Call Account for your business

Convenient and flexible cash investments

An account that offers instant access to your business savings. The Investec Business Call Account offers competitive interest rates, guaranteed capital, and instant access.  

Want to learn more about our Call Account? Let one of our experienced consultants assist you.

Cash Investments

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A Call Account that’s right for your business 

A Business Call Deposit Savings account allows you to invest over an indefinite period, with immediate access to your money to take care of business and payment cycles while still earning a competitive prime-linked interest rate. 

Key benefits include:

Competitive rates

Our call accounts offer a convenient way to manage your savings and investments, while offering premium prime-linked rates, some of which can be tiered, according to the size of your business. 

Instant access

You will have 100% access to your business’ funds whenever you need them, as well as the ability to add to your investment over time. Enjoy a secure cash investment and guaranteed capital.

Stay in control

Our online banking functionality allows you to view statements and transactional history and process payments to preloaded beneficiaries. And with no monthly management or administration fees, 24/7 telephonic or online access to your funds, as well as a dedicated relationship manager to help manage your portfolio – you stay completely in control of your cash investment funds.

Business Call Account

Most banks offer similar call account solutions; however, it is essential to find a bank that offers competitive prime-linked interest rates with the flexibility to withdraw or deposit funds when needed. Together with dedicated relationship managers that are passionate about helping your business and customising solutions to suit your unique business requirements. That way you are able to benefit from a range of flexible products that offer you capital protection, security and competitive returns. 

 

Key features:

 

  • Prime-linked interest rate
  • Minimum initial deposit of R100,000.
  • Minimum portfolio balance of R1 million.
  • Additional deposits can be made at any time. 
  • Earn premium prime-linked interest rates. 
  • Interest accrues daily and can either be compounded monthly or transferred to a designated bank account.
  • Available funds may be withdrawn immediately. 
  • No monthly management or administration fees.

*Small Business Call Account

As a *small business we understand that you are looking for a solution that allows you to invest your hard-earned savings and reap the benefits, but still get instant access to your savings and investments in case of emergencies or unforeseen expenses. Our Small Business Call Account not only offers you more competitive interest rates than some call money accounts, but it also provides guaranteed capital and instant access.  Additionally, there are no limits on deposits or penalties on the number of withdrawals – perfect for small businesses.

 

Key features:

 

  • Prime-linked interest rate
  • Minimum initial deposit of R100,000.
  • Minimum portfolio balance of R1 million. 
  • Maximum portfolio balance of R12.5 million. 
  • Additional deposits can be made at any time. 
  • Earn premium prime-linked interest rates. 
  • Interest accrues daily and can either be compounded monthly or transferred to a designated bank account.
  • Available funds may be withdrawn immediately. 
  • No monthly management or administration fees.

 

 

We also understand that one size doesn’t fit all and as such, we offer two prime-linked call accounts depending on the size of your business. As a *small business, you can benefit from a slightly higher interest rate than if you were a bigger enterprise, while stile having the flexibility to withdraw or deposit funds, as and when you need them. 

Learn more about our business cash solutions and how they can change your business

Cash Investments

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Interested in some of our other cash investment offerings?

Flexible notice accounts

Fixed term deposits

Flexible notice accounts

Plan ahead and lock your funds away. The more you save, the more you earn and with our blend of flexible notice accounts, you can access a selected portion of your investment.

Fixed term deposits

Planning for the future is key to business success. If you are able to identify surplus funds, why not lock them away in a fixed-term savings account where you will be rewarded with highly competitive returns?

Find out more about our full business banking portfolio

Business lending

Our approach to enabling growth is unique. We seek to understand you and your business first. We are driven by our distinctive service and specialist expertise. The result? A bespoke lending offering that aligns and optimises your working capital cycle – providing you with headroom that your business needs to grow in a refreshingly human way.

Forex Management for business

Understanding costs and planning rather than reacting is key. From simple cross-border trade-related payments to sophisticated hedging solutions, we can deal with all your foreign exchange requirements.

Not sure what your business needs? Let us tailor a solution for you.

Cash Investments

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Frequently asked questions

  • What is a Call Account?

    A call account is a savings account that allows immediate withdrawal of funds if needed. It allows you to earn better interest rates on your average balance and provides you with the opportunity to deposit and withdraw funds at any time – giving you immediate access when you need it most. 

  • What are the benefits of a Call Account?

    A business call account offers a safe and convenient way to manage your savings and cash investments while offering a higher interest rate. Some additional benefits include:  

    • Liquidity – access to 100% of the total available balance immediately
    • Flexibility
    • Earns you money – competitive interest rates to reward higher balances
    • Allows for convenient cash management
  • Does a business need a call account?

    It depends on your business structure and how the business is trading but a business call account is a great interest-bearing account designed to help you accumulate extra income and build up your cash reserves while allowing for withdrawals without losing interest earned.