Investec Bank Interest Rates

Investec Bank FD Interest Rates

Investec Bank offers attractive interest rates on fixed deposits for tenures that range from 1 month to 5 years with many attractive features and benefits. The Investec interest rates for the general public range from 7.72% p.a. to 11.69% p.a. Read our previously published article on how to open an Investec Bank Account online.

Investec Fixed Deposit Revised Interest Rates 2024

60-month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age9.24%11.69%
Individuals under 55 years of age9.09%11.45%
24 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age8.70%9.47%
Individuals under 55 years of age8.55%9.29%
12 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age9.05%9.43%
Individuals under 55 years of age9.00%9.38%
6 month Fixed DepositsNominal*Period Effective
Individuals over 55 years of age8.62%8.78%
Individuals under 55 years of age8.47%8.62%

Fixed Term Deposits

Fixed DepositsNominal*Period Effective
Over R 1 000 000
12 Month8.64%8.99%
9 Month8.50%8.74%
6 Month8.37%8.52%
5 Month8.31%8.43%
4 Month8.26%8.35%
3 Month8.17%8.23%
2 Month8.15%8.18%
1 Month8.12%8.12%
R 250 000 – R 1 000 000
12 Month8.64%8.99%
9 Month8.25%8.48%
6 Month8.12%8.26%
5 Month8.06%8.17%
4 Month8.01%8.09%
3 Month7.92%7.97%
2 Month7.90%7.93%
1 Month7.87%7.87%
R 100 000 – R 250 000
12 Month8.56%8.90%
9 Month8.05%8.27%
6 Month7.92%8.05%
5 Month7.86%7.96%
4 Month7.81%7.89%
3 Month7.72%7.77%
2 Month7.70%7.72%
1 Month7.72%7.72%

Tax Free Fixed Interest Rate

Tax FreeNACMEffective
12 months8.84%9.21%

Deposits between R100 000 and R1 000 000

Investment term in months0%10%20%30%40%50%
68.56%8.51%8.47%8.42%8.38%8.33%
78.65%8.59%8.54%8.48%8.43%8.37%
88.73%8.67%8.61%8.54%8.48%8.42%
98.82%8.75%8.68%8.60%8.53%8.46%
108.91%8.83%8.75%8.66%8.58%8.50%
118.99%8.90%8.81%8.73%8.64%8.55%
129.28%9.16%9.04%8.93%8.81%8.69%
189.32%9.20%9.08%8.95%8.83%8.71%
249.40%9.27%9.14%9.01%8.88%8.75%
309.51%9.36%9.22%9.08%8.94%8.80%
369.61%9.46%9.31%9.16%9.01%8.86%
489.75%9.59%9.42%9.26%9.09%8.93%
609.85%9.68%9.50%9.33%9.15%8.98%

Deposits between R1 000 000 and R10 000 000

Investment term in months0%10%20%30%40%50%
68.61%8.56%8.51%8.46%8.41%8.36%
78.70%8.64%8.58%8.52%8.46%8.40%
88.78%8.72%8.65%8.58%8.51%8.44%
98.87%8.79%8.72%8.64%8.56%8.49%
108.96%8.87%8.79%8.70%8.61%8.53%
119.04%8.95%8.85%8.76%8.67%8.57%
129.28%9.16%9.04%8.93%8.81%8.69%
189.32%9.20%9.08%8.95%8.83%8.71%
249.40%9.27%9.14%9.01%8.88%8.75%
309.51%9.36%9.22%9.08%8.94%8.80%
369.61%9.46%9.31%9.16%9.01%8.86%
489.75%9.59%9.42%9.26%9.09%8.93%
609.85%9.68%9.50%9.33%9.15%8.98%

Deposits between R10 000 000 and R25 000 000

Investment term in months0.00%10.00%20.00%30.00%40.00%50.00%
68.66%8.60%8.55%8.49%8.44%8.38%
78.75%8.68%8.62%8.55%8.49%8.42%
88.83%8.76%8.69%8.61%8.54%8.47%
98.92%8.84%8.76%8.67%8.59%8.51%
109.01%8.92%8.83%8.73%8.64%8.55%
119.09%8.99%8.89%8.80%8.70%8.60%
129.28%9.16%9.04%8.93%8.81%8.69%
189.32%9.20%9.08%8.95%8.83%8.71%
249.40%9.27%9.14%9.01%8.88%8.75%
309.51%9.36%9.22%9.08%8.94%8.80%
369.61%9.46%9.31%9.16%9.01%8.86%
489.75%9.59%9.42%9.26%9.09%8.93%
609.85%9.68%9.50%9.33%9.15%8.98%

Deposits > R25 000 000

Investment term in months0.00%10.00%20.00%30.00%40.00%50.00%
68.76%8.69%8.63%8.56%8.50%8.43%
78.85%8.77%8.70%8.62%8.55%8.47%
88.93%8.85%8.77%8.68%8.60%8.52%
99.02%8.93%8.84%8.74%8.65%8.56%
109.11%9.01%8.91%8.80%8.70%8.60%
119.19%9.08%8.97%8.87%8.76%8.65%
129.28%9.16%9.04%8.93%8.81%8.69%
189.32%9.20%9.08%8.95%8.83%8.71%
249.40%9.27%9.14%9.01%8.88%8.75%
309.51%9.36%9.22%9.08%8.94%8.80%
369.61%9.46%9.31%9.16%9.01%8.86%
489.75%9.59%9.42%9.26%9.09%8.93%
609.85%9.68%9.50%9.33%9.15%8.98%

How to invest in Investec Bank FD?

You can now invest in Investec FD through both online methods such as internet banking and mobile apps and offline routes as well. Let’s first check how to open an FD in Investec Bank online:

An Investec Bank FD account can be easily opened with internet banking by following these steps:

1. If you are an Investec Bank customer, just log in to your Online Banking account
2. Click on the ‘Term Deposits’ option which is under the ‘Deposit Scheme’ tab, 
3. Select the type of FD and click on the ‘Proceed’ button to continue
4. Provide all the necessary details of the deposit such as nominee information and instructions for maturity.
5. Read the ‘Terms and Conditions’ and accept them
6. Finally, you can click on the ‘Submit’ option to complete the Investec fixed deposit opening process

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