Alternative Savings Plans

While interest rates remain low you may be interested to know that there are alternative savings plans available that can offer the potential for higher returns. Structured deposit plans are eligible for the Financial Services Compensation Scheme (FSCS) up to £85,000 per person per institution in the same way that savings accounts are, but any returns will usually be dependent on the performance of the FTSE 100 Index.

Whether you are looking for an income, or want the potential for higher growth, you can compare structured deposit plans using the tables below:

Growth Structured Deposits
ProviderPlan NameMaximum Potential Return*TermMore Info
Kick Out Deposit Plan


per annum

Up to
6 years
More Info >
Capital protected deposit plan with the potential to mature after years 3, 4, 5 and 6. If the plan matures early it will return 3% times the number of years the plan has been in force. Also available for Cash ISA and ISA transfer.
* Maximum Growth Yields are not guaranteed and subject to certain conditions

These are structured deposit plans that are capital protected. There is a risk that the company backing the plan or any company associated with the plan may be unable to repay your initial investment and any returns stated. In this event you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS), depending on your individual circumstances.

In addition, you may not get back the full amount of your initial investment if the plan is not held for the full term. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment. If you are at all unsure of the suitability of this type of investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.