Daily Interest Rates on all
our savings accounts

 

When it comes to saving, everyone has different needs. Our savings products offer competitive interest rates and flexibility. No monthly fees are charged on savings accounts which allows you to enjoy interest on your deposit without eroding your capital.

View the latest daily interest rates of all cash investment accounts, including fixed term deposits, notice deposits and instant access deposit accounts so that you can make an informed decision on where to deposit your hard earned cash and save for what matters most. 

  • Product Specials

    Fixed Term Deposits - protect your returns
     
    60 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 8.03% 8.33%
    Individuals under 55 years of age 7.88% 8.17%
    60 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 8.03% 8.33%
    Individuals under 55 years of age 7.88% 8.17%
    24 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.45% 7.71%
    Individuals under 55 years of age 7.30% 7.55%
    24 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.45% 7.71%
    Individuals under 55 years of age 7.30% 7.55%
    12 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.45% 7.71%
    Individuals under 55 years of age 7.30% 7.55%
    12 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.45% 7.71%
    Individuals under 55 years of age 7.30% 7.55%
    6 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.24% 7.35%
    Individuals under 55 years of age 7.09% 7.20%
    6 month Fixed Deposits Nominal* Period Effective
    Individuals over 55 years of age 7.24% 7.35%
    Individuals under 55 years of age 7.09% 7.20%
     
    *The rates are indicative rates only and will be confirmed at the time of dealing and are subject to change. The nominal rate is the interest rate on deposits which is unadjusted for compounding interest. The effective rate is the interest rate earned on a deposit account, taking into account the effect of compounding interest.
     
    Last Updated: 16 September 2019
     
  • Fixed Term Deposits

     
    Fixed Deposits - Fixed Rate Plus:
     
    Fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 7.25% 7.50%
    9 Month 7.10% 7.27%
    6 Month 6.99% 7.09%
    5 Month 6.94% 7.02%
    4 Month 6.86% 6.92%
    3 Month 6.61% 6.65%
    2 Month 6.56% 6.58%
    1 Month 6.50% 6.50%
    R 250 000 - R 1 000 000
    12 Month 7.25% 7.50%
    9 Month 6.85% 7.01%
    6 Month 6.74% 6.84%
    5 Month 6.69% 6.77%
    4 Month 6.61% 6.66%
    3 Month 6.36% 6.39%
    2 Month 6.31% 6.33%
    1 Month 6.25% 6.25%
    R 100 000 - R 250 000
    12 Month 7.17% 7.41%
    9 Month 6.65% 6.80%
    6 Month 6.54% 6.63%
    5 Month 6.49% 6.56%
    4 Month 6.41% 6.46%
    3 Month 6.16% 6.19%
    2 Month 6.11% 6.13%
    1 Month 6.10% 6.10%
    Fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 7.25% 7.50%
    9 Month 7.10% 7.27%
    6 Month 6.99% 7.09%
    5 Month 6.94% 7.02%
    4 Month 6.86% 6.92%
    3 Month 6.61% 6.65%
    2 Month 6.56% 6.58%
    1 Month 6.50% 6.50%
    R 250 000 - R 1 000 000
    12 Month 7.25% 7.50%
    9 Month 6.85% 7.01%
    6 Month 6.74% 6.84%
    5 Month 6.69% 6.77%
    4 Month 6.61% 6.66%
    3 Month 6.36% 6.39%
    2 Month 6.31% 6.33%
    1 Month 6.25% 6.25%
    R 100 000 - R 250 000
    12 Month 7.17% 7.41%
    9 Month 6.65% 6.80%
    6 Month 6.54% 6.63%
    5 Month 6.49% 6.56%
    4 Month 6.41% 6.46%
    3 Month 6.16% 6.19%
    2 Month 6.11% 6.13%
    1 Month 6.10% 6.10%
    Last Updated: 16 September 2019
     
     
    Fixed Deposits - Prime Linked Rate:
     
    Primelinked fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 7.53% 7.80%
    9 Month 7.12% 7.29%
    6 Month 6.86% 6.96%
    3 Month 6.60% 6.64%
    R 500 000 - R 1 000 000
    12 Month 7.53% 7.80%
    9 Month 7.07% 7.24%
    6 Month 6.81% 6.91%
    3 Month 6.55% 6.59%
    R 100 000 - R 500 000
    12 Month 7.53% 7.80%
    9 Month 7.02% 7.19%
    6 Month 6.76% 6.86%
    3 Month 6.50% 6.54%
    Primelinked fixed Deposits Nominal* Period Effective
    Over R 1 000 000
    12 Month 7.53% 7.80%
    9 Month 7.12% 7.29%
    6 Month 6.86% 6.96%
    3 Month 6.60% 6.64%
    R 500 000 - R 1 000 000
    12 Month 7.53% 7.80%
    9 Month 7.07% 7.24%
    6 Month 6.81% 6.91%
    3 Month 6.55% 6.59%
    R 100 000 - R 500 000
    12 Month 7.53% 7.80%
    9 Month 7.02% 7.19%
    6 Month 6.76% 6.86%
    3 Month 6.50% 6.54%
    Last Updated: 16 September 2019
     
     
    Fixed Deposits - Tax Free Fixed Rate:
     
    Tax Free NACM Effective
    12 months 7.45% 7.71%
    Tax Free NACM Effective
    12 months 7.45% 7.71%
     
    Fixed Deposits - LiquidFixed:
     
    Last Updated: 16 September 2019
     
  • Notice Deposits

    Flexible Notice Deposits - protect your returns

    Top5 Optimiser Nominal (nacm) Annual Effective
    90-day notice 7.39% 7.65%
    45-day notice 7.24% 7.49%
    Top5 Optimiser Nominal (nacm) Annual Effective
    90-day notice 7.39% 7.65%
    45-day notice 7.24% 7.49%
    Variable rate linked to the average of the top five qualifying Money Market Funds. The minimum balance requirement for the Investec Top5 Optimiser is R100 000 for Private Banking clients and R250 000 for non Private Banking clients. Balances above R250 000 will earn the rate above. Balances below R250 000 will earn a tiered interest rate.
     
    Private Select Fund* Nominal Annual Effective
    40-day notice 7.27% 7.52%
    Private Select Fund* Nominal Annual Effective
    40-day notice 7.27% 7.52%
    40-day notice variable rate. The minimum balance requirement for the Private Select Fund is R1 000 000. Balances below R1 000 000 will earn the above rate less 1.25%.
    Last Updated: 16 September 2019
     
    *Rates applicable to accounts opened from 30 September 2009. Rates for Private Money Fund, Private Select Fund and Investec Top5 accounts opened prior to 21 September 2009 are available upon request.
     
    The rates are indicative rates only and will be confirmed at the time of dealing and are subject to change. The nominal rate is the interest rate on deposits which is unadjusted for compounding interest. The effective rate is the interest rate earned on a deposit account, taking into account the effect of compounding interest.Terms and conditions apply
    Disclaimer
    All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in this document is subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec does not provide investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in appropriate documentation, signed by Investec. This information is to be used at your own risk, and Investec makes no representation with regards to the correctness of the information contained herein.
    Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investecprivatebank.co.za. An authorised financial services provider. Registered credit provider NCRCP9.

  • SmartRate Plus Notice Deposits

  • Instant Access Deposits

    PrimeSaver Nominal Annual Effective
    Up to R 25 000 000 6.50% 6.70%
    R 25 000 000 and above 6.30% 6.49%
    PrimeSaver Nominal Annual Effective
    Up to R 25 000 000 6.50% 6.70%
    R 25 000 000 and above 6.30% 6.49%
    * The premium rate applies to balances up to R25 million. Any funds in excess of R25 million will earn the next tiered rate deriving a blended rate for the overall balance deposited.

     
    *MoneyFund Tracker Nominal Annual Effective
    >R100 000 7.11% 7.35%
    *MoneyFund Tracker Nominal Annual Effective
    >R100 000 7.11% 7.35%
    *Variable rate approximates the average of the top qualifying¹ money market funds’ published daily rates. The minimum balance requirement for the MoneyFund Tracker is R100 000 for Private Bank clients and R250 000 for non Private Bank clients. Balances above R250 000 will earn the rate above. Balances below R250 000 will earn a tiered interest rate.
    Last Updated: 16 September 2019
     
    Call Deposits Nominal Annual Effective
    R 10 000 000 and above 6.00% 6.17%
    R 5 000 000 - R 10 000 000 5.75% 5.90%
    R 1 000 000 - R 5 000 000 5.00% 5.12%
    R 500 000 - R 1 000 000 4.25% 4.33%
    R 250 000 - R 500 000 3.50% 3.56%
    R 100 000 - R 250 000 3.00% 3.04%
    Call Deposits Nominal Annual Effective
    R 10 000 000 and above 6.00% 6.17%
    R 5 000 000 - R 10 000 000 5.75% 5.90%
    R 1 000 000 - R 5 000 000 5.00% 5.12%
    R 500 000 - R 1 000 000 4.25% 4.33%
    R 250 000 - R 500 000 3.50% 3.56%
    R 100 000 - R 250 000 3.00% 3.04%
    Foreign Currency Call Account UK Pounds Nominal Rate US Dollars Nominal Rate EUR Nominal Rate
    Minimum 1 000 Base Currency 0.60% 1.35% 0.00%
    Foreign Currency Call Account UK Pounds Nominal Rate US Dollars Nominal Rate EUR Nominal Rate
    Minimum 1 000 Base Currency 0.60% 1.35% 0.00%
    FCA accounts are limited to individuals who hold an Investec Private Bank Account only
    Rates applicable for FCA accounts opened from 01 September 2017
    Last Updated: 16 September 2019
     
    Rates are subject to change based on daily market fluctuations. Terms and conditions apply
    Disclaimer
    All rates are quoted on a nominal annual compounded monthly basis for the relevant period. The rates can only be confirmed at the time of dealing. No representation or warranty is made that any return indicated will be achieved in the future. This document is not an official confirmation of terms, and any transaction that may be concluded pursuant to this document shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties. The information in this document is subject to change without notice. Prospective investors should obtain independent advice in respect of any product detailed in this document, as Investec does not provide investment, tax or legal advice and makes no representation or warranty about the suitability of a product for a particular client or circumstance. Investec will only provide investment advice if specifically agreed to by Investec in appropriate documentation, signed by Investec. This information is to be used at your own risk, and Investec makes no representation with regards to the correctness of the information contained herein.
    Investec Private Bank. A division of Investec Bank Limited registration number 1969/004763/06. Investec Private Bank is committed to the Code of Banking Practice as regulated by the Ombudsman for Banking Services. Copies of the Code and Ombudsman’s details are available on request or visit www.investecprivatebank.co.za. An authorised financial services provider. Registered credit provider NCRCP9.

Apply for a savings account or contact your private banker