Earn more on your cash!

Compare latest cash options for UK savers.

Deposit Plan Offer

Looking for a Capital Protected alternative to Cash?

7% pa or 2 x FTSE 100 Growth

  • Up to 7 year term
  • 1.75% per quarter (7% 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
Cynergy Bank Online Easy Access Account
Interest Rate
1.31%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Easy Access Account
Interest Rate
1.25%
Gross/AER
Term
Instant Access
Minimum Deposit
£1,000
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
1.30%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Ford Money Flexible Cash ISA
Interest Rate
1.27%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
RCI Bank Freedom Savings Account
Interest Rate
1.20%
Gross/AER
Term
Instant Access
Minimum Deposit
£100
Account
Habib Bank Zurich 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Plan Name

IDAD The Callable Deposit Plan 

Potential Return
7% pa
or 2 x Index growth
Term
Maximum 7 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
42%
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
5.25%
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
10%
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
Cynergy Bank Online Easy Access Account
Interest Rate
1.31%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
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
Habib Bank Zurich 1 Year Fixed Rate Bond
Interest Rate
1.65%
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
1.75%
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
1.85%
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
Aldermore Bank 4 Year Fixed Rate Bond
Interest Rate
1.80%
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 5 Year Fixed Rate Bond
Interest Rate
2.00%
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Ford Money Flexible Cash ISA
Interest Rate
1.27%
Gross/AER
Term
Instant Access
Minimum Deposit
£1
Account
Aldermore Bank 30 Day Notice Cash ISA
Interest Rate
1.30%
Gross/AER
Term
30 Day Notice
Minimum Deposit
£1,000
Account
Cynergy Bank 1 Year Cash ISA
Interest Rate
1.40%
Gross/AER
Term
1 Year
Minimum Deposit
£500
Account
Aldermore Bank 2 Year Cash ISA
Interest Rate
1.50%
Gross/AER
Term
2 Years
Minimum Deposit
£1,000
Account
Aldermore Bank 3 Year Cash ISA
Interest Rate
1.60%
Gross/AER
Term
3 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
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
N26 Mobile App Bank Account
Details
A standard account comes with everything you need to spend, save and keep track of your money, all under one app
Spend & Transfer Money Abroad
Account fee (EUR)
£0 to £16.90 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
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
NatWest Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Account
Royal Bank of Scotland Select Current Account
Funding Required
No minimum
Overdraft
Arranged Overdraft Available
Account fee
No fee
Plan Name

Investec FTSE 100 6 Year Deposit Plan

Maximum Potential Return
42%
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
7% pa
or 2 x Index growth
Term
Maximum 7 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
5.25%
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
21%
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

IDAD The Enhanced Participation Deposit Plan 

Potential Return
4% pa
or 6 x Index growth
Term
Maximum 7 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 3 Year Deposit Plan

Maximum Potential Return
14%
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
10%
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
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
N26 Business Current Account
Details
Free bank account for freelancers and the self-employed. Earn 0.1% cashback on all purchases you make, and enjoy free card payments worldwide
Debit Card
Monthly Account Fee
FREE
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

Special Offer: Receive £50 after an account is open and a first transaction is made

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
1.50%
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

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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 »