Deposit for lump sum

looking for deposit rate for a lump sum ...2 options being considered:

BCP is delighted to launch the new BCP/NatWest 3.50% AER 5 Year Deposit, a market leading deposit which pays deposit interest of 4.0% at the end of years 1 to 4, and 1.30% at the end of year 5. The credit ratings for NatWest are strong at A+ (Fitch), A- (S&P) and A1 (Moody's).
(need to check availability for individuals)

or

BCP is delighted to launch the new BCP/Societe Generale 2.85% AER 3 Year Deposit (Issue 2), a market leading deposit that pays deposit interest of 3.00% at the end of years 1 & 2 and 2.55% at the end of year 3. The credit ratings for Societe Generale are strong at A (Fitch), A (S&P) and A1 (Moody's).

any other deposit alternatives to BCP giving a return?

This is a predominately Irish site so you may not get much help on UK deposits.

Dan_The_Man said:

looking for deposit rate for a lump sum ...on the face of it this suits my requirement
Anything similar out there I should be looking at?

BCP is delighted to launch the new BCP/NatWest 3.50% AER 5 Year Deposit, a market leading deposit which pays deposit interest of 4.0% at the end of years 1 to 4, and 1.30% at the end of year 5. The credit ratings for NatWest are strong at A+ (Fitch), A- (S&P) and A1 (Moody's).

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The BCP website says "Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders and Friendly Societies".

Are you sure this is available to individuals?

elcato said:

This is a predominately Irish site so you may not get much help on UK deposits.

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BCP is an Irish company.

elcato said:

This is a predominately Irish site so you may not get much help on UK deposits.

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its been offered to Irish clients

Lightning said:

The BCP website says "Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders and Friendly Societies".

Are you sure this is available to individuals?

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• Minimum investment is €250,000 for Credit Unions and €100,000 for other investors ...I do qualify

Dan_The_Man said:

...I do qualify

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Are you sure?...

"Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders, Friendly Societies and has been submitted for admissibility in the Aviva SDIO platform"

Their 3 year product is available to individuals, not the 5 year.

RedOnion said:

Are you sure?...

"Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders, Friendly Societies and has been submitted for admissibility in the Aviva SDIO platform"

Their 3 year product is available to individuals, not the 5 year.

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ill double check ...i did see the BCP/Societe Generale 2.85% AER 3 Year ..maybe I need to refine my Question

RedOnion said:

Are you sure?...

"Available to Credit Unions, Charities, Pensions, Corporates, Religious Orders, Friendly Societies and has been submitted for admissibility in the Aviva SDIO platform"

Their 3 year product is available to individuals, not the 5 year.

Click to expand...

Interesting that the 3 year product is available to individuals.

50k minimum.

No Deposit Guarantee Scheme protection.

Risk mainly limited to the risk that Societe Generale will go bust which seems very low.