Fixed Rate Bond Alternatives
Deposit Plan Offer
Looking for a Capital Protected alternative to Cash?
Potential 18.5% after 6 years
- Potential 18.5% if the FTSE 100 rises by any amount after 6 years
- Equivalent to 3.08% per year
- 6 year term
- Available as cash ISA, non ISA or ISA transfer
- Capital Protected – receive your initial capital back at the end of the term no matter how the FTSE 100 performs
Plan Name
Investec FTSE 100 6 Year Deposit Plan
Maximum Potential Return
18.5%
at end of term
at end of term
Term
6 years
ISA Option
Plan Name
Investec FTSE4Good 6 Year Deposit Plan
Maximum Potential Return
15.9%
at end of term
at end of term
Term
6 years
ISA Option
Plan Name
Investec FTSE 100 Kick Out Deposit Plan
Maximum Potential Return
2.25%
per annum
per annum
Term
Up to 6 years
ISA Option
Plan Name
Investec FTSE 100 3 Year Deposit Plan
Maximum Potential Return
5.4%
at end of term
at end of term
Term
3 years
ISA Option
Plan Name
Investec FTSE 100 6 Year Defensive Deposit Plan
Fixed Return
11.7%
if FTSE higher, 4.2% if lower
if FTSE higher, 4.2% if lower
Term
6 years
ISA Option
Plan Name
Investec FTSE 100 Defensive Kick Out Deposit Plan
Maximum Potential Return
1.75%
per annum
per annum
Term
Up to 6 years
ISA Option
Plan Name
Investec FTSE 100 3 Year Defensive Deposit Plan
Maximum Potential Return
4.05%
at end of term
at end of term
Term
3 years
ISA Option
There are no tables for this criteria
Structured Deposit Plans
While interest rates remain low, returns on fixed rate bonds aren’t as high as they used to be, but there are capital protected alternatives and if you are looking to tie money away for 3 to 5 years plus, structured deposit plans may be worth considering. These plans have a fixed term and have a return linked to the performance of an underlying asset e.g. the FTSE 100.
Structured deposit plans are appropriate for people who have a low appetite for risk but are willing to accept a return on the deposit that involves some exposure to the stock market. While returns are not normally guaranteed, they do offer the potential for competitive rates of return when compare to fixed term bonds.
As structured deposit plans are cash based they 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.
One of the UK’s Top Instant Access Account Rates – 0.50% AER – Apply Online
Fixed Rate Bonds
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
0.75%
Gross/AER
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Access Bank 2 Year Fixed Rate Bond
Interest Rate
0.90%
Gross/AER
Gross/AER
Term
2 Years
Minimum Deposit
£5,000
Account
Access Bank 3 Year Fixed Rate Bond
Interest Rate
1.00%
Gross/AER
Gross/AER
Term
3 Years
Minimum Deposit
£5,000
Account
RCI Bank 4 Year Fixed Rate Bond
Interest Rate
0.95%
Gross/AER
Gross/AER
Term
4 Years
Minimum Deposit
£1,000
Account
RCI Bank 5 Year Fixed Rate Bond
Interest Rate
1.00%
Gross/AER
Gross/AER
Term
5 Years
Minimum Deposit
£1,000
Account
Access Bank 1 Year Fixed Rate Bond
Interest Rate
0.75%
Gross/AER
Gross/AER
Term
1 Year
Minimum Deposit
£5,000
Account
Habib Bank Zurich 1 Year Fixed Rate Bond
Interest Rate
0.85%
Gross/AER
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
RCI Bank 1 Year Fixed Rate Bond
Interest Rate
0.50%
Gross/AER
Gross/AER
Term
1 Year
Minimum Deposit
£1,000
Account
Habib Bank Zurich 6 Month Fixed Rate Bond
Interest Rate
0.50%
Gross/AER
Gross/AER
Term
6 Months
Minimum Deposit
£1,000
Account
Hodge Bank 18 Month Fixed Rate Bond
Interest Rate
0.45%
Gross/AER
Gross/AER
Term
18 Months
Minimum Deposit
£1,000
Plan Name
Investec FTSE 100 3 Year Deposit Plan
Maximum Potential Return
5.4%
at end of term
at end of term
Term
3 years
ISA Option
Plan Name
Investec FTSE 100 6 Year Deposit Plan
Maximum Potential Return
18.5%
at end of term
at end of term
Term
6 years
ISA Option
Plan Name
Investec FTSE 100 3 Year Defensive Deposit Plan
Maximum Potential Return
4.05%
at end of term
at end of term
Term
3 years
ISA Option
Plan Name
Investec FTSE 100 6 Year Defensive Deposit Plan
Fixed Return
11.7%
if FTSE higher, 4.2% if lower
if FTSE higher, 4.2% if lower
Term
6 years
ISA Option
Fixed Rate Bond Provider Links
- AA Fixed Rate Bonds
- Abbey Fixed Rate Bonds
- Access Bank Fixed Rate Bonds
- Alliance and Leicester Fixed Rate Bonds
- Aldermore Fixed Rate Bonds
- Bank of Cyprus Fixed Rate Bonds
- Bank of Scotland Fixed Rate Bonds
- Barclays Fixed Rate Bonds
- Barnsley Building Society Fixed Rate Bonds
- Bath Building Society Fixed Rate Bonds
- Birmingham Midshires Fixed Rate Bonds
- Bradford and Bingley Fixed Rate Bonds
- Britannia Fixed Rate Bonds
- Cambridge Building Society Fixed Rate Bonds
- Cater Allen Fixed Rate Bonds
- Chelsea Building Society Fixed Rate Bonds
- Chesham Building Society Fixed Rate Bonds
- Clydesdale Bank Fixed Rate Bonds
- Co-operative Bank Fixed Rate Bonds
- Coventry Building Society Fixed Rate Bonds
- Darlington Building Society Fixed Rate Bonds
- Derbyshire Building Society Fixed Rate Bonds
- Dunfermline Building Society Fixed Rate Bonds
- First Save Fixed Rate Bonds
- Ford Money Fixed Rate Bonds
- Halifax Fixed Rate Bonds
- HSBC Fixed Rate Bonds
- ICICI Bank Fixed Rate Bonds
- ING Direct Fixed Rate Bonds
- Ipswich Building Society Fixed Rate Bonds
- Julian Hodge Fixed Rate Bonds
- Kent Reliance Fixed Rate Bonds
- KRBS Fixed Rate Bonds
- Leeds Building Society Fixed Rate Bonds
- Lloyds Fixed Rate Bonds
- Masthaven Bank Fixed Rate Bonds
- Nationwide Fixed Rate Bond
- NatWest Fixed Rate Bonds
- Newcastle Building Society Fixed Rate Bonds
- Northern Rock Fixed Rate Bonds
- Nottingham Building Society Fixed Rate Bonds
- Post Office Fixed Rate Bond
- RBS Fixed Rate Bonds
- RCI Bank Fixed Rate Bonds
- Saga Fixed Rate Bonds
- Sainsbury’s Fixed Rate Bonds
- Santander Fixed Rate Bonds
- Scottish Widows Bank Fixed Rate Bonds
- Skipton Building Society Fixed Rate Bond
- Standard Life Fixed Rate Bonds
- Tesco Fixed Rate Bonds
- Vanquis Bank Fixed Rate Bonds
- West Bromwich Fixed Rate Bonds
- Yorkshire Bank Fixed Rate Bonds
- Yorkshire Building Society Fixed Rate bonds
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.
Different types of investment carry different levels of risk and may not be suitable for all investors. 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 in any doubt as to the suitability of a particular investment, both in respect of its objectives and its risk profile, you should seek independent financial advice.
* Details of how the Financial Services Compensation Scheme applies to investment firms can be found at fscs.org.uk.