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 Plus:
     
    Fixed Deposits Nominal Period Effective
    Over R1 000 000
    12 Month 7.95% 8.25%
    9 Month 7.72% 7.92%
    6 Month 7.58% 7.70%
    5 Month 7.41% 7.50%
    4 Month 7.28% 7.35%
    3 Month 7.06% 7.10%
    2 Month 6.98% 7.00%
    1 Month 6.85% 6.85%
    R250 000 - R1 000 000
    12 Month 7.95% 8.25%
    9 Month 7.47% 7.66%
    6 Month 7.33% 7.44%
    5 Month 7.16% 7.25%
    4 Month 7.03% 7.09%
    3 Month 6.81% 6.85%
    2 Month 6.73% 6.75%
    1 Month 6.60% 6.60%
    R100 000 - R250 000
    12 Month 7.87% 8.16%
    9 Month 7.27% 7.45%
    6 Month 7.13% 7.24%
    5 Month 6.96% 7.04%
    4 Month 6.83% 6.89%
    3 Month 6.61% 6.65%
    2 Month 6.53% 6.55%
    1 Month 6.45% 6.45%
    Last Updated: 18 January 2019
     
     
    Fixed Deposits - Prime Linked Rate:
     
    Prime-linked fixed deposits Nominal Period Effective
    Over R1 000 000
    12 Month 7.78% 8.06%
    9 Month 7.37% 7.55%
    6 Month 7.11% 7.22%
    3 Month 6.85% 6.89%
    R500 000 - R1 000 000
    12 Month 7.78% 8.06%
    9 Month 7.32% 7.50%
    6 Month 7.06% 7.16%
    3 Month 6.80% 6.84%
    R100 000 - R500 000
    12 Month 7.78% 8.06%
    9 Month 7.27% 7.45%
    6 Month 7.01% 7.11%
    3 Month 6.75% 6.79%
    Last Updated: 18 January 2019
     
     
    Fixed Deposits - LiquidFixed:
     
    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 Top 5* Nominal Period Effective
    R1mil to R25mil 7.46% 7.72%
    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: 18 January 2019
     
    *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.
  • SmartRate Notice Deposit

    .

    SmartRate Notice Deposit

    Last Updated: 18 January 2019
     
  • Call Accounts

     
    Small Business Call Deposit:
     
    Small Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 - R12 500 000 6.75% 6.96%
    >R12.5 mil  6.60% 6.80%
    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: 18 January 2019
     
     
    Business Call Deposit:
     
    Business Call Deposit *Nominal (nacm) *Effective (naca)
    R100 000 Plus 6.60% 6.80%
    The Investec Small Business Call Deposit and Business Call Deposit are both priced at a fixed differential to Prime which is currently 10.00%.
    Last Updated: 18 January 2019
     
     
    Call Deposits:
     
    Call Deposits Nominal  Period Effective
    R10 000 000 and above 6.25% 6.43%
    R5 000 000 - R10 000 000 6.00% 6.17%
    R1 000 000 - R5 000 000 5.25% 5.38%
    R500 000 - R1 000 000 4.50% 4.59%
    R250 000 - R500 000 3.75% 3.82%
    R100 000 - R250 000 3.25% 3.30%
    Last Updated: 18 January 2019
     
    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: 18 January 2019
     

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