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Notice deposits - a smarter solution for your cash

The longer you save, the more you earn

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Image of a zebra

Choosing the best business cash solution depends on your goals, so plan ahead and make your money work harder for you.

Get rewarded with competitive interest rates now

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Benefits of a notice deposit account

 

Like savings accounts, notice deposit accounts are a place to save money, but given that they require advance notice before money can be withdrawn, they typically offer more competitive rates than the average savings account. When opening a Notice Deposit investment, you select the notice period (anywhere from 32–120 days) and the percentage of your deposit that you would require access to (0%-50%), based on your unique business requirements. There are a number of advantages that make a notice deposit account appealing, including guaranteed returns, peace of mind, and zero monthly fees – while reaping the benefits of competitive interest rates. 

Notice and access tailored to you

Choose a notice period that suits you. Service your cash flow needs by also customising your desired level of access and deposit amount. Plan ahead and be rewarded.

Benefit from the best rates

Receive a prime-linked return (SmartRate Plus) or an interest rate that approximates the average of the top 5 qualifying¹ money market funds’ published rates (Business Top5) without the inconvenience or cost of switching between funds. Improve your notice deposit rates by increasing your notice period or decreasing your percentage access and have the potential to earn additional interest when you don’t place notice. 

Peace of mind

Across the entire range of products, your deposits are capital guaranteed with no monthly fees to erode your earnings. Choose to open a stand-alone online electronic account, linked to your investment account for a low monthly fee and a per-transaction charge.

Choose a solution that works for you
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SmartRate Notice Deposit

Looking for a personalised product designed for your unique requirements? Then let the SmartRate Plus Notice Deposit do the thinking for you to ensure you meet your savings objectives, while still giving you the flexibility and access your business needs. Design your ideal notice period and level of access and be rewarded. 

 

Key features:

  • Minimum deposit of R100,000.
  • Competitive market-related interest rate.
  • Choose a notice period that suits you between 32–120 days.
  • Access 0–50% of your funds in 10% increments.
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Investec Business Top5

Don’t let your surplus cash sit around doing nothing! With this exclusive 32-day notice deposit product, earn a money market-related interest rate that approximates the average of the Top 5 qualifying¹ money market funds – without the inconvenience or cost of switching between funds. The Business Top5 offers a winning formula – a combination of competitive rates, liquidity, and flexibility – exactly what your business needs to maximise its investment. 

 

Key features

  • Minimum deposit of R1 million
  • Maximum product limit of R25 million
  • Maximum money fund-linked portfolio limit of R50 million
  • Average of Top 5 qualifying¹ money market funds without the inconvenience or cost of switching.
  • Choice between compounding or monthly interest
  • 20% instant access on cleared funds and 80% on a 32-day notice period
  • No monthly fees*.

Looking to earn top rates

Daily interest rates

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Disclaimer

Investec Corporate and Institutional Banking (referred herein as “Investec”) is a division of Investec Bank Limited registration number 1969/004763/06, which is a registered bank, an Authorised Financial Services Provider (11750), a National Credit Provider (NCRCP 9) and a member of the JSE. Investec is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and the Ombudsman's details are available on request or visit www.investec.com.

1Qualification criteria for the funds from which the pricing of the Investec Business Top5 is derived:
• South African retail money market funds
• A fund size of R10 billion or more
• Less than 25% invested in corporate debt
Fund selection criteria are subject to change and the number of ranked funds may change from time to time. Investec accepts no responsibility for changes in the fund or fund rankings.