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Relationship banking

Relationship banking, often equivalent to private banking, is a suite of banking services that focuses on client-centricity. Relationship bankers work closely with their clients to understand their financial needs and goals. With highly individual and personalised financial services, it can build long-term connections with you, your family and your business.

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Although technology and online banking have provided us with greater convenience, our financial needs are often more complex than we realise, particularly when it comes to financing, loans, or understanding interest rates.

Most time-starved high-income or high net-worth professionals seek a financial institution they can trust and that will support them on their journey to wealth creation. The reality is that no financial relationship lasts for only a single transaction and we often underestimate the importance of the banker-client relationship.

Become a Private Banking client

When you partner with Investec, you gain access to our award-winning Private Banking offering, which includes a suite of banking services, both locally and internationally, enabling you to create, grow, preserve, and protect your wealth.

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Interest rate

If you earn a specific salary or income, or hold a particular qualification, you may be eligible for an exclusive bank account and credit card with a competitive or preferential interest rate.

Credit facility

In certain instances, you may also receive a budget or credit facility. You will usually be assigned specialist Private Bankers, relationship bankers or concierge banking support desk to assist with your transactional or lending queries.

Rewards

There are other perks too, such as special loyalty or rewards programmes, and exclusive offers.

Features and benefits

Do you need a relationship banker?

If you are seeking a simplified banking solution or want to save time, relationship-based banking may be suitable for you as it provides a central point of contact and quick access to other financial services.

For instance, busy medical professionals or business owners may prefer to have specialist Private Bankers available to assist with all their transactional and financing requirements.

A family banking offering may be an advantage for some, as it allows you to leverage the benefits of a rewards or loyalty programme.

Most importantly, when you have a close relationship with your banker and they understand your short- and long-term needs, they can guide you at every stage of your life, lifestyle and career.

Your Private Banking journey starts here

Please complete a few details and one of our Private Bankers will be in touch

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Getting to know you

 

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For assistance with your application, call +27 (11) 291 3803 or email ApplicationAssist@investec.com
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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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By providing information, including Personal Information, to Investec as included in this consent form or otherwise provided by me, I consent to:

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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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Consent *

By providing information, including Personal Information, to Investec as included in this consent form or otherwise provided by me, I consent to:

  • Investec using such information to obtain further information from external and public sources and to verify any information through Information Verification Suppliers who may perform background screening checks including checks related to but not limited to, identity, address, income, credit, qualifications, criminal record, employment references and fraud prevention; 
  • 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.

Declaration *

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Before you continue, please read our Privacy Policy.

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Which of the following products are you interested in? *

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Please provide us with your contact details and consent

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Provide your NAV (in rands) *

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Provide your investible asset value *

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By submitting this form, you give Investec permission to perform a credit check on you.

Select your type of identification *

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ID number *

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Passport Number *

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YYYY-MM-DD *

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Minimum characters 10

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Consent *

By providing information, including Personal Information, to Investec as included in this consent form or otherwise provided by me, I consent to:

  • Investec using such information to obtain further information from external and public sources and to verify any information through Information Verification Suppliers who may perform background screening checks including checks related to but not limited to, identity, address, income, credit, qualifications, criminal record, employment references and fraud prevention; 
  • 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.

Declaration *

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Before you continue, please read our Privacy Policy.

If you need any assistance with your application, you are welcome to call us on +27 (11) 291 3803 or email ApplicationAssist@investec.com.

Please complete all required fields before sending.

Thank you. We've received your application.

A member of the Private Banking team will be in touch soon regarding the next steps.

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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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WHAT DOES IT OFFER?

Private or relationship banker

Providing personalised banking and investment services to high net worth individuals and families.


The banker acts as a central point of contact for their clients, offering tailored solutions to help you manage your wealth, achieve your financial goals and navigate a complex financial world and that, moreover, understand the current market and economy.
 

Pilot

If you are a pilot or first officer working for SAA or Comair and earn more than R600,000 a year, you may qualify for a Private Bank Account for young professionals at a reduced fee until you turn 30 years of age.

IT professional

If you are an IT professional with a degree or diploma and earn a minimum of R600,000 a year, or if you are on a one-year or more IT graduate programme at a recognised IT company, you may qualify for a Private Bank Account for young professionals at a reduced fee until you turn 30 years of age.

Transactional account

A bank account and credit and debit card  for online or in-store purchases or ATM cash withdrawals. It usually offers benefits such as rewards, cashback, fraud protection and travel insurance. 

Savings account

Special rates on accounts to save money for short-term goals or emergencies. The accounts accounts are low-risk and offer easy access to funds.

Online banking

A convenient, digital way to make payments and manage finances, complimented with an App and digital support channels.

A loyalty or rewards programme

Earn points or rewards for your loyalty, often redeemed as savings or other benefits. 

Learning Centre

Need more info about banking?

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High touch is still a factor

In our fast-paced, technology-driven lives, the human touch remains crucial, particularly when it concerns our finances and future. Relationship banking like private banking provides a level of assurance, reliability and ease that is not often found in other retail banking services. It is important to find a bank with a solid reputation for providing value and service and that can cater to your financial needs.

Learn more about Private Banking

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Why not partner with a leading bank on your wealth creation journey? We recognise your potential early on in your career. As an emerging, qualified South African professional, reap the benefits of our full Private Banking offering at a reduced monthly fee until you turn 30.

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Investec Rewards

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FOCUS INSIGHTS

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