Income Best Buys

Latest Income Best Buys

BEST SELLER - Fixed Income
ProviderPlan NameCounterpartyISA OptionTermAnnual IncomeMore Info
FTSE 100 Enhanced Income PlanInvestec Bank plcyes5 years

5.04%

p.a. fixed

More Info >
  • 5.04% p.a. fixed income: tax free in an ISA
  • Monthly income: 0.42% p.m.
  • Fixed term: 5 years
  • Availability: ISA, ISA transfers and non-ISA investments  
  • Minimum investment: £3,000
  • Conditional capital protection: capital is at risk if the FTSE 100 Index falls by more than 50%
  • Arrangement fee: applies to this plan
  • Application deadlines: apply
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
BEST SELLER: 5 Year Fixed Rate Bond
Provider

Account

Type

Minimum

Deposit

Interest

Rate
 

£500

2.06%

AER fixed

More Info >
Earn 2.06% AER fixed. 5 year term. Interest can be paid monthly or annually. Minimum deposit £500, maximum deposit £250,000. No withdrawals permitted. FSCS Protected.

Gross is the interest you will receive before tax is deducted.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

FSCS stands for the Financial Services Compensation Scheme, the UK scheme which protects each saver up to £85,000 per eligible deposit.

BEST SELLER: Instant Access
ProviderAccountInterest Rate (AER)TermApply
1.10%Instant AccessMore Info >
MARKET LEADING: Earn 1.10% gross/AER Instant Access. No notice periods. Unlimited payments and withdrawals. Pay in from £100. RCI Bank are protected up to a total of €100,000 by the FGDR, the French deposit protection scheme. Manage account online.

Gross is the interest you will receive before tax is deducted.

AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once each year.

Investing for High Income
ProviderPlan NameCounterpartyISA OptionTermMaximum Potential IncomeMore Info
FTSE Contingent Income PlanNatixisyesUp to 10 years

8.20%

per annum

More Info >
Maximum 10 year structured investment plan paying a potential quarterly income of 2.05% (equivalent to 8.2% annually) and the opportunity to mature early from year 2 onwards. Also available as a Stocks & Shares ISA investment and ISA transfer.
FTSE 100 Kick-Out Income PlanInvestec Bank plcyesUp to 6 years

7.40%

per annum

More Info >
6 year investment plan paying a potential quarterly income of 1.85% (equivalent to 7.40% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.
FTSE Defensive Income Kick Out PlanNatixisyesMaximum 7 years

7.00%

per annum

More Info >
A 7 year structured investment plan paying a potential quarterly income of 1.75% (equivalent to 7.00% per year),and the opportunity to kick out from the end of year 1 onwards. Also available for Stocks & Shares ISA and ISA transfer.
FTSE Contingent Income PlanCredit Suisse AGyesUp to
6 years

6.40%

per annum

More Info >
A maximum 6 year investment plan paying a potential quarterly income of 1.60% (equivalent to 6.40% per year) and the opportunity to mature early. Also available for Stocks & Shares ISA and ISA transfer.
FTSE 100 Defined Income PlanInvestec Bank plcyes6 years

6.00%

per annum

More Info >
6 year investment plan paying a potential quarterly income of 1.5% (equivalent to 6% annually). Available as a Stocks & Shares ISA, non-ISA investment and ISA transfer.
Important Information: Structured investment plans are not capital protected and are not covered by the Financial Services Compensation Scheme (FSCS) for default alone. Income and growth returns are not guaranteed. There is a risk of losing some or all of your initial investment due to the performance of the underlying investment. There is also a risk that the company backing the plan known as the Counterparty may be unable to repay your initial investment and any returns stated.
Fixed Rate Bond Alternatives
ProviderPlan NameDeposit TakerISA OptionTermMaximum Potential ReturnMore Info
6 Year Defensive Deposit PlanInvestec Bank plcyes6 years

25%

at end of term

More Info >
  • 25% fixed return if the Index is higher than 95% of its Initial Level
  • Capital protected
  • Low minimum - £3,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
FTSE Defensive Deposit Growth PlanCredit Suisse Internationalyes6 years

24%

at end of term

More Info >
  • 24% fixed return if the Index is at or above 95% of its Initial Level
  • Capital protected
  • Low minimum - £5,000
  • Medium/longer term alternative to fixed rates
  • Available for Cash ISA,  ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
4 Year Deposit PlanInvestec Bank plcyes4 years

12%

at end of term

More Info >
  • 12% fixed return if the Index is higher
  • Capital protected
  • Low minimum - £3,000
  • Short/medium alternative to fixed rates
  • Available for Cash ISA, ISA Transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital
Kick Out Deposit PlanInvestec Bank plcyesUp to
6 years

3%

per annum

More Info >
  • 3% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Available for Cash ISAs, ISA transfers and non-ISA
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Limited offer - deadlines apply. May close early if oversubscribed
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 

Important Information: Structured deposits offer you the potential to earn higher returns than you would with a regular savings account. Your returns are based on the performance of an index or commodity. If the investment does not perform well you may receive no income or capital growth, but you can be confident that your capital will be repaid. You have no access to your deposit during the term of the account, typically 3 to 6 years but your original capital will be repaid in full at the end of the term. In the event that the deposit taker is unable to repay your initial investment and any returns stated you may be entitled to compensation from the Financial Services Compensation Scheme (FSCS) depending on your individual circumstances.

 Important Risk Information:

This website contains information only and does not constitute advice or a personal recommendation in any way whatsoever. The value of investments and income from them can fall as well as rise and you may not get back the full amount invested. The tax efficiency of ISAs is based on current tax law and there is no guarantee that tax rules will stay the same in the future. The products shown will be arranged on a non-advisory basis, unless otherwise agreed. Different types of investment carry different levels of risk and may not be suitable for all investors.

Please ensure that you read the Important Risk Information for further details. Prior to making any decision to invest, you should ensure that you are familiar with the risks associated with a particular investment and should read the product literature.  If you are at all unsure of the suitability of a particular product for your circumstances you should seek independent financial advice. Please refer to our Non Advisory Terms of Business and Disclaimer & Privacy Statement  for further information.

The Financial Conduct Authority does not regulate taxation and trust advice, debt management, unsecured loans, credit cards, advice on household bills and some aspects of deposits, buy to let mortgages and secured loans. The information and content of this website is subject to the UK regulatory regime and is therefore intended for UK consumers.