Earn more on your cash!

Compare latest cash options for UK savers.

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

6.5% pa or 2 x FTSE 100 Growth

  • Up to 8 year term
  • 1.625% per quarter (6.5% pa) – if the Deposit Taker ends the plan early
  • 2 x FTSE 100 Index  growth (no cap) – if the plan runs for the full term
  • Available as cash ISA, non ISA or ISA transfer
  • Deposit taker: Goldman Sachs International Bank

More Plan Details »

Our view: If capital protection is a top priority, yet you still want to achieve high growth returns this plan from IDAD could be an interesting option.

Important Information: This is a structured deposit plan and is 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.

Account
Aldermore Easy Access Account
Interest Rate
1.25%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
RCI Bank Freedom Savings Account
Interest Rate
1.20%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Shawbrook Bank 120 Day Notice Account
Interest Rate
1.45%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
1.30%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Nationwide 1 Year Triple Access Online Saver
Interest Rate
1.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Nationwide 1 Year Triple Access Cash ISA
Interest Rate
1.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Shawbrook Bank 7 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
7 Years
Minimum Deposit
£1,000
Plan Name

IDAD The Callable Deposit Plan 

Potential Return
6.5% pa
or 2 x Index growth
Term
Maximum 8 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return
39%
at end of term
Term
6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 Kick Out Deposit Plan

Maximum Potential Return
5.0%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 3 Year Defensive Deposit Plan

Maximum Potential Return
9%
at end of term
Term
3 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Account
Aldermore Easy Access Account
Interest Rate
1.25%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
RCI Bank Freedom Savings Account
Interest Rate
1.20%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Nationwide 1 Year Triple Access Online Saver
Interest Rate
1.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Shawbrook Bank 120 Day Notice Account
Interest Rate
1.45%
Gross/AER
Term
120 Day Notice
Minimum Deposit
£1,000
Account
Aldermore 30 Day Notice Account
Interest Rate
1.30%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Shawbrook Bank 45 Day Notice Account
Interest Rate
1.30%
Gross/AER
Term
45 Day Notice
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
1.50%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 2 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
RCI Bank 3 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.90%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Ford Money Flexible Cash ISA
Interest Rate
0.85%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Nationwide 1 Year Triple Access Cash ISA
Interest Rate
1.00%
Gross/AER
Term
1 Year, with option to make three free withdrawals
Minimum Deposit
£1
Account
Ford Money 1 Year Cash ISA
Interest Rate
1.25%
Gross/AER
Term
1 Year
Minimum Deposit
£500
Account
Ford Money 2 Year Cash ISA
Interest Rate
1.35%
Gross/AER
Term
2 Years
Minimum Deposit
£500
Account
Shawbrook Bank 3 Year Fixed Rate Cash ISA
Interest Rate
1.35%
Gross/AER
Term
3 Years
Minimum Deposit
£1,000
Account
Shawbrook Bank 5 Year Fixed Rate Cash ISA
Interest Rate
1.40%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Nationwide FlexDirect Current Account
Interest Rate
5.00%
AER fixed on balanced up to £2,500
Funding Required
£1,000 per month
Overdraft rate
0% for 12 months
Account
Think Money Mobile App Bank Account
Details
Hassle-free banking with the Think Money Current Account. A new way to manage and stay in control of your money with our banking app
Spend & Transfer Money Abroad
Account fee
£10 per month
Account
Virgin Money Current Account
Interest Rate
0.50%
AER fixed on balances up to £2,000
Funding Required
No Minimum
Overdraft rate
19.90% EAR
Account
Bunq Premium Mobile App Bank Account
Details
A revolutionary mobile bank, built from a clean slate, dedicated to your wants and needs. Get the freedom to spend, save, move and invest your money whichever way you like
Spend & Transfer Money Abroad
Account fee (EUR)
7.99 EUR per month
Account
Revolut Mobile App Bank Account
Details
Modern banking: set up and manage current account directly from your phone
Spend & Transfer Money Abroad for Free
Account fee
£0 to £12.99 per month
Account
Monese Multi-Currency Mobile App Bank Account
Details
Multi-currency banking app that provides you with fast and free current accounts in 31 countries
Spend & Transfer Money Abroad for Free
Account fee
£0 to £14.95 per month
Account
Santander 1|2|3 Current Account
Interest Rate
1.50%
AER fixed on balances up to £20,000
Funding Required
£500 per month
Overdraft rate
Up to £3 per day
Plan Name

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return
39%
at end of term
Term
6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

IDAD The Callable Deposit Plan 

Potential Return
6.5% pa
or 2 x Index growth
Term
Maximum 8 years
ISA Option

Deposit Taker: Goldman Sachs International Bank

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 Kick Out Deposit Plan

Maximum Potential Return
5.0%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 6 Year Defensive Deposit Plan

Fixed Return
18%
if FTSE higher, 9% if lower
Term
6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 3 Year Deposit Plan

Maximum Potential Return
13%
at end of term
Term
3 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 3 Year Defensive Deposit Plan

Maximum Potential Return
9%
at end of term
Term
3 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Plan Name

Investec FTSE 100 Defensive Kick Out Deposit Plan

Maximum Potential Return
4.0%
per annum
Term
Up to 6 years
ISA Option

Deposit Taker: Investec Bank plc

Important Information: This is a structured deposit plan and is 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.

Account
Tide Business Current Account
Details
Powerful and simple business account - built to make your life easier. For companies of all shapes and sizes. Trusted by 130,000+ UK businesses
Debit Card
Monthly Account Fee
FREE

Get £50! Open a business current account with Tide & Fair Investment*

*£50 and a year of free transfers when you open a business account. T&Cs apply. Use the code: FAIRINVESTMENT

Account
Cashplus Business Account
Details
The Current Account of Today. No credit checks to apply. Instant approval once we verify your details. Real time banking services at a click or tap
Debit Card
Monthly Account Fee
No Monthly Fee
Account
Anna Business Current Account
Details
ANNA Money is the business current account for startups, small businesses and sole traders
Debit Card
Monthly Account Fee
FREE for 6 months*
Account
Monese Business Current Account
Details
Mobile account for UK registered businesses. Fast to open, free contactless card, and supported in 14 languages
Debit Card
Monthly Account Fee
£9.95 per month
Account
Revolut Business Current Account
Details
A global business current account for easy international payments, with prepaid business cards
Debit Card
Monthly Account Fee
From £25 per month
Account
HSBC UK Business Current Account - Start Up
Details
Start your business account with HSBC and you’ll receive free banking for the first 18 months and a Best Tariff Promise
Debit Card
Monthly Account Fee
FREE for 18 months
Account
HSBC UK Business Current Account - Switching
Details
Switch your business account to HSBC and you’ll receive free banking for the first 12 months and a Best Tariff Promise
Debit Card
Monthly Account Fee
FREE for 12 months
Account
Aldermore Bank 1 Year Business Fixed Rate Bond
Interest Rate
1.10%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Type of Card
FairFX Pre-Paid Business MasterCard
No Credit Check to Open
Details

Issue FairFX MasterCards to staff, and use the online platform to instantly load cards, monitor spending, and upload transaction data in accounting software at any time

Available to
Any registered business in the EU including Sole traders, SMEs, Charities, Trusts, PLCs, & Multinationals

FairFX Pre-Paid Business MasterCard

Account
Aldermore Bank 6 Month Business Fixed Rate Bond
Interest Rate
1.05%
Gross/AER
Term
6 Months
Minimum Deposit
£1,000

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Mobile Banking

Nationwide FlexDirect Current Account

Earn 5% AER Fixed Interest for 12 Months

  • On balances up to £2,500
  • Interest paid for first 12 months
  • No current account fees
  • Easy online account management
  • Can be setup as an extra account

Our view: With this current account you get 5% AER on the first £2,500 of your cash which is fixed for 12 months. To qualify you will need to pay in £1,000 pm (Equates to a £12,500 pa salary) . Please note the interest rate drops to 1% after 12 months. Unusually you do not have to set up any direct debits with this account, so you can just open it as an extra account. The account has full savings FSCS protection.

Nationwide FlexDirect Account »