Top5 Optimiser Notice Account

Access with notice

 

R100 000

Private Bank clients save from

R250 000

Savings clients save from

R25 million

Maximum deposit

Stay on top of the market and secure competitive daily rates

The Top5 Optimiser does all the work for you as it tracks the qualifying¹ South African money market funds ensuring you always get a competitive market related rate, without incurring fees.

  

  • How the product works

    • You get a great money market related interest rate that approximates the average of the top 5 qualifying¹ money market funds’ published daily rates

  • Benefits

    • Choose from a 45 or 90 day notice term with 10% instant access to your funds
    • With Top5 Optimiser 90 day notice product you will enjoy an additional premium of 0.15% on the 45 day Optimiser rate
    • There are no monthly fees* to erode your capital

  • Minimum and maximum deposit

    • Clients who do not have an Investec Private Banking account will need a minimum opening deposit of R250 000 to invest in a Top5 Optimiser account
    • Clients who have an Investec Private Banking account will need a minimum opening deposit of R100 000 to invest in a Top5 Optimiser account
    • Maximum deposit of R25 million

See what your returns could be:

  • Future value calculator

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Apply for a savings account or contact your private banker

Product downloads

More access with notice accounts

  • SmartRate Plus account

    SmartRate Plus account

    Choose your notice period and access required, and earn a personalised interest rate. And if you do not place notice for 30 days, you will earn additional interest.

  • Private Select Fund

    Private Select Fund

    This exclusive savings solution offers you a market-leading interest rate on a minimum deposit of R1 million.

More access with notice accounts

SmartRate Plus account
Private Select Fund

SmartRate Plus account

Choose your notice period and access required, and earn a personalised interest rate. And if you do not place notice for 30 days, you will earn additional interest.

Private Select Fund

This exclusive savings solution offers you a market-leading interest rate on a minimum deposit of R1 million.

Interest rates

Check what the latest interest rates are

View rates

View terms and conditions

Disclaimer
Investec Specialist Bank, a division of Investec Bank Limited registration number 1969/004763/06. Investec Specialist Bank 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. A registered credit provider registration number NCRCP9.

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.

*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.