan (UK Four) Issue 1 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 5 x any growth in the Index from 90% of 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 3% below the Initial Index Level the return will be 35% (5 x 7%). If the Final Level is 1% above the Initial Level the return will be 55% (5 x 11%). If the Final Level is 2% above the Initial Level the return will be 60% (5 x 12%). If the Final Index Level is anything above 2% of the Initial Level the return is capped at 60%
  • 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 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.
  • Potential return - 5 x growth in the FTSE 100 Index above 90% of initial level after 6 years, 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: 13 March 2015
  • Investment deadline for cash NISA transfers: 20 March 2015
  • Investment deadline for direct and NISA investment: 2 April 2015
  • *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.

Sip Nordic FTSE Kick Out Plan

  • The Sip Nordic FTSE Kick Out Plan April 2015 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 level of the Index is equal to or higher than the Opening Index Level. If the Plan does mature early then it will return your original capital plus 9% gross times the number of years the Plan has been active.
  • Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 18% (i.e. 2 x 9% of your original investment). If early maturity is not achieved and the Plan runs for the full term, on the sixth anniversary if the Index is equal to or higher than the Opening Level, the Plan will return your original capital plus 54%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index. Please note adjustment events may apply, see page 4 of the brochure for further details.
  • As long as the Index has not fallen by more than 40% at maturity from the Opening 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 Opening 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 Opening 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 2014/15 and 2015/16 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% 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 2014/15 Stocks & Shares NISA investment - £15,000
  • Maximum 2015/16 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: 25 March 2015
  • Investment deadline for 2014/15 NISA investment by bank transfer: 2 April 2015
  • Investment deadline for direct, 2014/15 and 2015/16 NISA investment by cheque: 2 April 2015
  • Investment deadline for direct & 2015/16 NISA investment by bank transfer: 8 April 2015
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.

Start Point FTSE Kick Out Plan

  • The Start Point FTSE Kick Out Plan January / February 2015 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 9% gross times the number of years the Plan has been active.
  • Example - If the conditions were met on the second anniversary, the Plan would mature early, returning your capital plus 18% (i.e. 2 x 9% of your original investment). If early maturity is not achieved and the Plan runs for the full term, on the sixth anniversary if the Index is equal to or higher than the Initial Index Level, the Plan will return your original capital plus 54%. However, if on the sixth anniversary the pre-set conditions are not met there will be no investment returns payable and the return of your original capital will depend on the performance of the Index. Please note adjustment events may apply, see page 3 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 9% gross for every year the Plan is active
  • Capital at risk product*
  • Investment term - Up to 6 Years
  • Arrangement fee applies
  • Minimum single investment - £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: 4 February 2015
  • Investment deadline for direct & NISA investment by cheque: 12 February 2015
  • Investment deadline for direct & NISA investment by bank transfer: 18 February 2015
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Morgan Stanley) to repay the monies.

Investec Defensive Enhanced Returns Plan

  • The Investec Defensive Enhanced Returns Plan 4 FTSE 100 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 68% 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 68% 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 £6,800 gross return (minimum 68% 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 £6,800 gross (minimum 68%) 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 - 68% gross or 100% of any growth in the Index if higher
  • Capital at Risk product*
  • Alternative EURO STOXX 50 option available, returning a potential 82%**
  • 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: 5 December 2014
  • Investment deadline for direct and NISA applications: 19 December 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 option is also available paying a slightly higher potential return of 82%, or 100% if higher, which is based on the EURO STOXX 50 Index rather than the FTSE 100 Index. Please see the factsheet and brochure for details.

Investec FTSE 100 Step Down Kick-Out Plan

  • The Investec FTSE 100 Step Down Kick-Out Plan 1 is a maximum six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The Plan has a 6 year term, but offers the opportunity to mature early after years 2, 3, 4 or 5. If on any Kick-Out Date the Index is above the Kick-Out Level, the Plan will mature early returning your original capital plus 8.5% gross for each year the plan has been active (not compounded). The Kick Out Levels are 100% of the Initial Index Levels 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 2nd March 2020 was above 90% of the Initial Index Level) the Plan would provide an interest payment of 34% (4 x 8.5%) as well as a return of your capital.
  • If the Index is at or below the Kick-Out Level on a Kick-Out date then the plan will continue until the following year. If conditions are not met on any of the Kick-Out Dates you will receive no growth returns and return of your capital may be at risk. 
  • 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 above 80% of 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 at or lower than 80% 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. Potential Return: 8.5% per annum in years 2, 3, 4, 5 or 6 Capital At Risk Product* Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £3,000 Maximum ISA investment - £15,240 ISA transfers accepted Maximum investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline for ISA Transfers: 29 January 2016 Investment deadline for direct and ISA investments: 12 February 2016 *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 Defensive Growth Plan

  • The Investec FTSE 100 Defensive Growth Plan 1 Investec Option is a six year structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The aim of the Plan is to provide a fixed return of 36% provided that the Final Index Level (subject to averaging) is higher than 50% of the Initial Index Level. 
  • If, at maturity, the Final Index Level is equal to or lower than 50% of the Initial Index Level, you will not receive a return and your original capital repayment will be reduced.
  • Repayment of your capital is dependent on the performance of the Index. If the Final Level of the Index has not fallen by 50% or more from its Initial Index Level then you will receive the full return of your original investment. 
  • If however at the end of the plan, the Index is below this 50% barrier, 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 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: 36% if the FTSE finishes above 50% of its initial level Capital At Risk Product* Alternative collateralised option available paying a potential 28%** Investment term - 6 Years Arrangement fee applies Minimum single investment - £3,000 Maximum ISA investment - £15,240 ISA transfers accepted Maximum investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline for ISA Transfers: 29 January 2016 Investment deadline for direct and ISA applications: 12 February 2016 *The return of your initial investment depends on the performance of the FTSE 100 Index and the ability of the counterparties to repay your money. **Alternative collateralised option is also available paying a slightly lower potential return of 28% which has 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 five UK financial institutions: Aviva plc, Barclays Bank plc, Prudential plc, Standard Chartered 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 31 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 8.25% gross times the number of years the Plan has been active. For example, if conditions were met at year three, the Plan will mature early and you will receive a full return of capital plus a growth return of 24.75% gross.  If the Plan runs for the full six years and conditions are met at the end of the term, then you will receive a return of capital plus 49.5%. If conditions are not met on any of the yearly Kick Out Dates, or at the end of year six you will receive no growth returns and return of your capital may be at risk. As long as the Index has not fallen by 50% or more at maturity from the Initial Index Level, you will receive the full return of your original investment. Any breach in this 50% safety net has the benefit of only being measured at maturity and not throughout the investment term, by comparing the Final Index Level to the Initial Index Level.  If therefore at the end of the plan, the Index is below this 50% safety net barrier, you will lose 1% of capital for every 1% the Index has fallen below the starting level.  It should be noted that in this scenario at least 50% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital. The Plan is available for Stocks & Shares NISA, NISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Potential Return: 8.25% per annum in years 3, 4, 5 or 6 Capital At Risk Product* Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £3,000 Maximum ISA investment - £15,240 ISA transfers accepted Maximum investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline for ISA Transfers: 29 January 2016 Investment deadline for direct and ISA investments: 12 February 2016 *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 14 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 7.1% 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 10th April 2019 was at least 90% or higher than its starting value) the Plan would provide an interest payment of 28.4% 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 7.1% 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: 13 March 2015
  • Investment deadline for cash NISA transfers: 20 March 2015
  • Investment deadline for direct and NISA investment: 2 April 2015
  • *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.

Mariana FTSE Defensive Digital Plan

  • The Mariana FTSE Defensive Digital Plan June 2015 is a six year and 2 week structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’). The FTSE 100 Index is measured at the start of the Plan and then again at the end of the 6 year term. If the Finish Index Level is at least 85% of the Start Index Level, a fixed return of 44% will be paid along with the return of your capital. If at maturity, the Finish Index Level is below 85% of the Start Index Level, you will not receive an investment return and your original capital may be at risk. As long as the Index 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 Finish Index Level to the Start 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. Target return - 44% if the Index if higher than 85% of Start Level Capital at Risk product* Investment term - 6 Years Arrangement fee applies Minimum single investment - £10,000 Maximum NISA investment - £15,240 NISA transfers accepted Maximum direct investment - £1,000,000 Also available to businesses, charities and trusts Investment deadline NISA transfers: 15 May 2015 Investment deadline for direct and NISA applications by cheque: 27 May 2015 Investment deadline for direct and NISA applications by bank transfer: 4 June 2015 *The return of your initial deposit depends on the performance of the FTSE 100 Index and the ability of the counterparty Royal Bank of Canada to repay your money.

Sip Nordic FTSE Defensive Kick Out Plan

  • The Sip Nordic FTSE Defensive Kick Out Plan June 2015 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 annual Measurement Date the FTSE 100 Index is at or above the required Reference Level, the Plan will mature early returning your original capital plus 7.5% gross for each year the plan has been active (not compounded). The required Reference Levels are 100% of the Opening Level of the Index at the end of Year 2, 95% at the end of Year 3, 95% at the end of Year 4, 90% at the end of Year 5, and 90% 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 7th June 2019 was at 95% or higher than its Opening Level) the Plan would provide an interest payment of 30% 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 annual Measurement 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 50% or more from the Opening 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 90% of the Opening Level you will lose 1% of capital for every 1% the Index is below the Opening 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.
  • Plan Details
  • Potential fixed payment of 7.5% 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 - £15,240
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA transfers: 19 May 2015
  • Investment deadline for direct and NISA investment by cheque: 28 May 2015
  • Investment deadline for direct NISA investment by bank transfer: 3 June 2015
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Commerzbank AG) to repay the monies.

Meteor FTSE Defensive Supertracker Plan

  • The Meteor FTSE Defensive Supertracker Plan January 2016 is a 6 year two week structured investment plan linked to the performance of the FTSE 100 Index (‘the Index’).
  • The FTSE 100 Index is measured at the start and at the end of the 6 year term. The Plan will return 3% for every percentage point the Index has grown from 80% of 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 15% below the Initial Index Level the return will be 15% (3% x 5 percentage points). If the Final Level is 5% below the Initial Level the return will be 45% (3% x 15 percentage  points). If the Final Level is the same as the Initial Level the return will be 60% (3% x 20 percentage points), the maximum return available. If the Final Index Level is anything above the Initial Level the return is capped at 60%.
  • If at maturity, the Final Index Level is lower than 80% 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 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, 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 - 3% for every percentage point the FTSE 100 Index rises above 80% of initial level after 6 years, capped at 60% Capital at risk product* Investment term - 6 Years Arrangement fee applies Minimum single investment - £5,000 Maximum Stocks & Shares NISA investment - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 4 January 2016 Investment deadline for direct and NISA investment by cheque: 12 January 2016 Investment deadline for direct NISA investment by bank transfer: 18 January 2016 *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Royal Bank of Canada) to repay the monies.

Sip Nordic FTSE 3 / FTSE 100 Defensive Kick Out Plan

  • The Sip Nordic FTSE 3 / FTSE 100 Defensive Kick Out Plan June 2015 is a maximum five year and two week structured investment plan linked to the performance of three shares within the FTSE 100 Index (‘the Index’): AstraZenica plc, Barclays plc and BHP Billiton plc (‘the shares’).
  • The Plan has a 5 year term, but offers the opportunity to mature early after 12 months and then at the end of each quarter thereafter. If the levels of all 3 shares on a Measurement Date are at or above 95% of their Opening Levels, the Plan will mature early returning your original capital and a return of 12% after 12 months, or 12% plus an additional 3% for each quarter the plan has been active thereafter (not compounded).
  • If the Levels are not met then the plan will continue to the next quarterly Measurement Date. If conditions are not met on any of the quarterly Measurement 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 40% or more at maturity from the Opening 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 Opening 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 return: 12% gross after 12 months, or 12% plus an additional 3% for each quarter thereafter
  • Capital at risk product*
  • Investment term - Up to 5 Years
  • Arrangement fee applies
  • Minimum single investment - £5,000
  • Maximum Stocks & Shares NISA investment - £15,240
  • NISA transfers accepted
  • No maximum total investment
  • Also available to businesses, charities and trusts
  • Investment deadline for NISA transfers: 12 June 2015
  • Investment deadline for direct and NISA investment by cheque: 22 June 2015
  • Investment deadline for direct NISA investment by bank transfer: 26 June 2015
  • *The return of your capital depends on the performance of the FTSE 100 Index and the ability of the counterparty (Commerzbank AG) to repay the monies.

Focus FTSE Defensive Kick Out Plan

  • The Focus FTSE Step Down Kick Out Plan January 2016 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 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 FTSE 100 Index is at or above the required Reference Level, 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 Opening Level 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 29th January 2020 was at 90% or higher than its Opening Level) 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 annual Measurement 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 its Opening Index Level, you will receive the full return of your original capital. 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 Opening 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 its Opening Level.  It should be noted that in this scenario at least 40% of your capital will be lost. As such, this investment is only appropriate for those investors willing to accept the risk that they may lose some or all of their capital. The Plan is available for Stocks & Shares ISA, ISA Transfer, Direct Investment, as well as SIPP and SSAS pension investments. It is also available to businesses, charities and trusts. Plan Details Potential fixed payment of 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 - £5,000 Maximum Stocks & Shares ISA investment - £15,240 ISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for ISA transfers: 13 January 2016  Investment deadline for direct and ISA investment by cheque: 21 January 2016  Investment deadline for direct ISA investment by bank transfer: 27 January 2016  *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.

Meteor FTSE Defensive Kick Out Plan

  • The Meteor FTSE Defensive Kick Out Plan December 2015 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 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 FTSE 100 Index is at or above the required Reference Level, the Plan will mature early returning your original capital plus 7.75% gross for each year the plan has been active (not compounded). The required Reference Levels are 100% of the Opening Level of the Index at the end of Year 2, 95% at the end of Years 3 and 4, and 90% at the end of years 5 and 6. Example – if the conditions were met at the end of Year 4 (i.e. the closing value of the Index on the 23rd December 2019 was at 95% or higher than its Opening Level) the Plan would provide an interest payment of 31% 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 annual Measurement 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 40% or more at maturity from the Opening 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 Opening Index Level.  If 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 Opening 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 - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 3 December 2015 Investment deadline for direct and NISA investment by cheque: 11 December 2015Investment deadline for direct and NISA investment by bank transfer: 17 December 2015*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.

Meteor FTSE Step Down Kick Out Plan

  • The Meteor FTSE Step Down Kick Out Plan October 2015 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 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 FTSE 100 Index is at or above the required Reference Level, the Plan will mature early returning your original capital plus 7.25% gross for each year the plan has been active (not compounded). The required Reference Levels are 100% of the Opening Level 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 30th October 2019 was at 90% or higher than the Opening Level) the Plan would provide an interest payment of 29% 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 annual Measurement 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 its Opening Index Level, you will receive the full return of your original capital. 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 Opening 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 its Opening 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 7.25% gross for every year the Plan is active Capital at risk product* Investment term - Up to 6 Years Arrangement fee applies Minimum single investment - £5,000 Maximum Stocks & Shares NISA investment - £15,240 NISA transfers accepted No maximum total investment Also available to businesses, charities and trusts Investment deadline for NISA transfers: 14 October 2015  Investment deadline for direct and NISA investment by cheque: 22 October 2015 Investment deadline for direct and NISA investment by bank transfer: 28 October 2015 *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. £12.50 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. £5.95 Card issue fee - £9.95 per month. Create Standing Orders and Direct Debits
0%
£0
£250
£9.95
No
No Credit Check basic bank account – Open to everyone 18+ & UK resident. 0.5% AER on Balances. £12.50 Opening Fee - £12.50 per month. Create Standing Orders but No Direct Debits
0.50%
£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
  • Card re-issue/replacement fee £3.95 per card
  • 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
  • Free PIN Replacements
  • Maximum card balance of £5,000

Tuxedo Guaranteed Bank Account

  • 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
  • £12.50 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

Cashplus Deluxe Current Account

  • Cashplus offers the following:
  • Instant Approval 100% Guaranteed (subject to Terms and Conditions)
  • Add Creditbuilder at no extra cost
  • Online banking - set up standing orders and Direct Debits for free
  • Free UK ATM withdrawals
  • Free to load your wages
  • Earn cashback for online shopping
  • Gold Prepaid MasterCard with unique Account Number and Sort Code
  • No credit checks to apply
  • No links to your bank account
  • No tie-ins
  • Up to £250 Overdraft available (subject to approval)
  • 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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