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Private Banking benefits

Private Banking is a service offered by many financial institutions to cater to the financial needs of high income, high net worth or ultra-high net worth individuals or private businesses.

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Why become a Private Banking client?

Becoming a Private Banking client comes with numerous perks, including personalised financial planning, tailored investment strategies and exclusive access to a range of banking products and services. While this list highlights the best Private Banking benefits, it's not comprehensive and not all private banks in South Africa offer the same benefits. The terms ‘Private Banking’ and ‘wealth manager’ are sometimes used interchangeably by different brands and across different geographies. This list provides valuable insight into Private Bank Account benefits, which aim to provide specialised services and financial products to a select or niche group of clients.

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Why use a private bank?

Dedicated relationship manager

Private Banking in South Africa offers the benefit of having a dedicated banker or relationship manager who oversees your private bank account and serves as a single point of contact for all your financial needs and queries. This personalised approach ensures that your unique financial needs are understood, and you receive tailored solutions that meet your requirements.

Tailored credit and financing solutions

Private Banking offers customised lending solutions that are not based on a credit score template. This includes mortgages or home loans, lines of credit and other tailored financing options. With a thorough understanding of your financial needs, a private banker can offer you credit and financing solutions that are personalised to your specific requirements.

Convenience and time savings

Private bankers focus on streamlining your financial management, saving you time and effort by consolidating most financial activities under one financial services provider. This can be done through direct relationships or through digital tools and online banking platforms. This approach ensures that you have more time to focus on your personal and professional life.

Personalised financial advice

As a Private Banking client, you will have access to a financial adviser who can provide you with personalised financial advice. Additionally, you will have access to long- and short-term insurance, investment and savings products that are not generally available through retail banks. This often means that you receive tailored solutions that meet your specific financial needs.

Customised investment solutions

For high-income and high- or ultra-high net worth clients, private banks offer a wide range of investment solutions, alternative investments, structured products and specialised portfolios that are aligned with your investing objectives. This ensures that you have access to investment opportunities that are tailored to your long-term goals.

Wealth creation and preservation

Private Banking is often an excellent financial partner if you wish to create grow and preserve wealth. Private banks may offer services such as estate planning, tax optimisation and succession planning to ensure that you have a clear strategy for wealth transfer across generations.

Access to exclusive services

Private Banking clients often have access or first access to exclusive financial products or investments, such as structured products or offshore saving and investing, or international access that may not be available at local banking institutions. This ensures that you have access to exclusive opportunities that can help you achieve your financial goals.

Diversification

Private Banking clients have access to wealth managers who can help you to diversify your investment portfolios, minimise or understand risk, and potentially enhance returns. For high-income or young professionals with investible assets, sometimes other investment and trading opportunities are made available through self-directed or investment packages.

Lifestyle curations

Private banks offer concierge services, including leisure and business travel planning, access to curated lifestyle offers and exclusive offers on vehicles. This niche approach to servicing clients outside of transactional or traditional banking ensures that you have a personalised experience that meets your specific lifestyle aspirations.

Economic market insights

Private banks leverage their expertise to share important financial market information, economic trends and investment strategies through newsletters or special events, whether in-person or online. This ensures that you have access to valuable insights that can help you make informed financial decisions.

Confidentiality and privacy

As a Private Banking client, you can be assured of privacy, discretion and a high level of individual service in your financial affairs. Private banking ensures a high measure of integrity and compliance, ensuring that your financial information is kept confidential and secure.

Networking and access

Private Banking clients, especially private business owners or established entrepreneurs, have access to a network of other professionals, experts and advisers, including lawyers, accountants, and wealth specialists who can assist you in various aspects of your financial life – for you and your family, or for your business. This ensures that you have access to a wide range of resources to make financial decisions that can empower you to grow and generate wealth.
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Dedicated relationship manager

Private Banking in South Africa offers the benefit of having a dedicated banker or relationship manager who oversees your private bank account and serves as a single point of contact for all your financial needs and queries. This personalised approach ensures that your unique financial needs are understood, and you receive tailored solutions that meet your requirements.

Tailored credit and financing solutions

Private Banking offers customised lending solutions that are not based on a credit score template. This includes mortgages or home loans, lines of credit and other tailored financing options. With a thorough understanding of your financial needs, a private banker can offer you credit and financing solutions that are personalised to your specific requirements.

Convenience and time savings

Private bankers focus on streamlining your financial management, saving you time and effort by consolidating most financial activities under one financial services provider. This can be done through direct relationships or through digital tools and online banking platforms. This approach ensures that you have more time to focus on your personal and professional life.

Personalised financial advice

As a Private Banking client, you will have access to a financial adviser who can provide you with personalised financial advice. Additionally, you will have access to long- and short-term insurance, investment and savings products that are not generally available through retail banks. This often means that you receive tailored solutions that meet your specific financial needs.

Customised investment solutions

For high-income and high- or ultra-high net worth clients, private banks offer a wide range of investment solutions, alternative investments, structured products and specialised portfolios that are aligned with your investing objectives. This ensures that you have access to investment opportunities that are tailored to your long-term goals.

Wealth creation and preservation

Private Banking is often an excellent financial partner if you wish to create grow and preserve wealth. Private banks may offer services such as estate planning, tax optimisation and succession planning to ensure that you have a clear strategy for wealth transfer across generations.

Access to exclusive services

Private Banking clients often have access or first access to exclusive financial products or investments, such as structured products or offshore saving and investing, or international access that may not be available at local banking institutions. This ensures that you have access to exclusive opportunities that can help you achieve your financial goals.

Diversification

Private Banking clients have access to wealth managers who can help you to diversify your investment portfolios, minimise or understand risk, and potentially enhance returns. For high-income or young professionals with investible assets, sometimes other investment and trading opportunities are made available through self-directed or investment packages.

Lifestyle curations

Private banks offer concierge services, including leisure and business travel planning, access to curated lifestyle offers and exclusive offers on vehicles. This niche approach to servicing clients outside of transactional or traditional banking ensures that you have a personalised experience that meets your specific lifestyle aspirations.

Economic market insights

Private banks leverage their expertise to share important financial market information, economic trends and investment strategies through newsletters or special events, whether in-person or online. This ensures that you have access to valuable insights that can help you make informed financial decisions.

Confidentiality and privacy

As a Private Banking client, you can be assured of privacy, discretion and a high level of individual service in your financial affairs. Private banking ensures a high measure of integrity and compliance, ensuring that your financial information is kept confidential and secure.

Networking and access

Private Banking clients, especially private business owners or established entrepreneurs, have access to a network of other professionals, experts and advisers, including lawyers, accountants, and wealth specialists who can assist you in various aspects of your financial life – for you and your family, or for your business. This ensures that you have access to a wide range of resources to make financial decisions that can empower you to grow and generate wealth.

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Thank you for considering Investec Private Banking.

Based on the information provided, you do not currently meet the qualifying criteria for Investec Private Banking.

❋ To qualify, you need to earn more than R800,000 a year if you’re 30 or older, or more than R600,000 a year if you’re under 30 and hold a recognised qualification. Lower income thresholds may apply for certain qualifications.

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  • Investec using such information to create a personalised experience in respect of products, services, and other offerings which Investec believes may be relevant and beneficial to me. 

I warrant that all information provided to Investec as included in this consent form or otherwise provided by me is true, accurate and complete in every aspect.

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  • Investec processing such personal information in accordance with Applicable Laws and Investec’s Data Protection Statement; and 
  • Investec using such information to create a personalised experience in respect of products, services, and other offerings which Investec believes may be relevant and beneficial to me. 

I warrant that all information provided to Investec as included in this consent form or otherwise provided by me is true, accurate and complete in every aspect.

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