Investec Fixed Deposit Interest Rates

What are the Investec fixed deposit interest rates? It’s something that you will be wondering about if you plan to open a fixed deposit account with Investec. What we can say right at the top is that Investec offers some of the best interest rates on fixed deposits that you will be able to find anywhere in South Africa. A fixed deposit account offers the benefit of having higher interest rates that normal savings accounts. But how much can you earn from Investec?

Investec interest on fixed deposit accounts

The following are the Investec fixed deposit interest rates;

Fixed DepositsNominalPeriod Effective
Over R 1 000 000
12 Month9.31%9.72%
9 Month9.04%9.32%
6 Month8.71%8.87%
5 Month8.11%8.22%
4 Month8.07%8.15%
3 Month7.97%8.02%
2 Month7.87%7.90%
1 Month7.83%7.83%
R 250 000 – R 1 000 000
12 Month9.31%9.72%
9 Month8.79%9.05%
6 Month8.46%8.61%
5 Month7.86%7.96%
4 Month7.82%7.90%
3 Month7.72%7.77%
2 Month7.62%7.64%
1 Month7.58%7.58%
R 100 000 – R 250 000
12 Month9.23%9.63%
9 Month8.59%8.84%
6 Month8.26%8.40%
5 Month7.66%7.76%
4 Month7.62%7.69%
3 Month7.52%7.57%
2 Month7.42%7.44%
1 Month7.43%7.43%

How can I earn more?

Those are the latest fixed deposit interest rates from Investec. Note that the above is but a guideline. The rates that were given are subject to change at any moment without notice, so you will need to get in touch with Investec for the latest interest rates.

But how can you earn more on your investment? From the above, it can be seen that the more you invest, the higher your interest rate is going to be. Another factor affecting the amount of interest that is earned is the term to which the investment is scheduled to run.

If you invest for a month, you will earn at a lower interest rate than if you invest for 5 years. So, the longer the term, the more you will earn.

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Why invest in a fixed deposit account?

Now that you know the Investec fixed deposit interest rates, it’s time to take a look at why you will be looking to deposit your money into a fixed deposit account.

There are a number of reasons for doing this. Fixed deposit accounts earn way more than normal accounts. It’s the reason why so many people are opting to open them.

They are, therefore, a good way through which to save money towards a particular goal. If you have extra money that you are not using at the moment, it makes sense to invest it in a fixed deposit account.

That way, you will be able to earn some interest. That’s better than having the money lie around in a savings account where the interest rates will be rather low.


In this article, we gave you the Investec fixed deposit interest rates. The rates are fairly competitive, though you may find other financial institutions in the country offering better rates. Standard Bank, as an example, has interest rates that can run up to 13% per annum.

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