Top5 Optimiser Notice Account

Access with notice

Image of a zebra
Image of a zebra


Private Bank clients save from


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

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Apply for a savings account or contact your private banker

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