Money Market linked accounts

Bank guaranteed, capital secure solutions

Lady relaxing in her sun lounge overlooking the ocean

Get competitive returns while maintaining immediate access to your money in an Investec money market linked account.

Money market linked savings products

Private Select Fund

Save from R1 million

  • Daily rate approximates the average of the top 4 qualifying¹
    money market funds’ published rates. 
  • Notice period is 40 days.
  • Immediate access to 10% of your funds.
Money Fund Tracker

Save from R100,000* or from R250,000**

  • Daily interest rate that approximates the average of the top qualifying¹ money market funds’ published daily rates
  • Immediate access to your funds, in 24-48 hours 
Top5 Optimiser

Save from R100,000* or from R250,000**

  • Daily rate approximates the average of the top 5 qualifying¹ money market funds’ published daily rates.
  • Notice period is 45 or 90 days.
  • Immediate access to 10% of your funds.

See what your returns could be:

  • Future value calculator

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Why save cash in an Investec money market linked account?

Capital guaranteed

Save in an account with capital protection.

Interest rate calculated daily

Earn an interest rate that approximates the average of the top qualifying¹ money market funds’ published daily rates

No monthly fees

Keep your money market savings growing with no monthly bank charges.

Liquidity when you need it

Enjoy immediate access to a portion or all of your funds should you need it with a MoneyFund Tracker account or immediate access to 10% of your funds in a Private Select Fund or Top5 Optimiser.

Add funds as and when needed

Flexibly invest surplus cash savings in your money market savings account as it suits you.

Free online banking

Deposit, transfer and manage your funds without any online banking
charges.

Related topics

  • What are the advantages of a money market account?

    A money market account is a low-risk investment vehicle that can grow your short-term savings through competitive interest rate earnings, while still offering you flexible, easy access to your funds. It offers a combination of the higher interest rates of a deposit account with the liquidity and quick access of a checking account.  

  • How much money do you need in a money market account?

    Existing Investec Private Banking account holders can open a money market account with a minimum opening deposit of R100,000. Clients without an Investec Private Banking account can save from R250,000.

Not sure what's best for you? Talk to our savings experts.

View terms and conditions

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 MoneyFund Tracker pricing is derived from:

  • South African retail money market funds
  • A fund size of R2 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.

*Clients with an Investec Private Banking account save from R100,000 **Clients without an Investec Private Banking account Save from R250,000

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.