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Structured Cash ISAs

Compare the Latest Structured Cash ISA options

UK Growth Deposit Plan

from MB

ISA Option
Maximum Potential Return 14.00% at end of term
  • Deposit Taker: Barclays Bank plc
  • Term: 6 years
See Deal
  • 14% fixed return if FTSE 100 Index is higher at the end of the term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum deposit £5,000
  • An arrangement fee applies to this plan
  • If you withdraw your money during the plan you may get back less than you originally invested

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. 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.

UK Kick Out Deposit Plan

from MB

ISA Option
Maximum Potential Return 2.00% per annum
  • Deposit Taker: Barclays Bank plc
  • Term: Up to 6 years
See Deal
  • Opportunity to mature at year 4, 5, or 6 if the FTSE 100 Index is 5% or more higher than initial level
  • Capital Protected Product*
  • Eligible for the Financial Services Compensation Scheme
  • Short/medium term alternative to fixed rates
  • Returns not guaranteed. You may only receive a return of your original capital
  • Minimum single Investment - £5,000
  • If you withdraw your money during the plan you may get back less than you originally invested
  • An arrangement fee applies to this plan

Calculate your interest with this plan

Your savings:
£
You could gain:
£0.00 (per tax year)

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Investec Bank plc) to repay your money. 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.

What is a Structured Cash ISA?

If you're looking to venture into the world of stocks and shares but want the advantages of comparatively low risk to your capital offered by a cash ISA, structured cash ISAs could be a good option to consider. A structured cash ISA offers the potential for higher returns than a regular cash ISA, but is capital-protected.

What's the difference between a structured cash ISA and a normal cash ISA?

Structured cash ISAs offer you the potential to earn higher returns than you would with a regular cash ISA. Your returns are based on market performance, but your capital is protected by the FSCS up to their current limit. 

This means that if your investment performs well, you'll receive your capital back at the end of the term plus any income you made on the initial deposit. In the event that your investment doesn't perform well you may receive no income or capital growth, but your initial capital will be repaid in full. 

For example, if you put £3,000 into a structured cash ISA and the market does well over the term of the ISA, you might get £3,000 capital + 15% income when your plan matures. If the market does poorly, you won't receive any income, but you'll still get your £3,000 back.

The advantages of a structured cash ISA

  1. Because your cash is being invested, you have the potential to make a higher return on your initial investment than you would with a cash ISA.
  2. Many structured cash ISA providers offer transfers in, so you can move accumulated savings from previous years' ISAs into the account.
  3. A structured deposit cash ISA can be a good entry-level investment because it's comparatively low-risk compared to most stocks and shares schemes. If you've only held cash savings in the past, a structured cash ISA allows you to try out investing via a fairly low-risk format.
  4. You may be eligible for more protection on your deposit than cash ISA holders - for example, if you encounter a problem, you may be covered by the Financial Services Compensation Scheme.
James Caldwell
Edited by James Caldwell - ISA.co.uk

Things to consider before opening a structured cash ISA

  1. You must be willing to accept that if the deposit taker goes bust, you may lose some or all or your initial capital. Remember that your savings are only protected up to the current FSCS limit per individual, per institution.
  2. The term of a structured deposit cash ISA is usually similar to that of a fixed-term cash ISA - typically three to six years. As with a fixed-term cash ISA, it's important not to invest more money than you can afford to tie up for that period of time.
  3. Many structured cash ISAs require a substantial initial deposit compared to regular cash ISAs - typically upwards of £3,000 - so make sure you check this figure with individual ISA providers before choosing an account.
  4. Unlike instant or easy access cash ISAs, a structured deposit cash ISA operates over a fixed term. This means that you may have the potential for higher returns, but you won't have access to your money if your circumstances change. 

Lifetime ISAs

Save for your first home and retirement

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Junior ISAs

Invest for your child’s future

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Stocks & Shares ISAs

Invest tax-free in stocks and shares 

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Latest News

5 Considerations for Your Next Investment ISA

15th March 2021

You've decided to invest your savings into a Stocks and Shares ISA. You'll be using your tax-free ISA allowance for this year before the deadline, while also investing your money for your future. But what do you need to consider before opening an account? We've put together a list of our top five considerations for you to think about before you click "apply". 

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