Notice Plus Account

The first notice savings account with options to suit you

Earn up to 1.80% AER* on balances between £10,000 - £1,000,000

  • Choose your notice and access
    We offer a range of notice periods and immediate access options. 
  • Loyalty rate reward
    Earn an additional 0.05% AER* when you don't place notice for 90 days.

Customise your account

Use our slider below to choose the options that suit you.

Immediate access
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  • View the interest rates as gross rates

    The rates in the table are payable on balances between £10,000 and £1,000,000.
    Notice Period Immediate access percentage Interest rate (without loyalty rate) Interest rate (including loyalty rate)
        AER* Gross p.a.^(variable) AER* Gross p.a.^(variable)
    35 0% 1.40% 1.39% 1.45% 1.44%
    10% 1.35% 1.34% 1.40% 1.39%
    20% 1.30% 1.29% 1.35% 1.34%
     
    65 0% 1.50% 1.49% 1.55% 1.54%
    10% 1.45% 1.44% 1.50% 1.49%
    20% 1.40% 1.39% 1.45% 1.44%
     
    95 0% 1.80% 1.79% 1.85% 1.84%
    10% 1.75% 1.74% 1.80% 1.79%
    20% 1.70% 1.69% 1.75% 1.74%
    Notice Period Immediate access percentage Interest rate (without loyalty rate) Interest rate (including loyalty rate)
        AER* Gross p.a.^(variable) AER* Gross p.a.^(variable)
    35 0% 1.40% 1.39% 1.45% 1.44%
    10% 1.35% 1.34% 1.40% 1.39%
    20% 1.30% 1.29% 1.35% 1.34%
     
    65 0% 1.50% 1.49% 1.55% 1.54%
    10% 1.45% 1.44% 1.50% 1.49%
    20% 1.40% 1.39% 1.45% 1.44%
     
    95 0% 1.80% 1.79% 1.85% 1.84%
    10% 1.75% 1.74% 1.80% 1.79%
    20% 1.70% 1.69% 1.75% 1.74%
  • Important balance information

    If your balance is less than £10,000 you will earn no interest.
    If your balance is greater than £1,000,000, the portion of funds above this amount will earn interest at 0.25% gross p.a.^ (variable)/AER*.
  • Important loyalty rate information

    If you do not place notice to withdraw funds for 90 days, you will earn a further 0.05% gross p.a.^ (variable)/AER* interest.

    The loyalty rate will fall away if your balance drops below £10,000.

    The loyalty rate will fall away if you place notice on any funds, from the date you place notice. If you don’t place notice on your funds for a further 90 consecutive days, you will be eligible for the loyalty rate again.

    The loyalty rate will only be paid on your balance up to £1,000,000. The portion of your balance above this amount will not receive the loyalty rate.

New to Investec?

We have made the application simple and easy to complete in just a few steps.

Already with Investec?

If you already have a UK Private Bank or Savings account, you can apply by logging in to Investec Online.

Summary box: Notice Plus Account

  • Account name

    Notice Plus Account
  • What is the interest rate?

    Interest rate
    • You will earn interest on balances in your account between £10,000 and £1,000,000 at the interest rates shown in the table below.
    • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^(variable)/AER*.
    • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^(variable)/AER* on the portion of your funds above £1,000,000.
     
    Loyalty rate
    • If you do not place notice to withdraw funds for 90 days, you will earn a further 0.05%gross p.a.^ (variable)/AER* interest.
    • The loyalty rate will only be paid on your account balance up to £1,000,000, and will not be paid on accounts with less than £10,000.
    • Once you are earning the loyalty rate, no additional loyalty rate will be applied, even if you do not place notice for more than 90 days.
    • From the day a notice withdrawal instruction is given, the loyalty rate will no longer be applied. You will be paid the loyalty rate again if you do not place notice for a further 90-day period.
    Interest rate for balances between £10,000 - £1,000,000
    Notice Period Immediate access percentage Interest rate (without loyalty rate) Interest rate (including loyalty rate)
        AER* Gross p.a.^(variable) AER* Gross p.a.^(variable)
    35 0% 1.40% 1.39% 1.45% 1.44%
    10% 1.35% 1.34% 1.40% 1.39%
    20% 1.30% 1.29% 1.35% 1.34%
     
    65 0% 1.50% 1.49% 1.55% 1.54%
    10% 1.45% 1.44% 1.50% 1.49%
    20% 1.40% 1.39% 1.45% 1.44%
     
    95 0% 1.80% 1.79% 1.85% 1.84%
    10% 1.75% 1.74% 1.80% 1.79%
    20% 1.70% 1.69% 1.75% 1.74%
    Notice Period Immediate access percentage Interest rate (without loyalty rate) Interest rate (including loyalty rate)
        AER* Gross p.a.^(variable) AER* Gross p.a.^(variable)
    35 0% 1.40% 1.39% 1.45% 1.44%
    10% 1.35% 1.34% 1.40% 1.39%
    20% 1.30% 1.29% 1.35% 1.34%
     
    65 0% 1.50% 1.49% 1.55% 1.54%
    10% 1.45% 1.44% 1.50% 1.49%
    20% 1.40% 1.39% 1.45% 1.44%
     
    95 0% 1.80% 1.79% 1.85% 1.84%
    10% 1.75% 1.74% 1.80% 1.79%
    20% 1.70% 1.69% 1.75% 1.74%
     
    Interest is calculated daily and paid monthly.
  • Can Investec Bank plc change the interest rate?

    Yes. The interest rate is variable.  
    We will give you notice of any change to the interest rate we pay in accordance with section 9 of the Investec Bank plc Banking Relationship Agreement (which you can download here). We will tell you by email if and when we change the interest rate.

  • What would the estimated balance be after 12 months based on a £25,000 deposit?

    The balance in a Notice Plus Account 12 months after depositing £25,000 would be:

    Notice Period Immediate Access Percentage Year End Balance With no notice withdrawals and no immediate access withdrawals With one notice withdrawal of £10,000 placed on one month (31 days) after account opening
    Interest Earned
    35 0% Y/E Balance £25,359.42
    £15,240.48
    Interest Earned £359.42
    £240.48
    10% Y/E Balance £25,346.92
    £15,232.07
    Interest Earned £346.92
    £232.07
    20% Y/E Balance £25,334.42
    £15,223.65
    Interest Earned £334.42
    £223.65
             
    65 0% Y/E Balance £25,384.42
    £15,269.70
    Interest Earned £384.42
    £269.70
    10% Y/E Balance £25,371.92
    £15,260.87
    Interest Earned £371.92
    £260.87
    20% Y/E Balance £25,359.42
    £15,252.04
    Interest Earned £359.42
    £252.04
     
    95 0% Y/E Balance £25,459.42
    £15,337.60
    Interest Earned £459.42
    £337.60
    10% Y/E Balance £25,446.92
    £15,328.36
    Interest Earned £446.92
    £328.36
    20% Y/E Balance £25,434.42
    £15,319.11
    Interest Earned £434.42
    £319.11
    Notice Period Immediate Access Percentage Year End Balance With no notice withdrawals and no immediate access withdrawals With one notice withdrawal of £10,000 placed on one month (31 days) after account opening
    Interest Earned
    35 0% Y/E Balance £25,359.42
    £15,240.48
    Interest Earned £359.42
    £240.48
    10% Y/E Balance £25,346.92
    £15,232.07
    Interest Earned £346.92
    £232.07
    20% Y/E Balance £25,334.42
    £15,223.65
    Interest Earned £334.42
    £223.65
             
    65 0% Y/E Balance £25,384.42
    £15,269.70
    Interest Earned £384.42
    £269.70
    10% Y/E Balance £25,371.92
    £15,260.87
    Interest Earned £371.92
    £260.87
    20% Y/E Balance £25,359.42
    £15,252.04
    Interest Earned £359.42
    £252.04
     
    95 0% Y/E Balance £25,459.42
    £15,337.60
    Interest Earned £459.42
    £337.60
    10% Y/E Balance £25,446.92
    £15,328.36
    Interest Earned £446.92
    £328.36
    20% Y/E Balance £25,434.42
    £15,319.11
    Interest Earned £434.42
    £319.11

     

    Please note that:

    • If your account balance falls below £10,000, you will earn 0.00% gross p.a.^ 
      (variable)/AER*.
    • If your account balance is greater than £1,000,000, you will earn 0.25% gross p.a.^ 
      (variable)/AER* on the value of your balance that is above £1,000,000.

     

    The examples above are illustrative only and they are not based on individual circumstances. They also assume:

    • An initial deposit of £25,000 and no further deposits during the period.
    • No immediate access withdrawals during the period.
    • Interest is paid to and retained in the Notice Plus Account.
    • The loyalty rate, where eligible, is paid to and retained in the Notice Plus Account.    
    • There is no change to the interest rate or the loyalty rate.
  • How do I open and manage my account?

    To open this account:
     
    • You need to be resident in the UK.
    • You need to be at least 16 years old.
    • You need to make a minimum opening deposit of £10,000.
    • You must make deposits in sterling only.
    • You can only open one account per notice period type. This means you could only hold one Notice Plus Account at 35 days’ notice, one Notice Plus Account at 65 days’ notice and one Notice Plus Account at 95 days’ notice for example.
     
    You can open a Notice Plus Account at Investec Online.
    You can manage your account at Investec Online and using telephone banking. Statements will be made available at Investec Online at the end of each quarter. For more information on how to enrol for Investec Online, click here.
     
  • Can I withdraw money?

    Yes. You can make two types of withdrawal from your account:
     
    1. 'Notice withdrawals' - withdrawals where you give us notice in accordance with your chosen notice period. 
    2. 'Immediate access withdrawals' - withdrawals without notice being required.
     
    Notice withdrawals
    • You can choose a notice period of 35, 65 or 95 days.
    • Unless you are using your immediate access percentage, you must give us notice in accordance with your chosen notice period to withdraw funds from your account.
    • You will not be eligible for the loyalty rate from the day notice is placed.
    • You will be eligible for the loyalty rate again if you do not place notice for 90 days from when you last placed notice.
    Immediate access withdrawals
    • If you have chosen an immediate access percentage of 0%, you will only be able to withdraw funds by making a notice withdrawal.
    • If you have chosen an immediate access percentage of 10% or 20%, you can withdraw up to this amount without giving us notice.
    • Following an immediate access withdrawal, you cannot make another one for the number of days of your chosen notice period. Even if you withdraw less than your chosen immediate access percentage, you will have to wait for the number of days of your chosen notice period to make another immediate access withdrawal.
    • You will still be eligible for the loyalty rate if you make an immediate access withdrawal. 
     
  • Additional information

    • You can only make electronic payments to a Notice Plus Account.
    • You can only make payments from this account to another Investec account or an account in your name at another UK financial institution (or, in the case of joint account holders, into an account in the name of either account holder).
    • Interest is paid without tax being deducted.
    • Your tax treatment of the interest receipt will depend on your individual circumstances and if you have any specific tax questions, you should seek professional tax advice.
    • Alternatively, further guidance can be found on the HMRC website. Please note that your tax treatment may be subject to change in future.

Download the Notice Plus summary box

Please note: a summary of the key features of the savings account is not intended to be a substitute for reading the terms and conditions. Download our banking relationship agreement.

Peace of mind

Your eligible deposits are protected under the UK’s Financial Services Compensation Scheme (FSCS). 


Access 24/7

You’re always in full control with access to your account through online and mobile banking.



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New to Investec?

We have made the application simple and easy to complete in just a few steps.

Already with Investec?

If you already have a UK Private Bank or Savings account, you can apply by logging in to Investec Online.

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ˆ Gross p.a. is the rate of interest before any tax is deducted. Rates are variable. 
* AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. The AER is intended to be an indicative rate to help you compare the return on different savings products. Rates are variable.