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SmartRate Plus Notice Deposit

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

Father and son hugging

Choose

your preferred notice period

R100,000

Minimum deposit

Choose

your preferred interest rate

Let the SmartRate Plus Notice Deposit do the thinking for you

Personalise your notice deposit account according to your needs, while receiving a competitive interest rate with the Investec SmartRate Plus Notice Deposit. You will earn an additional 0.10% when you don’t place notice for 30 days.

Our SmartRate Plus 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. 

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

  • How the product works

    • 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
    • When you don’t place notice on your funds, you will earn additional interest on top of your applicable interest rate: 30 days without placing notice – you will earn an additional 0.10%
    • 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 R100,000
    • You are able to make additional deposits into your account after your initial deposit

  • Benefits

    • Tailor make the account that works for you
    • Earn an additional 0.10% on top of your applicable interest rate when you don’t place notice for 30 days
    • No monthly fees are applicable on this product*
    • No transaction fees
    • Dedicated service
    • Free online banking

  • Minimum & maximum deposit

    • Save from R100,000 

See what your returns could be:

  • Future value calculator

    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.

Product downloads

More access with notice accounts

SmartRate Plus 15-day Notice Deposit
Private Select Fund
Top5 Optimiser
7-Day Notice account

SmartRate Plus 15-day Notice Deposit

SmartRate Plus 15-day Notice Deposit

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

Private Select Fund

Private Select Fund

The Private Select Fund is exclusively for those who have R1-million or more to save, and want to see maximum returns on their money.

Top5 Optimiser

Top5 Optimiser

This savings account does all the work for you. By tracking money market funds we ensure you earn the highest average daily interest rate.

7-Day Notice account

7 Day Notice account

  • For Investec Private Bank account holders only
  • Access your savings, 7 days after placing notice

Interest rates

Check what the latest interest rates are

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.


* Direct physical cash deposit made at an Absa branch will be charged a handling fee. Please refer to www.investec.co.za/ci-fees


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.