Investec vs Absa

Interest rates compared

Last updated 2nd March 2025 by Walter

Introduction

This fixed deposit comparison page compares Investec interest rates to Absa interest rates. All the interest rates shown are sourced from the Investec and Absa websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd March 2025.

How do Investec fixed deposit interest rates compare to Absa ?

You are more likely to find better interest rates at Investec than Absa. Specifically, 68 out of 100 interest rates are better at Investec than Absa. This means you are more likely to find a better interest rate at Absa 32% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)

Investec
8.75%
best rate
Absa
8.50%
best rate

The best interest rate you can get at Investec is 8.75% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55. Whilst at Absa, the best interest rate you can get is 8.5% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 and be over the age of 55.

But how do interest rates at Investec compare to Absa across different terms and investment amounts?

3 month fixed deposit interest rates compared

Investec vs Absa

This table shows Investec's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount Investec1Absa1 Winner 2
R100,000 for 18+
6.93%
7.30%
-
-95
R250,000 for 18+
7.13%
7.30%
-
-107
R250,000 for 18+
6.93%
7.30%
-
-237
R1,000,000 for 18+
7.38%
7.30%
+
189
R1,000,000 for 18+
7.13%
7.30%
-
-426
R5,000,000 for 18+
7.38%
7.30%
+
947
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Absa.
    A negative amount means that Absa offers more than Investec.
How to read this table?

You get a 7.38% interest rate at Investec for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 18). Absa's interest rate for the same terms is 7.30%. Over 3 months you will earn R947 more in interest at Investec compared Absa.

6 month fixed deposit interest rates compared

Investec vs Absa

This table shows Investec's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Investec1Absa1 Winner 2
R100,000 for 18+
7.58%
7.85%
-
-140
R100,000 for 55+
7.73%
7.90%
-
-87
R250,000 for 18+
7.58%
7.85%
-
-349
R250,000 for 55+
7.73%
7.90%
-
-216
R1,000,000 for 18+
7.58%
7.85%
-
-1,395
R1,000,000 for 55+
7.73%
7.90%
-
-866
R5,000,000 for 18+
7.58%
7.85%
-
-6,976
R5,000,000 for 55+
7.73%
7.90%
-
-4,328
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Absa.
    A negative amount means that Absa offers more than Investec.
How to read this table?

You get a 7.73% interest rate at Investec for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Absa's interest rate for the same terms is 7.90%. Over 6 months you will earn R4,328 less in interest at Investec compared Absa.

1 year fixed deposit interest rates compared

Investec vs Absa

This table shows Investec's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Investec1Absa1 Winner 2
R100,000 for 18+
8.05%
7.90%
+
160
R100,000 for 55+
8.25%
7.95%
+
320
R250,000 for 18+
8.05%
7.90%
+
400
R250,000 for 55+
8.25%
7.95%
+
800
R1,000,000 for 18+
8.05%
7.90%
+
1,600
R1,000,000 for 55+
8.25%
7.95%
+
3,200
R5,000,000 for 18+
8.05%
7.90%
+
8,000
R5,000,000 for 55+
8.25%
7.95%
+
16,000
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Absa.
    A negative amount means that Absa offers more than Investec.
How to read this table?

You get a 8.25% interest rate at Investec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Absa's interest rate for the same terms is 7.95%. Over 12 months you will earn R16,000 more in interest at Investec compared Absa.

2 year fixed deposit interest rates compared

Investec vs Absa

This table shows Investec's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Investec1Absa1 Winner 2
R100,000 for 18+
7.97%
7.85%
+
281
R100,000 for 55+
8.12%
7.90%
+
520
R250,000 for 18+
7.97%
7.85%
+
703
R250,000 for 55+
8.12%
7.90%
+
1,300
R1,000,000 for 18+
7.97%
7.85%
+
2,813
R1,000,000 for 55+
8.12%
7.90%
+
5,199
R5,000,000 for 18+
7.97%
7.85%
+
14,067
R5,000,000 for 55+
8.12%
7.90%
+
25,994
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Absa.
    A negative amount means that Absa offers more than Investec.
How to read this table?

You get a 8.12% interest rate at Investec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Absa's interest rate for the same terms is 7.90%. Over 2 years you will earn R25,994 more in interest at Investec compared Absa.

5 year fixed deposit interest rates compared

Investec vs Absa

This table shows Investec's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Investec1Absa1 Winner 2
R100,000 for 18+
8.60%
8.45%
+
1,124
R100,000 for 55+
8.75%
8.50%
+
1,904
R250,000 for 18+
8.60%
8.45%
+
2,810
R250,000 for 55+
8.75%
8.50%
+
4,760
R1,000,000 for 18+
8.60%
8.45%
+
11,239
R1,000,000 for 55+
8.75%
8.50%
+
19,039
R5,000,000 for 18+
8.60%
8.45%
+
56,194
R5,000,000 for 55+
8.75%
8.50%
+
95,195
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Absa.
    A negative amount means that Absa offers more than Investec.
How to read this table?

You get a 8.75% interest rate at Investec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Absa's interest rate for the same terms is 8.50%. Over 5 years you will earn R95,195 more in interest at Investec compared Absa.

How do Investec interest rates compare to other banks?