Access with Notice Savings Accounts

Competitive returns and flexibility

Notice savings account products

SmartRate Plus

Save from R100,000

• Prime-linked interest rate.
• Notice period from 32, 45, 60, 90 or 120 days.
• Access 0% - 50% of your funds in 10% increments.
Top5 Optimiser

Save from R100,000* or from R250,000**

• Daily rate approximates the average of the top 5 qualifying¹ money market funds’ published daily rates.
• Notice period is 45 or 90 days.
• Immediate access to 10% of your funds.
Private Select Fund

Save from R1 million

• Daily rate approximates the average of the top 4 qualifying¹ money market funds’ published rates.
• Notice period is 40 days.
• Immediate access to 10% of your funds.

See what your returns could be:

  • Future value calculator

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Looking for more savings options?

Access immediately

Access after a fixed period

Access immediately

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

Access after a fixed period

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

Interest rates

Check what the latest interest rates are

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.

  • It pays to have a notice savings account
    With Investec's notice savings accounts, you will be rewarded with a higher interest rate, by planning ahead, and giving us notice on when you would like to access your funds. You have the choice of a wide range of notice account savings products to suit your personal savings goals
  • Maximising your savings growth
    You know how important it is to maximise the growth of your savings. Let us help you earn consistently competitive returns through a wide range of notice savings accounts.  From a 32-day notice account to a 120 day notice account. The choice is yours.
  • Your interests at heart
    You won’t be faced with hidden charges and our approach is at all times transparent. We are available to you 24/7/365.
Personal cash investments head

Through our digital platform and our dedicated team of savings specialists, we partner with you to make your savings goals a reality.

Thami Mxadana, Personal Cash Investments head

Not sure what's best for you? Talk to our savings experts

Investec GIBS Savings Index. The real facts about savings.

 

René Grobler, Investec Cash Investments head, gives an in-depth analysis of the state of savings in South Africa for the Investec GIBS Savings Index.

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

  • South African retail money market funds
  • A fund size of R1 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.
 
*Clients with an Investec Private Banking account save from R100,000 **Clients without an Investec Private Banking account Save from R250,000
 
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.