NatWest International Personal Banking (IPB) has launched the Equilibrium Issue 4, a four-and-a-half-year structured deposit account designed to provide the certainty of a fixed rate of interest on 30% of the initial deposit and the opportunity to participate in the potential gains of either the RBS UK Balanced Sector Index or the RBS European Balanced Sector Index on the remaining 70% of the deposit.

Dave Isley, head of NatWest IPB, said, “With the Bank of England base rate and interest rates at an all-time low, this combination provides an attractive option.

"We have listened to our customers, and know that they value flexibility, which is why we are offering a choice of two RBS indices.”

Equilibrium Issue 4 is available in sterling with a minimum deposit of £10,000, and is 100% capital-protected if held until maturity. The application deadline is 24 August 2012.