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 savings 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.
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Fixed Deposit Specials for Individuals
Product Specials
Fixed Term Deposits - protect your returns
60 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.89% 11.14% Individuals under 55 years of age 8.74% 10.91% 60 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.89% 11.14% Individuals under 55 years of age 8.74% 10.91% 24 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.22% 8.90% Individuals under 55 years of age 8.07% 8.73% 24 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.22% 8.90% Individuals under 55 years of age 8.07% 8.73% 12 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.75% 9.11% Individuals under 55 years of age 8.65% 9.00% 12 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.75% 9.11% Individuals under 55 years of age 8.65% 9.00% 6 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.09% 8.23% Individuals under 55 years of age 7.94% 8.07% 6 month Fixed Deposits Nominal* Period Effective Individuals over 55 years of age 8.09% 8.23% Individuals under 55 years of age 7.94% 8.07% *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: 04 November 2024
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Fixed Term Deposits
Fixed Deposits Nominal* Period Effective Over R 1 000 000 12 Month 7.97% 8.27% 9 Month 7.86% 8.07% 6 Month 7.84% 7.97% 5 Month 7.84% 7.94% 4 Month 7.82% 7.90% 3 Month 7.82% 7.87% 2 Month 7.77% 7.80% 1 Month 7.75% 7.75% R 250 000 - R 1 000 000 12 Month 7.97% 8.27% 9 Month 7.61% 7.81% 6 Month 7.59% 7.71% 5 Month 7.59% 7.69% 4 Month 7.57% 7.64% 3 Month 7.57% 7.62% 2 Month 7.52% 7.54% 1 Month 7.50% 7.50% R 100 000 - R 250 000 12 Month 7.89% 8.18% 9 Month 7.41% 7.60% 6 Month 7.39% 7.50% 5 Month 7.39% 7.48% 4 Month 7.37% 7.44% 3 Month 7.37% 7.42% 2 Month 7.32% 7.34% 1 Month 7.35% 7.35% Fixed Deposits Nominal* Period Effective Over R 1 000 000 12 Month 7.97% 8.27% 9 Month 7.86% 8.07% 6 Month 7.84% 7.97% 5 Month 7.84% 7.94% 4 Month 7.82% 7.90% 3 Month 7.82% 7.87% 2 Month 7.77% 7.80% 1 Month 7.75% 7.75% R 250 000 - R 1 000 000 12 Month 7.97% 8.27% 9 Month 7.61% 7.81% 6 Month 7.59% 7.71% 5 Month 7.59% 7.69% 4 Month 7.57% 7.64% 3 Month 7.57% 7.62% 2 Month 7.52% 7.54% 1 Month 7.50% 7.50% R 100 000 - R 250 000 12 Month 7.89% 8.18% 9 Month 7.41% 7.60% 6 Month 7.39% 7.50% 5 Month 7.39% 7.48% 4 Month 7.37% 7.44% 3 Month 7.37% 7.42% 2 Month 7.32% 7.34% 1 Month 7.35% 7.35% Last Updated: 04 November 2024
Primelinked fixed Deposits Nominal* Period Effective Over R 1 000 000 12 Month 9.03% 9.41% 9 Month 8.62% 8.87% 6 Month 8.36% 8.51% 3 Month 8.10% 8.15% R 500 000 - R 1 000 000 12 Month 9.03% 9.41% 9 Month 8.57% 8.82% 6 Month 8.31% 8.46% 3 Month 8.05% 8.10% R 100 000 - R 500 000 12 Month 9.03% 9.41% 9 Month 8.52% 8.77% 6 Month 8.26% 8.40% 3 Month 8.00% 8.05% Primelinked fixed Deposits Nominal* Period Effective Over R 1 000 000 12 Month 9.03% 9.41% 9 Month 8.62% 8.87% 6 Month 8.36% 8.51% 3 Month 8.10% 8.15% R 500 000 - R 1 000 000 12 Month 9.03% 9.41% 9 Month 8.57% 8.82% 6 Month 8.31% 8.46% 3 Month 8.05% 8.10% R 100 000 - R 500 000 12 Month 9.03% 9.41% 9 Month 8.52% 8.77% 6 Month 8.26% 8.40% 3 Month 8.00% 8.05% Last Updated: 04 November 2024
Tax Free NACM Effective 12 months 8.17% 8.48% Tax Free NACM Effective 12 months 8.17% 8.48% Last Updated: 04 November 2024
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Notice Deposits
Flexible Notice Deposits - keep your money liquid while enjoying higher interest rates
Investec 7-Day Notice Deposit Nominal Annual Effective R1 000 and above 8.15% 8.46% Investec 7-Day Notice Deposit Nominal Annual Effective R1 000 and above 8.15% 8.46% Clients who have an Investec Private Bank account* will need a minimum deposit of R1 000. An Investec Private Bank account includes an: Investec Private Bank Account; Investec Private Business Account; and an Investec Youth Account.
Top5 Optimiser Nominal (nacm) Annual Effective 90-day notice 8.47% 8.81% 45-day notice 8.32% 8.64% Top5 Optimiser Nominal (nacm) Annual Effective 90-day notice 8.47% 8.81% 45-day notice 8.32% 8.64% 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 account holders and R250 000 for non Private Banking clients. Savings account 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 8.38% 8.71% Private Select Fund* Nominal Annual Effective 40-day notice 8.38% 8.71% 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%.
SmartRate Plus Notice Deposit
Personalise your notice account to meet your savings goals
Minimum Opening Deposit: R100 000
Available on demand (%) 15 32 45 60 90 120 0 8.45% 8.50% 8.53% 8.55% 8.65% 8.70% 10 8.07% 8.45% 8.48% 8.50% 8.59% 8.63% 20 8.04% 8.40% 8.42% 8.44% 8.52% 8.57% 30 8.01% 8.35% 8.37% 8.39% 8.46% 8.49% 40 7.99% 8.30% 8.32% 8.33% 8.40% 8.42% 50 7.96% 8.25% 8.27% 8.28% 8.33% 8.35% Available on demand (%) 15 32 45 60 90 120 0 8.45% 8.50% 8.53% 8.55% 8.65% 8.70% 10 8.07% 8.45% 8.48% 8.50% 8.59% 8.63% 20 8.04% 8.40% 8.42% 8.44% 8.52% 8.57% 30 8.01% 8.35% 8.37% 8.39% 8.46% 8.49% 40 7.99% 8.30% 8.32% 8.33% 8.40% 8.42% 50 7.96% 8.25% 8.27% 8.28% 8.33% 8.35% Last Updated: 04 November 2024
*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.
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SmartRate Plus Notice Deposits
Personalise your notice account to meet your savings goals
Minimum Opening Deposit: R100 000
Notice Days
Available on demand (%) 15 32 45 60 90 120 0 8.45% 8.50% 8.53% 8.55% 8.65% 8.70% 10 8.07% 8.45% 8.48% 8.50% 8.59% 8.63% 20 8.04% 8.40% 8.42% 8.44% 8.52% 8.57% 30 8.01% 8.35% 8.37% 8.39% 8.46% 8.49% 40 7.99% 8.30% 8.32% 8.33% 8.40% 8.42% 50 7.96% 8.25% 8.27% 8.28% 8.33% 8.35% Available on demand (%) 15 32 45 60 90 120 0 8.45% 8.50% 8.53% 8.55% 8.65% 8.70% 10 8.07% 8.45% 8.48% 8.50% 8.59% 8.63% 20 8.04% 8.40% 8.42% 8.44% 8.52% 8.57% 30 8.01% 8.35% 8.37% 8.39% 8.46% 8.49% 40 7.99% 8.30% 8.32% 8.33% 8.40% 8.42% 50 7.96% 8.25% 8.27% 8.28% 8.33% 8.35% Last Updated: 04 November 2024
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Instant Access Deposits
Immediate access to your cash
PrimeSaver Nominal Annual Effective Up to R 25 000 000 7.80% 8.08% R 25 000 000 and above 7.70% 7.98% PrimeSaver Nominal Annual Effective Up to R 25 000 000 7.80% 8.08% R 25 000 000 and above 7.70% 7.98% * 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 7.74% 8.02% *MoneyFund Tracker Nominal Annual Effective >R100 000 7.74% 8.02% *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: 04 November 2024
Call Deposits Nominal Annual Effective R 10 000 000 and above 7.40% 7.66% R 5 000 000 - R 10 000 000 7.15% 7.39% R 1 000 000 - R 5 000 000 6.40% 6.59% R 500 000 - R 1 000 000 5.65% 5.80% R 250 000 - R 500 000 5.15% 5.27% R 100 000 - R 250 000 4.90% 5.01% Call Deposits Nominal Annual Effective R 10 000 000 and above 7.40% 7.66% R 5 000 000 - R 10 000 000 7.15% 7.39% R 1 000 000 - R 5 000 000 6.40% 6.59% R 500 000 - R 1 000 000 5.65% 5.80% R 250 000 - R 500 000 5.15% 5.27% R 100 000 - R 250 000 4.90% 5.01% Foreign Currency Call Account UK Pounds Nominal Rate US Dollars Nominal Rate EUR Nominal Rate Minimum 1 000 Base Currency 4.60% 3.05% 3.40% Foreign Currency Call Account UK Pounds Nominal Rate US Dollars Nominal Rate EUR Nominal Rate Minimum 1 000 Base Currency 4.60% 3.05% 3.40% 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: 04 November 2024
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.
Apply for a savings account or contact your private banker. Minimum deposits from R100,000 required to open an Investec savings account
Find out more about our savings accounts
Choose a savings solution with the best interest rates for your needs.
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.