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Top5 Optimiser Notice Account

Access with notice

Image of a zebra
Image of a zebra

R100,000

Private Bank clients save from

R250,000

Savings clients save from

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
    • The aggregate balance of all your accounts which are linked to money market funds cannot exceed R500 million including balances in any other Money Fund linked products per client. All deposits in excess of this limit, excluding capitalisation of compound interest, are restricted

See what your returns could be:

  • Future value calculator

    Investment Amount *
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    Term *
    Interest Rate *
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    Future Value (Interest compounded)*

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    Interest Paid at Maturity*

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    Nominal Rate (NACM)

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    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.

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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Product downloads

Download Top5 Optimiser product rules

More access with notice accounts

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

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.

Learn more

SmartRate Plus 15-day Notice Deposit

SmartRate Plus 15-Day Notice Deposit

  • Access your savings, 15 days after placing notice
  • The smart money waits 15 days for better returns

7-Day Notice account

7 Day Notice account

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

Private Select Fund

Private Select Fund

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

Learn more

Interest rates

Check what the latest interest rates are

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 Top5 Optimiser 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.


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.