Quantum PLUS 5 divides the deposit equally between a one year (Quantum portion) and five year (PLUS portion) fixed term deposit, available in sterling, US dollars, euros or Australian dollars. Minimum deposit amounts are £10,000, $20,000, €15,000 or A$20,000.

The Quantum portion pays 5 per cent on sterling, US dollars and euros or 12 per cent on Australian dollars. This half of the deposit matures in full after one year.

The PLUS portion provides for an unlimited potential return on the other half after five years based on the performance of a stock market index and is subject to a minimum return of initial capital and a capital bonus of 5 per cent at maturity. Sterling deposits are linked to the FTSE 100, US dollar deposits are linked to the S&P 500, euro deposits are linked to the EURO STOXX 50 and Australian dollar deposits are linked to the S&P/ASX 200.