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Structured Cash ISAs

Compare the Latest Structured Cash ISA options

As an alternative to traditional cash ISAs, you may want to consider a structured deposit plan. This type of account offers the potential for higher returns than those available via fixed-rate cash ISAs.

Deposit Cash ISAs

The Callable Deposit Plan

from IDAD

ISA Option
Maximum Potential Return 3.50% pa or 50% x FTSE growth
  • Deposit Taker: Goldman Sachs International Bank
  • Term: Up to 7 years

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 can be ended early by Deposit Taker
  • 3.5% per annum if plan ends early
  • 50% x FTSE 100 Index growth if plan runs full term
  • Capital protected product*
  • Eligible for the Financial Services Compensation Scheme (FSCS)
  • If plan runs full term returns not guaranteed. You may only receive a return of your original capital
  • Minimum investment £10,000
  • If you withdraw your money during the plan you may get back less than you originally invested

Important Information: * The return of your initial deposit depends on the ability of the deposit taker (Goldman Sachs) 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 Growth Deposit Plan

from MB

ISA Option
Maximum Potential Return 12.00% at end of term
  • Deposit Taker: Barclays Bank plc
  • Term: 6 years

"This plan offers a potential fixed return of 12%, provided the FTSE 100 Index at the end of the term is higher than its value at the start of the plan (subject to averaging). As with other cash deposits, your capital is also eligible for FSCS* protection.

The 12% return is equivalent to 1.91% compound growth each year, which is nearly 1% more than the best fixed rate bond, and a top fixed rate Cash ISA.

The downside is that the return is not guaranteed, and so if the FTSE ends lower, you only get your initial capital back.”

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.

  • 12% 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 1.50% per annum
  • Deposit Taker: Barclays Bank plc
  • Term: Up to 6 years

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.

  • 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

  • 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.
  • Many structured cash ISA providers offer transfers in, so you can move accumulated savings from previous years' ISAs into the account.
  • 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.
  • 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.

Things to consider before opening a structured cash ISA

  • 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.
  • 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.
  • 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.
  • 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. 

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