6 - 60 months

Fixed term options


Minimum deposit


Guaranteed returns

A combination of flexibility and guaranteed returns to suit you

Personalise your own fixed deposit product. Select the term, level of access and deposit amount of your fixed deposit, to suit your needs. We will reward you with an interest rate depending on what you have selected.


  • How the product works

    • Your prime linked rate is determined by your unique requirements (accessibility, term and deposit amount)
    • Receive a competitive market related deposit rate, based on a fixed differential to Investec’s prime lending rate
    • Choose between having your monthly interest compounded or paid away


    Steps to take:

    1. Choose your percentage of instant access
    2. Select your term
    3. Decide on your deposit amount
    4. Use our unique interactive tool to do all of the above and personalise your fixed deposit account
    5. Contact us to apply
  • Benefits

    • To ensure that you achieve maximum capital preservation, no fees are applicable on this product*
    • Dedicated service
    • Free online banking
  • Minimum & maximum deposit

    • Minimum deposit of R100,000 

Unavailable on Mobile

See what your returns could be:

  • Future value calculator

    Investment Amount *
    Term *
    Interest Rate *

    R {[futureValForm]}

    Future Value (Interest compounded)*

    R {[interestPaidForm]}

    Interest Paid at Maturity*

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    Nominal Rate (NACM)

    R {[InterestPaidMonthlyForm]}

    Interest Paid Monthly (Approximately)*

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    Period Effective Yield

Apply for a savings account or contact your private banker

More fixed deposit accounts

Fixed Term Deposit

Fixed Term Deposit account

Earn higher returns with a fixed rate on your savings, for a fixed period of time.
The longer you save, the more favourable your returns will be. 

Prime-linked Fixed Deposit

Prime-linked Fixed Deposit account

Earn a fixed rate on your savings that is prime-linked, for a fixed period of time.
Saving for longer brings you higher returns.

Tax Free Fixed Deposit

Tax Free Fixed Deposit account

Maximise your returns with a product that is fully exempt from tax. Invest in a 12-month fixed deposit, earn a special rate and optimise your savings.

Interest rates

Check what the latest interest rates are