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Investment products

What is a structured deposit?

Structured products are a combination of several financial products grouped into a single, indivisible structure.

This package is made up of products linked to interest rates plus one or more financial derivatives. A structured deposit is a type of structured product that combines the features of a deposit with the features of equities.

The aim of structured deposits is to guarantee the initial invested principal, therefore operating as a type of term deposit,

while seeking a higher return than that of a deposit by linking the return to the performance of an underlying assets, which may be:

  • Stock securities
  • Commodities
  • Currency

Although the initial investment is guaranteed at maturity, the final return is linked to the stock markets, which means that it is variable and therefore not guaranteed.

How liquid are structured deposits?

The liquidity of structured deposits will be conditioned by the provisions of the agreement because, unlike term deposits, these products do not offer total liquidity. It's important to bear in mind the following:

If you want to withdraw your money before the agreed maturity, the market value will usually be less than the nominal amount initially invested.

In this case, there is no guarantee that you will get back the entire amount invested.

What guarantees do structured deposits have?

Structured deposits are protected by Deposit Guarantee Fund, like traditional deposits. This fund ensures the deposited principal up to a maximum of €100,000 per entity and holder if the entity goes bankrupt.


How do deposits work?

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