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 & US Step Down 65 Kickout Plan - CA45 | 08/10/2026 | 9.10% p.a. | Credit Agricole | FTSE 100 & S&P 500 | Capital Gains | 2 years | 6 years |
| 5Y UK Kickout Plan - CA44 | 08/10/2026 | 9.05% p.a. | Credit Agricole | FTSE 100 | Capital Gains | 2 years | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK & EU Monthly Defensive 90 Kick Out Plan - GS-29 | 02/10/2026 | 0.7709% p.m. | Goldman Sachs | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| 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 |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 3 Stock Defensive Autocall Plan - Issue 17 | 18/09/2026 | 9.50% Semi-Annual | Citigroup | Barclays PLC - JD Sports Fashion PLC - The Sage Group PLC | Capital Gains | 1 year | 7 years |
| FTSE 100 EW45 Conditional Memory Quarterly Autocall Plan - Issue 48 | 14/10/2026 | 1.90% quarterly | Citigroup | FTSE 100 EW45 | Income | 2 years | 10 years |
| FTSE 100 EW45 Super Defensive Annual Autocall Plan - Issue 32 | 14/10/2026 | 8.50% p.a. | Citigroup | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| FTSE 100 EW45 Semi-Annual Autocall Plan - Issue 09 | 14/10/2026 | 5.25% Semi-Annual | Citigroup | FTSE 100 EW45 | Capital Gains | 3 years | 10 years |
| FTSE 100 EW45 Defensive Semi-Annual Autocall Plan - Issue 10 | 14/10/2026 | 4.75% semi-annual | Citigroup | 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 - CIBC56 | 14/09/2026 | 7.15% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| 6Y UK Defensive 85 Step Down Kickout Plan - CIBC57 | 14/09/2026 | 8.00% p.a. | CIBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| 5Y UK & Europe Defensive Step Down 70 Kickout Plan - CIBC58 | 30/09/2026 | 9.00% p.a. | CIBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| 5Y Tech Step Down Kickout Plan - CIBC61 | 06/10/2026 | 14.50% p.a. | CIBC | Microsoft - Alphabet - Amazon | Capital Gains | 2 years | 5 years |
| 6Y Japan Monthly Conditional Income 75 Kickout Plan - CIBC60 | 07/10/2026 | 0.835% p.m. | CIBC | Nikkei 225 | Income | 1 year | 6 years |
| 5Y Tech Step Down Kickout Plan - CIBC59 | 07/10/2026 | 15.00% p.a. | CIBC | Nvidia - Alphabet - Amazon | Capital Gains | 1 year | 5 years |
| 6Y UK Defensive 75 Step Down Kickout Plan - CIBC62 | 14/10/2026 | 7.40% 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 |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| Nikkei 225 Monthly Fixed Income - MS10820 | 11/09/2026 | 0.585% p.m. | Morgan Stanley | Nikkei 225 | Income | N/A | 5 years |
| Nikkei 225 Semi-Annual Mid Step Down to 85 Kick Out - MS10834 | 16/09/2026 | 5.775% semi-annual | Morgan Stanley | Nikkei 225 | Capital Gains | 1 year | 4 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| 10:10 Plan - Issue 86 | 09/10/2026 | Option 1 - 8.00% p.a. Option 2 - 9.20% p.a. | Citigroup | FTSE CSDI | Capital Gains | 2 years | 10 years |
| 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 |
|---|---|---|---|---|---|---|---|
| FTSE CSDI Kick Out Plan - September 2026 | 18/09/2026 | Option 1 - 8.30% Option 2 - 9.45% Option 3 - 10.55% | BNP Paribas | FTSE CSDI | Capital Gains | 3 years | 8 years |
| 3 Stock Monthly Step Down Kick Out Plan - October 2026 | 09/10/2026 | 1.70% p.m. | Societe Generale | BP PLC - Intel Corporation - GlaxoSmithKline PLC | Capital Gains | 1 year | 5 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK/US 5Y Monthly 80 Income Kick Out Plan (Y2 65) - BA10837 | 15/09/2026 | 0.7175% p.m. | Barclays Bank plc | FTSE 100 & S&P 500 | Income | 2 years | 5 years |
| US/Europe 6Y Quarterly 80 Income Kick Out Plan (Y2 65) - BA10816 | 15/09/2026 | 2.3375% quarterly | 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) - BA10838 | 16/09/2026 | 10.10% 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) - BA10836 | 17/09/2026 | 9.66% p.a. | Barclays Bank plc | S&P 500 & Euro Stoxx 50 | Capital Gains | 1 year | 5 years |
| UK 5Y Quarterly Step Down to 85 Kick Out Plan (Y2 65) - BA10877 | 25/09/2026 | 1.825% quarterly | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/Europe Annual Step Down to 85 Kick Out Plan (Y2 65) - BA10885 | 02/10/2026 | 10.10% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/Europe 6Y Monthly 85 Income Kick Out Plan (Y2 65) - BA10915 | 07/10/2026 | 0.7875% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 6Y Monthly 70 Income Kick Out Plan (Y2 65) - BA10913 | 07/10/2026 | 0.645% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 6Y Monthly 80 Income Kick Out Plan (Y2 65) - BA10920 | 08/10/2026 | 0.7225% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 6Y Annual Step Down to 60 Kick Out Plan (Y2 60) - BA10919 | 08/10/2026 | 8.15% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK 5Y Annual 100 Kick Out Plan (Y2 65) - BA10918 | 08/10/2026 | 8.35% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/US 5Y Annual Step Down to 65 Kick Out Plan (Y2 65) - BA10917 | 08/10/2026 | 8.40% p.a. | Barclays Bank plc | FTSE 100 & S&P 500 | Capital Gains | 2 years | 5 years |
| UK/Europe 6Y Annual Step Down to 65 Kick Out Plan (Y2 60) - BA10916 | 08/10/2026 | 8.30% p.a. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| Europe 5Y Annual 100 Kick Out Plan (Y2 60) - BA10933 | 14/10/2026 | 10.25% p.a. | Barclays Bank plc | Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK/US/Europe 5Y Monthly 65 Income Kick Out Plan (Y2 65) - BA10921 | 14/10/2026 | 0.6675% p.m. | Barclays Bank plc | FTSE 100, S&P 500 & Euro Stoxx 50 | Income | 2 years | 5 years |
| US/Europe 5Y Annual 100 Kick Out (Y2 65) - BA10934 | 14/10/2026 | 12.00% p.a. | Barclays Bank plc | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK 5Y Annual Step Down to 80 Kick Out Plan (Y2 60) - BA10940 | 15/10/2026 | 7.00% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK 5Y Annual Step Down to 75 Kick Out Plan (Y2 65) - BA10942 | 15/10/2026 | 7.00% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK 5Y Annual Step Down to 85 Kick Out Plan (Y2 60) - BA10941 | 15/10/2026 | 7.30% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 5 years |
| UK/Europe 5Y Monthly 90 Kick Out Plan (Y2 65) - BA10946 | 15/10/2026 | 0.7725% p.m. | Barclays Bank plc | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| UK 4Y Annual 95 Kick Out Plan (Y2 65) - BA10943 | 15/10/2026 | 7.76% p.a. | Barclays Bank plc | FTSE 100 | Capital Gains | 2 years | 4 years |
| 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 |
| 10Y Fixed Growth Capital Protected Recallable - BA10951 | 19/10/2026 | 7.52% p.a. | Barclays Bank plc | N/A | Income | 2 years | 10 years |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| FTSE/STOXX Annual 100 Kick Out Plan - CR10846 | 28/09/2026 | 12.30% 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 - CR10847 | 28/09/2026 | 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 - CR10845 | 28/09/2026 | 8.55% p.a. | Credit Agricole | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| FTSE/STOXX Monthly 85 Kick Out - NA10868 | 28/09/2026 | 0.71% p.m. | Natixis | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| FTSE/STOXX Monthly 90 Kick Out - NA10869 | 28/09/2026 | 0.77% p.m. | Natixis | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 5 years |
| FTSE Annual 100 Kick Out Plan - BN10907 | 09/10/2026 | 8.40% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 5 years |
| FTSE Annual Step Down to 80 Kick Out Plan - BN10908 | 09/10/2026 | 7.25% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 65 Kick Out Plan - BN10910 | 09/10/2026 | 6.80% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| FTSE Annual Step Down to 75 Kick Out Plan - BN10909 | 09/10/2026 | 7.15% p.a. | BNP Paribas | FTSE 100 | Capital Gains | 2 years | 6 years |
| STOXX Annual Step Down to 65 Kick Out - BN10911 | 09/10/2026 | 8.40% p.a. | BNP Paribas | 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/Europe 6Y Monthly 85 Kick Out (Y2 65) - HS10823 | 11/09/2026 | 0.677% p.m. | HSBC | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK 6Y Quarterly Step Down to 80 Kick Out Plan (Y2 65) - HS10851 | 28/09/2026 | 1.8125% quarterly | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK/Europe 6Y Quarterly 75 Income Kick Out (Y2 65) - HS10887 | 05/10/2026 | 2.05% quarterly | HSBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| UK/Europe 6Y Monthly 80 Income Kick Out (Y2 65) - HS10912 | 07/10/2026 | 0.72% p.m. | HSBC | FTSE 100 & Euro Stoxx 50 | Income | 2 years | 6 years |
| 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 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 |
| Plan name | Closing date | Potential return | Counterparty | Underlyings | Taxation | 1st kick out opp. | Max term |
|---|---|---|---|---|---|---|---|
| UK & US Annual Kick Out Plan - MS241 | 11/09/2026 | 11.00% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK & US Step Down Kick Out Plan - MS242 | 11/09/2026 | 9.50% p.a. | Morgan Stanley | FTSE 100 & S&P 500 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS744 | 16/09/2026 | 7.40% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| UK Step Down Kick Out Plan - HS745 | 16/09/2026 | 7.65% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - HS746 | 16/09/2026 | 8.60% p.a. | HSBC | FTSE 100 | Capital Gains | 1 year | 6 years |
| Europe & US Defensive Step Down Kick Out Plan - HS747 | 16/09/2026 | 8.85% p.a. | HSBC | S&P 500 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK Step Down Kick Out Plan - CT169 | 18/09/2026 | 7.25% p.a. | Citigroup | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK 95% Annual Kick Out Plan - HS748 | 18/09/2026 | 7.75% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| UK Step Down Kick Out Plan - HS749 | 18/09/2026 | 7.00% p.a. | HSBC | FTSE 100 | Capital Gains | 2 years | 6 years |
| Europe Step Down Kick Out Plan - HS751 | 18/09/2026 | 9.00% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| Japan Step Down Kick Out Plan - HS752 | 18/09/2026 | 11.50% p.a. | HSBC | Nikkei 225 | Capital Gains | 1 year | 6 years |
| Europe Annual Kick Out Plan - HS750 | 18/09/2026 | 10.00% p.a. | HSBC | Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK & Europe Defensive Step Down Kick Out Plan - GS218 | 25/09/2026 | 8.60% p.a. | Goldman Sachs | FTSE 100 & Euro Stoxx 50 | Capital Gains | 2 years | 6 years |
| UK Annual Kick Out Plan - GS216 | 25/09/2026 | 8.75% p.a. | Goldman Sachs | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK Annual Kick Out Plan - GS217 | 25/09/2026 | 9.00% p.a. | Goldman Sachs | FTSE 100 | Capital Gains | 2 years | 7 years |
| UK & Europe Step Down Kick Out Plan - CT171 | 09/10/2026 | 10.00% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |
| UK & Europe Annual Kick Out Plan - CT170 | 09/10/2026 | 12.00% p.a. | Citigroup | FTSE 100 & Euro Stoxx 50 | Capital Gains | 1 year | 6 years |