Quantum PLUS 37 Deposit
Split your risk with a deposit that offers capital protection* plus a fixed rate on the Quantum portion of your deposit for one year, with the remaining Plus portion tracking stock market growth for 5 years.
£
10,000
Minimum deposit
AU$
15,000
Minimum deposit
$
15,000
Minimum deposit
5 years
Deposit term
Low to moderate
Risk profile
GBP, USD, AUD
Supported currencies
Benefits of Quantum PLUS 37 Deposit
Lower risk returns
Get the best of both worlds with capital protection* and market growth combined in one product
Uncapped return
Your maximum potential return is not capped if the index, as measured, is positive
Low barriers
Structured products give you easy access to global markets without fuss or complexity
Market choice
Your chosen currency determines which stock market index your deposit will track
What you get
- Available in GBP, USD and AUD
- A one-year term for the Quantum portion, 40% of your deposit
- A 5-year term for the PLUS portion, 60% of your deposit
- Quantum portion pays a fixed rate of interest of 5.00% for GBP or 4.00% for USD and AUD
- PLUS portion pays a market-linked return based on a proportion of the growth in either S&P Europe 350 Low Volatility Index for GBP, S&P 500 Low Volatility Index for USD or S&P/ASX 200 Index for AUD
- Capital protection* against a fall in the markets, once 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.
Quantum PLUS 37 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 a proportion of the growth in your chosen market over 5 years
- GBP deposits are linked to the S&P Europe 350 Low Volatility Index
- USD deposits are linked to the S&P 500 Low Volatility Index
- AUD deposits are linked to the S&P/ASX 200 Index
- At maturity of the PLUS portion, you will receive back this portion of your deposit plus a proportion of the market index performance
- Your return on the PLUS portion 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
- The maximum potential return is not capped
Key Dates
Sales period: Closes 25 April 2025**
Start date: 15 May 2025
Maturity date: 15 May 2026 (Quantum portion)
Maturity date: 22 May 2030 (PLUS portion)
You need to make your deposit into your Call Account before 25 April 2025
** Earlier if fully subscribed
1 See page 5 of the brochure for further details of End and Maturity Dates
What it costs
- No ongoing or monthly fees and/or charges
- See page 7 of the brochure for further details of applicable charges
How to get it
- You need to be 18 years or older
- You need to hold an account with a Standard Bank Offshore (in Jersey or Isle of Man)
- You will need to have the minimum deposit in your Call Account to transfer at the start of the deposit term
See our latest brochure for more detailed information
-
What you get
-
How it works
-
What it costs
-
How to get it
- Available in GBP, USD and AUD
- A one-year term for the Quantum portion, 40% of your deposit
- A 5-year term for the PLUS portion, 60% of your deposit
- Quantum portion pays a fixed rate of interest of 5.00% for GBP or 4.00% for USD and AUD
- PLUS portion pays a market-linked return based on a proportion of the growth in either S&P Europe 350 Low Volatility Index for GBP, S&P 500 Low Volatility Index for USD or S&P/ASX 200 Index for AUD
- Capital protection* against a fall in the markets, once 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.
Quantum PLUS 37 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 a proportion of the growth in your chosen market over 5 years
- GBP deposits are linked to the S&P Europe 350 Low Volatility Index
- USD deposits are linked to the S&P 500 Low Volatility Index
- AUD deposits are linked to the S&P/ASX 200 Index
- At maturity of the PLUS portion, you will receive back this portion of your deposit plus a proportion of the market index performance
- Your return on the PLUS portion 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
- The maximum potential return is not capped
Key Dates
Sales period: Closes 25 April 2025**
Start date: 15 May 2025
Maturity date: 15 May 2026 (Quantum portion)
Maturity date: 22 May 2030 (PLUS portion)
You need to make your deposit into your Call Account before 25 April 2025
** Earlier if fully subscribed
1 See page 5 of the brochure for further details of End and Maturity Dates
- No ongoing or monthly fees and/or charges
- See page 7 of the brochure for further details of applicable charges
- You need to be 18 years or older
- You need to hold an account with a Standard Bank Offshore (in Jersey or Isle of Man)
- You will need to have the minimum deposit in your Call Account to transfer at the start of the deposit term
See our latest brochure for more detailed information