Business Deposit Interest Rates
Have your finger on the pulse
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:
12 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 7.22% | 7.46% |
| R 250,000 - R 1,000,000 | 7.30% | 7.55% |
| Above R 1,000,000 | 7.30% | 7.55% |
9 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.63% | 6.78% |
| R 250,000 - R 1,000,000 | 6.83% | 6.99% |
| Above R 1,000,000 | 7.08% | 7.25% |
6 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.42% | 6.51% |
| R 250,000 - R 1,000,000 | 6.62% | 6.71% |
| Above R 1,000,000 | 6.87% | 6.97% |
5 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.37% | 6.44% |
| R 250,000 - R 1,000,000 | 6.57% | 6.64% |
| Above R 1,000,000 | 6.82% | 6.90% |
4 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.29% | 6.34% |
| R 250,000 - R 1,000,000 | 6.49% | 6.54% |
| Above R 1,000,000 | 6.74% | 6.80% |
3 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.29% | 6.32% |
| R 250,000 - R 1,000,000 | 6.49% | 6.53% |
| Above R 1,000,000 | 6.74% | 6.78% |
2 Months Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.28% | 6.30% |
| R 250,000 - R 1,000,000 | 6.48% | 6.50% |
| Above R 1,000,000 | 6.73% | 6.75% |
1 Month Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 250,000 | 6.30% | 6.30% |
| R 250,000 - R 1,000,000 | 6.45% | 6.45% |
| Above R 1,000,000 | 6.70% | 6.70% |
Last Updated: 20 August 2026
Fixed Deposits - Prime Linked Rate:
12 Months Prime Linked Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 1,000,000 | 8.03% | 8.33% |
| R 1,000,000 - R 10,000,000 | 8.03% | 8.33% |
| R 10,000,000 - R 25,000,000 | 8.03% | 8.33% |
| Above R 25,000,000 | 8.03% | 8.33% |
9 Months Prime Linked Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 1,000,000 | 7.57% | 7.76% |
| R 1,000,000 - R 10,000,000 | 7.62% | 7.82% |
| R 10,000,000 - R 25,000,000 | 7.67% | 7.87% |
| Above R 25,000,000 | 7.77% | 7.97% |
6 Months Prime Linked Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 1,000,000 | 7.31% | 7.42% |
| R 1,000,000 - R 10,000,000 | 7.36% | 7.47% |
| R 10,000,000 - R 25,000,000 | 7.41% | 7.53% |
| Above R 25,000,000 | 7.51% | 7.63% |
3 Months Prime Linked Fixed Deposit
| Deposit Nominal Value | Nominal | Period Effective |
|---|---|---|
| R 100,000 - R 1,000,000 | 7.05% | 7.09% |
| R 1,000,000 - R 10,000,000 | 7.10% | 7.14% |
| R 10,000,000 - R 25,000,000 | 7.15% | 7.19% |
| Above R 25,000,000 | 7.25% | 7.29% |
Last Updated: 20 August 2026
Notice Deposits
| Business Top5 | Nominal | Annual Effective |
|---|---|---|
| 32-day notice | 6.64% | 6.85% |
Last Updated: 20 August 2026
If you have a Private Business Account, or if your business is classified as a trust, non-financial corporate or government entity, please contact your banker to confirm the applicable rates.
The Investec Business Top5 has a variable rate linked to the average of the top five qualifying money market funds. Minimum balance of R1,000,000 is required. Balances below the minimum requirement earn a lower, tiered rate.
SmartRate Notice for Business:
| Available on demand (%) | 15 | 32 | 45 | 60 | 90 | 120 |
|---|---|---|---|---|---|---|
| 0 | 7.15% | 7.50% | 7.53% | 7.55% | 7.65% | 7.70% |
| 10 | 7.07% | 7.45% | 7.48% | 7.50% | 7.59% | 7.63% |
| 20 | 7.04% | 7.40% | 7.42% | 7.44% | 7.52% | 7.57% |
| 30 | 7.01% | 7.35% | 7.37% | 7.39% | 7.46% | 7.49% |
| 40 | 6.99% | 7.30% | 7.32% | 7.33% | 7.40% | 7.42% |
| 50 | 6.96% | 7.25% | 7.27% | 7.28% | 7.33% | 7.35% |
Last Updated: 20 August 2026
If you have a Private Business Account, or if your business is classified as a trust, financial institution, non-financial corporate or government entity, please contact your banker to confirm the applicable rates.
The 15-day rate option is only available to Private Business Account holders.
Call Accounts
MoneyFund Tracker for Business:
| MoneyFund Tracker | Nominal | Annual Effective |
|---|---|---|
| >R100 000 | 6.36% | 6.55% |
Last Updated: 20 August 2026
The minimum balance requirement for the MoneyFund Tracker for Business is R100,000 and is only open to Private Business Account holders.
If your business is classified as a financial, trust, non-financial corporate or government entity, please contact your banker to confirm the applicable rates.
Variable rate that approximates the average of the top qualifying money market funds’ published daily rates less an Investec determined spread.
| Call Deposits | Nominal | Annual Effective |
|---|---|---|
| R100 000 - R250 000 | 3.90% | 3.97% |
| R250 000 - R500 000 | 4.15% | 4.23% |
| R500 000 - R1 000 000 | 4.65% | 4.75% |
| R1 000 000 - R5 000 000 | 5.40% | 5.54% |
| R5 000 000 - R10 000 000 | 6.15% | 6.33% |
| R10 000 000 and above | 6.40% | 6.59% |
Last Updated: 20 August 2026
If you have a Private Business Account, or if your business is classified as a trust, financial institution, non-financial corporate or government entity, please contact your banker to confirm the applicable rates.
Rates are subject to change based on daily market influctions.
All products are subject to the product rules.
Rates are subject to change based on daily market fluctuations. Terms and conditions apply.
Rates are indicative only, subject to change, and will be confirmed at the time of finalizing your deposit. “Nominal rate” is the annual interest rate not taking compounding into account. “Effective rate” is the annualized rate with monthly compounding effects included.
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. 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 Bank Limited registration number 1969/004763/06. Investec 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.
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