Investec interest rates

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 DepositsNominal*Period Effective
Individuals over 55 years of age6.99%7.22%
Individuals under 55 years of age6.84%7.06%
24 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age5.17%5.29%
Individuals under 55 years of age5.02%5.14%
12 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age4.90%5.01%
Individuals under 55 years of age4.76%4.87%
6 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age4.19%4.23%
Individuals under 55 years of age4.04%4.07%

*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.

Fixed Term Deposits

Fixed Deposits – Fixed Rate Plus:
Fixed DepositsNominal*Period Effective
Over R 1 000 000
12 Month4.38%4.47%
9 Month4.04%4.09%
6 Month3.94%3.97%
5 Month3.85%3.87%
4 Month3.71%3.73%
3 Month3.56%3.57%
2 Month3.49%3.50%
1 Month3.45%3.45%
R 250 000 – R 1 000 000
12 Month4.38%4.47%
9 Month3.79%3.84%
6 Month3.69%3.72%
5 Month3.60%3.62%
4 Month3.46%3.47%
3 Month3.31%3.32%
2 Month3.24%3.24%
1 Month3.20%3.20%
R 100 000 – R 250 000
12 Month4.30%4.39%
9 Month3.59%3.63%
6 Month3.49%3.52%
5 Month3.40%3.42%
4 Month3.26%3.27%
3 Month3.11%3.12%
2 Month3.04%3.04%
1 Month3.05%3.05%
Fixed Deposits – Prime Linked Rate:
Primelinked fixed DepositsNominal*Period Effective
Over R 1 000 000
12 Month4.53%4.63%
9 Month4.12%4.18%
6 Month3.86%3.89%
3 Month3.60%3.61%
R 500 000 – R 1 000 000
12 Month4.53%4.63%
9 Month4.07%4.13%
6 Month3.81%3.84%
3 Month3.55%3.56%
R 100 000 – R 500 000
12 Month4.53%4.63%
9 Month4.02%4.07%
6 Month3.76%3.79%
3 Month3.50%3.51%
Fixed Deposits – Tax Free Fixed Rate:
Tax FreeNACMEffective
12 months4.58%4.68%

Instant Access Deposits

PrimeSaverNominalAnnual Effective
Up to R 25 000 0003.50%3.56%
R 25 000 000 and above3.30%3.35%

* 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 TrackerNominalAnnual Effective
>R100 0003.75%3.82%

*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: 05 March 2021
Call DepositsNominalAnnual Effective
R 10 000 000 and above3.00%3.04%
R 5 000 000 – R 10 000 0002.75%2.78%
R 1 000 000 – R 5 000 0002.00%2.02%
R 500 000 – R 1 000 0001.25%1.26%
R 250 000 – R 500 0000.75%0.75%
R 100 000 – R 250 0000.50%0.50%
Foreign Currency Call AccountUK Pounds Nominal RateUS Dollars Nominal RateEUR Nominal Rate
Minimum 1 000 Base Currency0.00%0.00%0.00%