Societe Generale Fixed Term Deposits

Fixed term deposits with Societe Generale are now available as an investment option on our Synergy Products, including Synergy PRSA

They maybe a suitable investment option if you are looking for a low risk investment for your clients. Fixed term deposits are available from 2 to 5 years. The minimum deposit is €250,000

Latest fixed term deposit rates with Societe Generale

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Barclays Structured deposits

Closing date 03 June 2026 or earlier if fully subscribed 

If your clients are looking for a lower-risk investment, they might want to consider a Barclays Structured Deposit. We currently offer a three-year and six month option and this can be accessed through self-directed options in the following Synergy products: 

• Synergy Investment Bond 
• Synergy Personal Pension 
• Synergy Buy Out Bond 
• Synergy Regular Invest 
• Synergy Approved Retirement Fund 
• Synergy Portfolio Approved Retirement Fund (for top ups only)  

The minimum deposit with Barclays Bank is €100,000. Structured deposits are not available on the Synergy PRSA or the Synergy Executive Pension. 
 

Barclays Three Year and Six Month Structured Deposit

Barclays will repay the amount invested in this structured deposit at the end of the three year and six month term. The closing date for application is 03 June 2026, or earlier if the deposit is fully subscribed. 
 

Key Features

• 100% capital security over the 3 year and 6 month term
• Minimum Return: 11.00% (3.03% CAR*) 
• Gross return subject to policy charges
• Issuer: Barclays Bank Ireland plc 
• Index: Euro Stoxx 50 
• Closing date: 03 June 2026
• Issue date: 12 June 2026

*CAR is the compound annual return

As an adviser, you must make sure your client both reads and understands the key features and key information documents. We’ll need an ‘Instruction to switch/invest in a structured deposit’ form for all new business, including top-ups, and switches. 

The deposit amount will be held by Barclays Bank Ireland in a non-interest bearing account during the offer period until the structured deposit’s issue date. 
 

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If your client invests in these investments, they may lose some or all of the money they invest. If your client cashes in their deposit investment before 12 December 2029, they may lose some or all of the money they invest. If your client invests in these structured deposits, they will not have any access to their money for 3 years and 6 months before the product matures.

Policy cash account

The policy cash account is provided by a third party deposit provider, set up within the policy. Payments are both credited to and deducted from this account to facilitate the various self-directed options. There's more information in the Key Features document and Self-Directed Options Guide. 

The variable interest rate payable on the policy cash account from 11 June 2025 is 1.95% gross (1.97% CAR*), and is subject to change at any time (it was 2.20% gross (2.22% CAR*) between 23 April 2025 and 10 June 2025).  

*CAR is the compound annual rate and shows what the interest rate would be if compounded and paid each year.

Please make sure your clients are aware of the relevant Synergy product charges, including the annual management charge of 1% on all deposits. Returns on their investment will also be affected by the commission structure you have agreed with them.