Deposits

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 28 January 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 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. 

As an adviser, you must make sure your client both reads and understands the key feature 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. 
 

Barclays Three Year Structured Deposit

Barclays will repay the amount invested in this structured deposit at the end of the three year term. The closing date for application is 28 January 2026, or earlier if the deposit is fully subscribed. 
 

Why consider this deposit?

The interest payment is linked to the performance of the Euro Stoxx 50 Index over the 3 year period, subject to a minimum return of 3.03% (1.00% CAR) and a maximum return of 13.00% (4.16%)

• 100% capital security over the 3 year term 
• Potential for stock market growth linked to the Euro Stoxx 50 Index 
• Minimum Return: 3.03% (1.00% CAR) 
• Maximum Potential Return: Up to 13.00% (4.16% CAR) 
• Gross return subject to policy charges

CAR is the compund annual return 
 

Key Features

• Term: 3 years fixed 
• Issuer: Barclays Bank Ireland plc 
• Index: Euro Stoxx 50 
• Capital Security: 100% over 3 years 
• Closing date: 28 January 2026 

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.  
 

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% AER*), and is subject to change at any time (it was 2.20% gross (2.22% AER*) between 23 April 2025 and 10 June 2025).  

*AER is the annual equivalent 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.