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Access with Notice Savings Accounts

Competitive returns and flexibility

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Notice savings account products

SmartRate Plus

Save from R100,000

Prime-linked interest rate.

Notice period from 15, 32, 45, 60, 90 or 120 days.

Access 0% - 50% of your funds in 10% increments.

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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.

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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.

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7-Day Notice Deposit

For Investec Private Bank account holders only

Earn a competitive interest rate and access your savings, 7 days after placing notice

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SmartRate Plus

Save from R100,000

Prime-linked interest rate.

Notice period from 15, 32, 45, 60, 90 or 120 days.

Access 0% - 50% of your funds in 10% increments.

Read more
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.

Read more
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.

Read more
7-Day Notice Deposit

For Investec Private Bank account holders only

Earn a competitive interest rate and access your savings, 7 days after placing notice

Read more

See what your returns could be:

  • Future value calculator

    Investment Amount *
    R
    Term *
    Interest Rate *
    %

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    Future Value (Interest compounded)*

    R 0.00

    Interest Paid at Maturity*

    0 %

    Nominal Rate (NACM)

    R 0.00

    Interest Paid Monthly (Approximately)*

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    Period Effective Yield

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 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.

Learn more

Access after a fixed period

For individuals with no immediate need for liquidity, our bespoke 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.

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.

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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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

Click here
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.

*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.