Fixed term

Fixed term savings accounts

Protecting your returns

Fixed term savings products

Fixed term deposit

Save from R100,000

• Fixed interest rate
• Fixed terms from one month to five years
• No access to your funds until maturity
Prime-linked fixed deposit

Save from R100,000

• Prime linked interest rate
• Fixed terms from three months to three years
• No access to your funds until maturity
LiquidFixed

Save from R100,000

• Prime linked interest rate
• Fixed terms from six months to five years, one month intervals
• Instant access from 0% - 50%, in 10% increments
Tax free fixed deposit

Save from R30,000 per tax year

• Premium fixed rate for a term of 12 months
• 100% tax free
• No access to your funds until maturity

See what your returns could be:

  • Future value calculator

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Apply for a savings account or contact your private banker

Should you not need access to your savings for a fixed period of time, our range of fixed term savings products bring you exceptional returns. The longer you fix your savings for, the higher your returns will be.

  • It pays to fix your savings period

    Fixed term savings periods range from one month to five years. You can choose between our Fixed term deposit account, Prime-linked, LiquidFixed or Tax free fixed deposit products. Your capital is guaranteed and there are no monthly fees.

  • Competitive fixed term deposit interest rates

    You receive a competitive fixed term deposit interest rate depending on your savings amount and term. You earn interest from day one and interest earned can be compounded monthly or paid out.

  • Managing your fixed term account is easy

    Enjoy free online banking, no monthly fees and guaranteed capital as well as access to our global Client Support Centre, for support, 24/7/365.

René Grobler, Investec Cash investments head

We make every effort to ensure you have what you need in order to make informed savings decisions.

René Grobler, Cash Investments head

Interest rates

Check what the latest interest rates are

Why South Africa needs to "save itself"

We know that South Africans haven’t been good at saving. In fact, as René Grobler, Investec Cash Investments head, points out, we’ve been good at accumulating debt.  

Looking for more savings options?

Access immediately

Access with notice

Access immediately

Our instant access deposit accounts offer you immediate access to your funds, while ensuring you still benefit from a competitive rate.

Access with notice

You receive flexible notice terms to suit your needs, a prime-linked or money market-linked rate, the chance to top up funds as you require, guaranteed capital and freedom from monthly fees.

View terms and conditions

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.

All rates are indicative, and are subject to vary as rates are calculated on a daily basis.  This is not an official confirmation of the term or rate, and any transaction that may be concluded pursuant to this shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties.