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SmartRate Notice Deposit

Our flexible notice deposit account lets you structure your cash savings according to your needs.

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Apply today

Want to to start saving?

Existing Investec Private Banking clients – log into online banking to start saving. New clients – get in touch today, via the form below.

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A single, flexible plan

  • Convenient access

    Our SmartRate savings offering gives you the higher interest rates of a fixed deposit account, with the convenient access of a call account in a single flexible plan. 

Choose

your preferred notice period and preferred interest rate

R1,000

Minimum opening deposit if you have a Private Bank Account

R100,000

Minimum opening deposit if you don't have a Private Bank Account
How the product works
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Select your interest rate

  • Your rate is determined by your unique requirements (percentage instant access required and notice period)
  • Receive a competitive market-related deposit rate, based on a fixed differential to Investec’s prime lending rate, calculated per annum
  • Choose between having your monthly interest compounded or paid away

 

Choose your percentage of instant access

  • Service your cash flow needs by choosing your desired level of access, from 0% to 50%, in 10% increments. Once selected, these funds are available for immediate access at any time

 

Weigh up your notice period

  • Meet your savings objectives by selecting the investment period you require. Choose from 15, 32, 45, 60, 90 and 120 day notice periods
  • You may place notice on your funds at any time

 

Decide on your deposit amount

  • The minimum deposit amount is a lump sum of R1,000 if you hold a  a Private Bank Account, or R100,000 if you don't have a Private Bank Account
  • You are able to make additional deposits into your account after your initial deposit
Benefits
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  • Tailor make the account that works for you
  • No monthly fees are applicable on this product*
  • No transaction fees
  • Dedicated service
  • Free online banking
Minimum & maximum deposit
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  • Save from R1,000 if you have a Private Bank Account, or from R100,000 if you don't have a Private Bank Account.

See what your returns could be:

Future value calculator
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Investment Amount *
R
Term *
Interest Rate *
%

R 0.00

Future Value (Interest compounded)*

R 0.00

Interest Paid at Maturity*

0 %

Nominal Rate (NACM)

R 0.00

Interest Paid Monthly (Approximately)*

0 %

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.

Interested in the SmartRate account?

Click the button and leave your details in the form

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Product download

Download the SmartRate product rules PDF 149.3 KB

Interest rates

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Terms & Conditions

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More access with notice accounts

SmartRate 15-day Notice Deposit

SmartRate 15-day Notice Deposit

Earn an enhanced rate while also having access to your funds 15 days after placing notice.

Learn more
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 Registered Credit Provider (NCRCP 9), an authorised Over the Counter Derivatives Provider, and a member of the JSE. Investec is committed to the Code of Banking Practice as regulated by the National Financial Ombud Scheme.

 

Copies of the Code and the Ombudsman's details are available on request or visit Investec COBP.