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Instant Access Accounts

Your money, whenever you want it

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Instant access savings products

PrimeSaver

Save from R100,000

• Prime-linked interest rate • Immediate access to your funds, in 24-48 hours • Savings clients can save from R100,000 • Private Bank clients can save from R1 • No monthly fees • The premium rate applies to the first R25million deposited. Any funds over this amount will earn the next tiered rate, resulting in a blended rate for the overall balance.
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MoneyFund Tracker

Save from R100,000

• Daily interest rate that approximates the average of the top qualifying¹ money market funds’ published daily rates • Immediate access to your funds, in 24-48 hours • Savings clients can save from R250,000 • Private Bank clients can save from R100,000 • No monthly fees
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PrimeSaver

Save from R100,000

• Prime-linked interest rate • Immediate access to your funds, in 24-48 hours • Savings clients can save from R100,000 • Private Bank clients can save from R1 • No monthly fees • The premium rate applies to the first R25million deposited. Any funds over this amount will earn the next tiered rate, resulting in a blended rate for the overall balance.
Learn more
MoneyFund Tracker

Save from R100,000

• Daily interest rate that approximates the average of the top qualifying¹ money market funds’ published daily rates • Immediate access to your funds, in 24-48 hours • Savings clients can save from R250,000 • Private Bank clients can save from R100,000 • No monthly fees
Learn more

Interest rates

Check what the latest interest rates are

Apply for a savings account or contact your private banker. Minimum deposits from R100,000 required to open an Investec savings account

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See what your returns could be:

  • Future value calculator

    Investment Amount *
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    Interest Rate *
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    Nominal Rate (NACM)

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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.

Looking for more savings options?

Access with notice
Access after a fixed period

Access with notice

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.

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Access after a fixed period

Access after a fixed period

For individuals with no immediate need for liquidity, our fixed deposit options offer exceptional returns, providing an avenue to grow your savings. Choose between durations of 6 or 12 months, or longer terms of 24 or 60 months to maximize the growth of your savings.

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

  • Flexible, easy access

    It’s not always easy to anticipate when you’ll need to get hold of your savings. So we’ve created two savings products that enable you to withdraw some, or all, of your funds immediately.

  • Unlock a generous savings rate

    You have the choice of the prime-linked PrimeSaver or money market-linked MoneyFund Tracker. Choose whichever option suits you best and enjoy some of the most competitive rates in the market, for your cash deposits.

  • Exceptional service

    You will not be charged any monthly fees and you will be able to manage your savings online. If you have any queries or need urgent assistance, our global Client Support Centre is available to you 24/7/365.

     

     

PODCAST: On George Best, and the Psychology of Saving
While we know we should save, it’s a tough thing to do. Investec's Marc Kahn and René Grobler bring to light how to think about savings differently and how we should be teaching rather than preaching financial responsibility.

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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.

 

1Below are the qualifying criteria that the Investec MoneyFund Tracker pricing is derived from
• 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.

*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.