Deposit PLUS Issue 12
Grow your international savings by combining capital protection* with market-linked returns. Track stock market growth for 5 years.
£
10,000
Minimum deposit
$
15,000
Minimum deposit
AU$
15,000
Minimum deposit
5 years
Deposit term
Low to moderate
Risk profile
GBP, USD, AUD
Supported currencies
Benefits of Deposit PLUS Issue 12
Capital protection*
This product protects your capital against a fall in the markets, when held to maturity
Uncapped return
Benefit from the positive performance of the index that your deposit is tracking
Low barriers
Structured products give you easy access to global markets without fuss or complexity
Market choice
Your deposit return will
be linked to the Shanghai
Shenzhen CSI 300 index
What you get
- Available in GBP, USD and AUD accounts
- 5 year term
- Market-linked return based on a proportion of the growth in the stock market index that your deposit is tracking
- Capital protection* against a fall in the markets if held to maturity
Read more in our latest brochure
*Capital protection refers to the Product’s design to repay your original deposit in full, in the deposit currency, providing you retain your deposit to the Maturity Date. Where a structured deposit’s return at the end of its term is zero, the depositor’s real rate of return may be negative.
Standard Bank Isle of Man Limited is a participant in the Isle of Man Depositors’ Compensation Scheme (“the DCS”) as set out in the Depositors’ Compensation Scheme Regulations 2010 (“the Regulations”). The maximum amount of compensation is, subject to Regulation 13, limited to £50,000 (for an individual, other than a trustee or nominee) and £20,000 (for most other categories of depositor). Full details of the DCS and banking groups covered by the DCS are available on the IOMFSA website (www.iomfsa.im).
Standard Bank Jersey Limited is a participant in the Jersey Bank Depositors Compensation Scheme.
The Scheme provides compensation for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any five year period. Not all depositors will be eligible to make claims under the scheme. Depositors should check their entitlement and the full details of the scheme on the States of Jersey website at www.gov.je/dcs, the details are also available on request.
Deposit Plus Issue 12 eligible deposits held by Standard Bank Jersey Limited or Standard Bank Isle of Man Limited may benefit from the applicable Bank Depositors Compensation Scheme (restrictions apply), as described above, but do not benefit from depositor compensation schemes offered by other jurisdictions. The Isle of Man has a Financial Services Ombudsman Scheme covering disputes relating to financial services offered in or from within the Isle of Man to individuals and trustees or managers of Self Invested Personal Pensions.
The Channel Islands Financial Ombudsman Scheme covering disputes relating to financial services offered to certain categories of persons in or from within Jersey came into effect from 1 November 2015. Persons to whom the scheme applies will have six months from receiving a final response to a complaint from Standard Bank Jersey Limited, to bring the matter to the financial ombudsman. Full details can be obtained at www.ci-fo.org
How it works
- The deposit return is linked to the positive growth in the index of your deposit choice over 5 years
- Sterling, US dollar and Australian dollar deposits are linked to the Shanghai Shenzhen CSI 300 Index
- At maturity, you will receive back your deposit plus the positive growth in the index performance multiplied by a Participation Rate
- The maximum potential return is not capped
- The return on your deposit is calculated using the growth in the relevant market index between the start date and the average closing price over the final 18 months of the deposit term
Key Dates
Sales period: Closes 8 May 2026**
Start date: 2 June 2026
Maturity date: 10 June 2031
You are required to make your deposit into your call account prior to 8 May 2026
** Earlier if fully subscribed
What it costs
- No ongoing or monthly fees
- See page 6 of the brochure for further details
How to get it
- You need to be 18 years or older
- You need to hold an account with Standard Bank in Jersey or the Isle of Man
- You need to have the minimum deposit in your call account to transfer at the start of the deposit term
See more information in latest brochure here
-
What you get
-
How it works
-
What it costs
-
How to get it
- Available in GBP, USD and AUD accounts
- 5 year term
- Market-linked return based on a proportion of the growth in the stock market index that your deposit is tracking
- Capital protection* against a fall in the markets if held to maturity
Read more in our latest brochure
*Capital protection refers to the Product’s design to repay your original deposit in full, in the deposit currency, providing you retain your deposit to the Maturity Date. Where a structured deposit’s return at the end of its term is zero, the depositor’s real rate of return may be negative.
Standard Bank Isle of Man Limited is a participant in the Isle of Man Depositors’ Compensation Scheme (“the DCS”) as set out in the Depositors’ Compensation Scheme Regulations 2010 (“the Regulations”). The maximum amount of compensation is, subject to Regulation 13, limited to £50,000 (for an individual, other than a trustee or nominee) and £20,000 (for most other categories of depositor). Full details of the DCS and banking groups covered by the DCS are available on the IOMFSA website (www.iomfsa.im).
Standard Bank Jersey Limited is a participant in the Jersey Bank Depositors Compensation Scheme.
The Scheme provides compensation for eligible deposits of up to £50,000. The maximum total amount of compensation is capped at £100,000,000 in any five year period. Not all depositors will be eligible to make claims under the scheme. Depositors should check their entitlement and the full details of the scheme on the States of Jersey website at www.gov.je/dcs, the details are also available on request.
Deposit Plus Issue 12 eligible deposits held by Standard Bank Jersey Limited or Standard Bank Isle of Man Limited may benefit from the applicable Bank Depositors Compensation Scheme (restrictions apply), as described above, but do not benefit from depositor compensation schemes offered by other jurisdictions. The Isle of Man has a Financial Services Ombudsman Scheme covering disputes relating to financial services offered in or from within the Isle of Man to individuals and trustees or managers of Self Invested Personal Pensions.
The Channel Islands Financial Ombudsman Scheme covering disputes relating to financial services offered to certain categories of persons in or from within Jersey came into effect from 1 November 2015. Persons to whom the scheme applies will have six months from receiving a final response to a complaint from Standard Bank Jersey Limited, to bring the matter to the financial ombudsman. Full details can be obtained at www.ci-fo.org
- The deposit return is linked to the positive growth in the index of your deposit choice over 5 years
- Sterling, US dollar and Australian dollar deposits are linked to the Shanghai Shenzhen CSI 300 Index
- At maturity, you will receive back your deposit plus the positive growth in the index performance multiplied by a Participation Rate
- The maximum potential return is not capped
- The return on your deposit is calculated using the growth in the relevant market index between the start date and the average closing price over the final 18 months of the deposit term
Key Dates
Sales period: Closes 8 May 2026**
Start date: 2 June 2026
Maturity date: 10 June 2031
You are required to make your deposit into your call account prior to 8 May 2026
** Earlier if fully subscribed
- No ongoing or monthly fees
- See page 6 of the brochure for further details
- You need to be 18 years or older
- You need to hold an account with Standard Bank in Jersey or the Isle of Man
- You need to have the minimum deposit in your call account to transfer at the start of the deposit term
See more information in latest brochure here