Business Deposit Interest Rates

Have your finger on the pulse

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View the latest business deposit rates of all cash investments savings accounts including fixed deposit, notice deposit and instant access deposit accounts.

  • Fixed Term Deposits

     
    Fixed Deposits - Fixed Rate Plus:

     

    Fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 8.78% 9.14%
    9 Month 8.57% 8.82%
    6 Month 8.40% 8.55%
    5 Month 8.28% 8.40%
    4 Month 8.21% 8.29%
    3 Month 8.14% 8.20%
    2 Month 8.12% 8.15%
    1 Month 8.10% 8.10%
    R 250 000 - R 1 000 000
    12 Month 8.78% 9.14%
    9 Month 8.32% 8.55%
    6 Month 8.15% 8.29%
    5 Month 8.03% 8.14%
    4 Month 7.96% 8.04%
    3 Month 7.89% 7.94%
    2 Month 7.87% 7.90%
    1 Month 7.85% 7.85%
    R 100 000 - R 250 000
    12 Month 8.70% 9.06%
    9 Month 8.12% 8.34%
    6 Month 7.95% 8.08%
    5 Month 7.83% 7.93%
    4 Month 7.76% 7.84%
    3 Month 7.69% 7.74%
    2 Month 7.67% 7.69%
    1 Month 7.70% 7.70%
    Fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 8.78% 9.14%
    9 Month 8.57% 8.82%
    6 Month 8.40% 8.55%
    5 Month 8.28% 8.40%
    4 Month 8.21% 8.29%
    3 Month 8.14% 8.20%
    2 Month 8.12% 8.15%
    1 Month 8.10% 8.10%
    R 250 000 - R 1 000 000
    12 Month 8.78% 9.14%
    9 Month 8.32% 8.55%
    6 Month 8.15% 8.29%
    5 Month 8.03% 8.14%
    4 Month 7.96% 8.04%
    3 Month 7.89% 7.94%
    2 Month 7.87% 7.90%
    1 Month 7.85% 7.85%
    R 100 000 - R 250 000
    12 Month 8.70% 9.06%
    9 Month 8.12% 8.34%
    6 Month 7.95% 8.08%
    5 Month 7.83% 7.93%
    4 Month 7.76% 7.84%
    3 Month 7.69% 7.74%
    2 Month 7.67% 7.69%
    1 Month 7.70% 7.70%
    Last Updated: 19 April 2024
     
     
    Fixed Deposits - Prime Linked Rate:

     

    Primelinked fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 9.28% 9.69%
    9 Month 8.87% 9.14%
    6 Month 8.61% 8.77%
    3 Month 8.35% 8.41%
    R 500 000 - R 1 000 000
    12 Month 9.28% 9.69%
    9 Month 8.82% 9.08%
    6 Month 8.56% 8.71%
    3 Month 8.30% 8.36%
    R 100 000 - R 500 000
    12 Month 9.28% 9.69%
    9 Month 8.77% 9.03%
    6 Month 8.51% 8.66%
    3 Month 8.25% 8.31%
    Primelinked fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 9.28% 9.69%
    9 Month 8.87% 9.14%
    6 Month 8.61% 8.77%
    3 Month 8.35% 8.41%
    R 500 000 - R 1 000 000
    12 Month 9.28% 9.69%
    9 Month 8.82% 9.08%
    6 Month 8.56% 8.71%
    3 Month 8.30% 8.36%
    R 100 000 - R 500 000
    12 Month 9.28% 9.69%
    9 Month 8.77% 9.03%
    6 Month 8.51% 8.66%
    3 Month 8.25% 8.31%
    Last Updated: 19 April 2024
     

    Terms and conditions apply

    The rates are indicative rates only and will be confirmed at the time of dealing and are subject to change. The nominal rate is the interest rate on deposits which is unadjusted for compounding interest.  The effective rate is the interest rate earned on a deposit account, taking into account the effect of compounding interest.


    Disclaimer

    All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in the document is also subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec provides no investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in the appropriate documentation, signed by Investec. This information is to be used at your own risks, and Investec makes no representation with regards to the correctness of the information herein.

    Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investecprivatebank.co.za. An authorised financial services provider. Registered credit provider NCRCP9.

  • Notice Deposits

    Investec Business Top5* Nominal Period Effective
    32-day notice 8.51% 8.85%
    Investec Business Top5* Nominal Period Effective
    32-day notice 8.51% 8.85%

    32-day notice variable rate. The minimum balance requirement for the Investec Business Top5 is R1 000 000. Balances above R1 000 000 will earn the above rate. Balances below R1 000 000 will earn the above rate less 1.25%.

     

    Last Updated: 19 April 2024
     

    *Rates applicable to accounts opened from 30 September 2009.  Rates for Private Money Fund, Private Select Fund and Investec Top5 accounts opened prior to 21 September 2009 are available upon request.

    Terms and conditions apply

    The rates are indicative rates only and will be confirmed at the time of dealing and are subject to change. The nominal rate is the interest rate on deposits which is unadjusted for compounding interest.  The effective rate is the interest rate earned on a deposit account, taking into account the effect of compounding interest.


    Disclaimer

    All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in the document is also subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec provides no investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in the appropriate documentation, signed by Investec. This information is to be used at your own risks, and Investec makes no representation with regards to the correctness of the information herein.

    Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investecprivatebank.co.za. An authorised financial services provider. Registered credit provider NCRCP9.

  • Call Accounts

    MoneyFund Tracker for Business:
    MoneyFund Tracker for Business *Nominal (nacm) *Effective (naca)
    >R 100 000 7.96% 8.26%
    MoneyFund Tracker for Business *Nominal (nacm) *Effective (naca)
    >R 100 000 7.96% 8.26%

    The minimum balance requirement for the MoneyFund Tracker for Business is R100 000.

    Deposits are held on Investec's balance sheet, earning a rate linked to the performance of a qualifying basket of South African Retail Money Market Funds. The Money Funds' rates, from the previous business day, are used to calculate a daily average less 25bps which is attributed to the account. Rates are balanced daily, which reduces downside exposure to any one fund. Your funds are not invested in the underlying unit trusts and as such, do not attract downside capital risk of the underlying funds.

    Your capital is thus guaranteed, whilst offering dynamic exposure to the money funds.

     

    Last Updated: 19 April 2024
     
     
    Small Business Call Deposit:
     
    Small Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 - R 12 500 000 8.15% 8.46%
    >R12.5 mil 8.10% 8.41%
    Small Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 - R 12 500 000 8.15% 8.46%
    >R12.5 mil 8.10% 8.41%

    A Small Business is defined as a juristic entity which has a cumulative financial exposure to Investec Specialist Bank not greater than R12 500 000, but excludes, trusts, financial service providers, government institutions and parastatals.

    Should your business become reclassified to no longer qualify as a Small Business, Investec reserves the right to change the rates applied to your Call Account from the Small Business Call Deposit Rates to the Business Call Deposit rates, as detailed below.

     

    Last Updated: 19 April 2024
     
     
    Business Call Deposit:
     
    Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 plus 8.10% 8.41%
    Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 plus 8.10% 8.41%

    The Investec Small Business Call Deposit and Business Call Deposit are both priced at a fixed differential to Prime which is currently 8.25%.

     

    Last Updated: 19 April 2024
     
     
    Call Deposits:
     
    Call Deposits Nominal Period Effective
    R 10 000 000 and above 7.75% 8.03%
    R 5 000 000 - R 10 000 000 7.50% 7.76%
    R 1 000 000 - R 5 000 000 6.75% 6.96%
    R 500 000 - R 1 000 000 6.00% 6.17%
    R 250 000 - R 500 000 5.50% 5.64%
    R 100 000 - R 250 000 5.25% 5.38%
    Call Deposits Nominal Period Effective
    R 10 000 000 and above 7.75% 8.03%
    R 5 000 000 - R 10 000 000 7.50% 7.76%
    R 1 000 000 - R 5 000 000 6.75% 6.96%
    R 500 000 - R 1 000 000 6.00% 6.17%
    R 250 000 - R 500 000 5.50% 5.64%
    R 100 000 - R 250 000 5.25% 5.38%
    Last Updated: 19 April 2024
     

    Rates are subject to change based on daily market influctions. 

    Terms and conditions apply

    Disclaimer

    All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in the document is also subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec provides no investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in the appropriate documentation, signed by Investec. This information is to be used at your own risks, and Investec makes no representation with regards to the correctness of the information herein.

    Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investecprivatebank.co.za. An authorised financial services provider. Registered credit provider NCRCP9.

     

    Last Updated: 19 April 2024
     

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Disclaimer

All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in the document is also subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec provides no investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in the appropriate documentation, signed by Investec. This information is to be used at your own risks, and Investec makes no representation with regards to the correctness of the information herein.
 
Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investec.com. An authorised financial services provider. Registered credit provider NCRCP9.