Structured investment products
We offer a wide range of products with the potential for growth on your investment or regular income
Structured investments aim to offer a defined return based on the performance of an index, indices or a basket of shares. We offer a wide range of products with the potential for growth on your investment or regular income.
Investments run for between 5-10 years with many structured investment products offering the potential to mature early (kick-out) subject to certain conditions being met.
It’s important to fully understand your chosen investment. Your capital is at risk and if the associated index or shares do not perform as required by the product you could lose some or all of the money you invest.
We also offer a range of Structured Deposit Products that offer a greater level of protection to your original capital
Investment term
The plans are available with terms between 5-10 years, a number of these plans come with the ability to mature early, however you should always be prepared for your plan to run for the full term
Low application fee
Our application fee is just 0.5%, this can be paid direct to us or you can have the fee deducted from your investment
Know the risks
It’s important to read and understand the risks for your chosen product, full details of these can be found in the plan brochure and key information document
Structured investment plans
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 6Y UK Monthly Fixed Income Plan - MS77 | 28/10/2026 | 0.50% p.m. (6.00% p.a.) | Morgan Stanley | FTSE 100 | Income | N/A | 6 years |
| 6Y UK & Europe Step Down 65 Kickout Plan - CA46 | 04/11/2026 | 9.50% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK & EU 60/60 Step Down Kick Out Plan - CIT-06 | 16/10/2026 | 8.25% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Three Stock Defensive 50 Growth Plan - BNP-22 | 16/10/2026 | 47.00% after 2 years (23.5% p.a.) | BNP Paribas | Alphabet Inc - Intel Corp - Microsoft Corp | Capital Gains | N/A | 2 years |
| UK 6 Year Fixed Monthly Income Plan - GS-32 | 06/11/2026 | 0.5042% p.m. (6.05% p.a.) | Goldman Sachs | FTSE 100 | Income | N/A | 6 years |
| UK Step Down Kick Out Plan - CA-24 | 20/11/2026 | 7.75% p.a. | Credit Agricole | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK & EU Step Down 60% Kick Out Plan - MS-10 | 20/11/2026 | 8.70% p.a. | Morgan Stanley | FTSE 100 & Euro Stoxx 50 | Capital Gains | 3 years | 6 years |
| 10 Year UK EW45 Quarterly Kick Out Plan - SG-06 | 23/11/2026 | 2.625% quarterly (10% p.a.) | Societe Generale | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 6Y UK Defensive Step Down 65 Kickout Plan - CIBC65 | 23/10/2026 | 7.00% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| 6Y UK Defensive 85 Step Down Kickout Plan - CIBC64 | 23/10/2026 | 7.75% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| 10Y Fixed Growth Recallable Plan - CIBC63 | 27/10/2026 | 7.55% p.a. | CIBC | N/A | Income | 2 years | 10 years |
| 7Y UK & Europe Monthly Conditional 70 Income Kickout Plan - CIBC66 | 04/11/2026 | 0.6675% p.m. (8.01% p.a.) | CIBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 7 years |
| 6Y Japan Monthly Conditional Income 65 Kickout Plan - CIBC68 | 23/11/2026 | 0.6875% p.m. (8.25% p.a.) | CIBC | Nikkei 225 | Income | 2 years | 6 years |
| 5Y UK & Europe Defensive Step Down 70 Kickout Plan - CIBC67 | 23/11/2026 | 9.00% p.a. | CIBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| US & Europe Defensive Step Down Kick Out Plan - Issue 4 | 23/10/2026 | 8.85% p.a. | Citigroup | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| Dual Index Super Defensive Kick Out Plan - November 2026 | 13/11/2026 | 8.95% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 3 years | 7 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK/US 5Y Annual Step Down to 80 Kick Out Plan (Y2 60) - BA10955 | 16/10/2026 | 9.00% p.a. | Barclays Bank plc | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| UK/Europe 7Y Annual Step Down to 65 Kick Out (Y2 65) - BA10956 | 16/10/2026 | 8.65% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 7 years |
| UK 5Y Monthly Fixed Income Plan (65) - BA10975 | 30/10/2026 | 0.4825% p.m. (5.79% p.a.) | Barclays Bank plc | FTSE 100 | Income | N/A | 5 years |
| UK/US/Europe 5Y Annual Step Down to 55 Kick Out Plan (Y2 55) - BA10974 | 30/10/2026 | 8.20% p.a. | Barclays Bank plc | FTSE 100, S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| US/Europe 6Y Quarterly 75 Income Kick Out Plan (Y2 65) - BA11012 | 05/11/2026 | 2.25% quarterly (9.00% p.a.) | Barclays Bank plc | S&P 500 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 5Y Annual Step Down to 85 Kick Out (Y2 60) - BA11014 | 06/11/2026 | 10.05% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| US/Europe 5Y Annual Step Down to 70 Kick Out (Y1 65) - BA11015 | 06/11/2026 | 9.45% p.a. | Barclays Bank plc | S&P 500 & Euro Stoxx 50 | Capital Gains | 1 year | 5 years |
| 10Y Fixed Growth Capital Protected Recallable - BA11021 | 09/11/2026 | 7.80% p.a. | Barclays Bank plc | N/A | Income | 2 years | 10 years |
| UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) - BA11039 | 10/11/2026 | 1.8625% quarterly | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/US 5Y Monthly 75 Income Kick Out Plan (Y2 65) - BA11040 | 12/11/2026 | 0.6675% p.m. | Barclays Bank plc | FTSE 100 & S&P 500 | Income | 2 years | 5 years |
| UK/Europe Annual Step Down to 85 Kick Out Plan (Y2 65) - BA11057 | 17/11/2026 | 10.25% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/Europe 6Y Monthly 65 Income Kick Out Plan (Y2 65) - BA11066 | 25/11/2026 | 0.6575% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK 5Y Annual 100 Kick Out Plan (Y2 65) - BA11067 | 25/11/2026 | 8.80% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| FTSE Monthly Fixed Income Plan - NA10960 | 21/10/2026 | 0.485% p.m. (5.82% p.a.) | Natixis | FTSE 100 | Income | N/A | 6 years |
| FTSE/STOXX Quarterly 80 Income Kick Out - CR10978 | 12/11/2026 | 2.34% quarterly | Credit Agricole | FTSE 100 | Income | 2 years | 8 years |
| FTSE/STOXX Quarterly 65 Income Kick Out - CR10979 | 12/11/2026 | 1.97% quarterly | Credit Agricole | FTSE 100 | Income | 2 years | 8 years |
| FTSE/STOXX Annual 100 Kick Out Plan (Option 1) - CR10984 | 13/11/2026 | 12.40% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| FTSE/STOXX/S&P Annual Step Down to 65 Kick Out - CR10986 | 13/11/2026 | 10.00% p.a. | Credit Agricole | FTSE 100, S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE/STOXX Annual Step Down to 60 Kick Out - CR10987 | 13/11/2026 | 8.90% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE/STOXX Annual 100 Kick Out Plan (Option 2) - CR10985 | 13/11/2026 | 12.10% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 5 years |
| FTSE/STOXX/S&P Annual Step Down to 55 Kick Out - CR10988 | 13/11/2026 | 9.15% p.a. | Credit Agricole | FTSE 100, S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE Annual 100 Kick Out Plan - BN11007 | 23/11/2026 | 8.75% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 5 years |
| FTSE Annual Step Down to 80 Kick Out Plan - BN11008 | 23/11/2026 | 7.60% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 75 Kick Out Plan - BN11009 | 23/11/2026 | 7.55% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 65 Kick Out Plan - BN11010 | 23/11/2026 | 7.15% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| STOXX Annual Step Down to 65 Kick Out - BN11011 | 23/11/2026 | 8.60% p.a. | BNP Paribas | Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE Quarterly 85 Income Kick Out Plan - CG11016 | 25/11/2026 | 1.91% quarterly | Citigroup | FTSE 100 | Income | 1 year | 7 years |
| FTSE/STOXX Monthly 85 Kick Out - NA11028 | 27/11/2026 | 0.73% p.m. | Natixis | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| FTSE/STOXX Monthly 90 Kick Out - NA11029 | 27/11/2026 | 0.80% p.m. | Natixis | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK/US 6Y Annual Step Down to 75 Kick Out (Y2 65) - HS10935 | 16/10/2026 | 8.60% p.a. | HSBC | FTSE 100 & S&P 500 | Capital Gains | 2 years | 6 years |
| UK/US 6Y Monthly Fixed Income Plan (65) - HS10944 | 16/10/2026 | 0.5125% p.m. (6.15% p.a.) | HSBC | FTSE 100 & S&P 500 | Income | N/A | 6 years |
| UK/US 5Y Annual Step Down to 65 Kick Out (Y2 65) - HS10949 | 30/10/2026 | 8.00% p.a. | HSBC | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| UK 6Y Quarterly 100 Kick Out (Y3 65) - HS10950 | 30/10/2026 | 2.00% quarterly | HSBC | FTSE 100 | Capital Gains | 3 years | 6 years |
| UK 5Y Monthly Fixed Income Plan (65) - HS10966 | 30/10/2026 | 0.4792% p.m. (5.75% p.a.) | HSBC | FTSE 100 | Income | N/A | 5 years |
| UK/Europe 5Y Quarterly 85 Kick Out (Y3 65) - HS10973 | 30/10/2026 | 2.1625% quarterly (8.65% p.a.) | HSBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 3 years | 5 years |
| UK/Europe 6Y Quarterly 75 Income Kick Out (Y2 65) - HS11031 | 24/11/2026 | 2.025% quarterly (8.10% p.a.) | HSBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK 6Y Quarterly Step Down to 80 Kick Out Plan (Y2 65) - HS11030 | 25/11/2026 | 1.8375% quarterly (7.35% p.a.) | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| US/Europe 6Y Quarterly 80 Income Kick Out (Y2 65) - HS11032 | 25/11/2026 | 2.25% quarterly (9.00% p.a.) | HSBC | S&P 500 & Euro Stoxx 50 | Income | 2 years | 6 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK & US Annual Kick Out Plan - MS243 | 16/10/2026 | 10.50% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK & US Step Down Kick Out Plan - MS244 | 16/10/2026 | 9.00% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS754 | 16/10/2026 | 7.30% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS755 | 16/10/2026 | 7.50% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - HS756 | 16/10/2026 | 8.30% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| Europe & US Defensive Step Down Kick Out Plan - HS757 | 16/10/2026 | 8.50% p.a. | HSBC | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK Step Down Kick Out Plan - CT174 | 30/10/2026 | 7.50% p.a. | Citigroup | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK 95% Annual Kick Out Plan - HS758 | 30/10/2026 | 7.85% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Step Down Kick Out Plan - HS759 | 30/10/2026 | 7.20% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| Europe Step Down Kick Out Plan - HS761 | 30/10/2026 | 9.00% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| Japan Step Down Kick Out Plan - HS762 | 30/10/2026 | 10.75% p.a. | HSBC | Nikkei 225 | Capital Gains | 1 year | 6 years |
| Europe Annual Kick Out Plan - HS760 | 30/10/2026 | 10.00% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| US Annual Kick Out Plan - HS763 | 06/11/2026 | 8.50% p.a. | HSBC | S&P 500 | Capital Gains | 2 years | 6 years |
| US Step Down Kick Out Plan - HS764 | 06/11/2026 | 8.00% p.a. | HSBC | S&P 500 | Capital Gains | 2 years | 6 years |
| US Defensive Step Down Kick Out Plan - HS765 | 06/11/2026 | 7.50% p.a. | HSBC | S&P 500 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - CT177 | 18/11/2026 | 8.50% p.a. | Citigroup | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK & Europe Defensive Step Down Kick Out Plan - MS245 | 18/11/2026 | 8.75% p.a. | Morgan Stanley | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - CT176 | 18/11/2026 | 8.35% p.a. | Citigroup | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK & Europe Step Down Kick Out Plan - CT179 | 20/11/2026 | 10.25% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK & Europe Annual Kick Out Plan - CT178 | 20/11/2026 | 12.25% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |