Investec vs Access Bank Plc

Interest rates compared

Last updated 1st March 2026 by Walter

Introduction

This fixed deposit comparison page compares Investec interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the Investec and Access Bank Plc websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 1st March 2026.

How do Investec fixed deposit interest rates compare to Access Bank Plc ?

You are more likely to find better interest rates at Access Bank Plc than Investec. Specifically, 50 out of 100 interest rates are better at Investec than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 50% 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
7.78%
best rate
Access Bank Plc
7.75%
best rate

The best interest rate you can get at Investec is 7.78% for the 12-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Access Bank Plc, the best interest rate you can get is 7.75% for the 60-month fixed deposit. You will need a minimum deposit of R25,000 .

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

1 month fixed deposit interest rates compared

Investec vs Access Bank Plc

This table shows Investec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 month fixed deposit.

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
6.40%
6.40%
-
0
R250,000 for 18+
6.40%
6.40%
-
0
R1,000,000 for 18+
6.40%
6.40%
-
0
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 6.4% interest rate at Investec for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 6.40%. Over 1 months you will earn R0 less in interest at Investec compared Access Bank Plc.

2 month fixed deposit interest rates compared

Investec vs Access Bank Plc

This table shows Investec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 month fixed deposit.

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
6.41%
6.45%
-
-7
R250,000 for 18+
6.41%
6.45%
-
-17
R1,000,000 for 18+
6.41%
6.45%
-
-67
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 6.41% interest rate at Investec for a R1,000,000 investment in a 2 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 6.45%. Over 2 months you will earn R67 less in interest at Investec compared Access Bank Plc.

3 month fixed deposit interest rates compared

Investec vs Access Bank Plc

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

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
7.00%
6.80%
+
51
R250,000 for 18+
7.00%
6.80%
+
126
R1,000,000 for 18+
7.00%
6.80%
+
506
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 7% interest rate at Investec for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 6.80%. Over 3 months you will earn R506 more in interest at Investec compared Access Bank Plc.

6 month fixed deposit interest rates compared

Investec vs Access Bank Plc

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

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
7.26%
7.00%
+
134
R250,000 for 18+
7.26%
7.00%
+
335
R1,000,000 for 18+
7.26%
7.00%
+
1,339
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 7.26% interest rate at Investec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.00%. Over 6 months you will earn R1,339 more in interest at Investec compared Access Bank Plc.

9 month fixed deposit interest rates compared

Investec vs Access Bank Plc

This table shows Investec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
7.52%
7.00%
+
409
R250,000 for 18+
7.52%
7.00%
+
1,023
R1,000,000 for 18+
7.52%
7.00%
+
4,093
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 7.52% interest rate at Investec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.00%. Over 9 months you will earn R4,093 more in interest at Investec compared Access Bank Plc.

1 year fixed deposit interest rates compared

Investec vs Access Bank Plc

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

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
7.78%
7.25%
+
568
R250,000 for 18+
7.78%
7.25%
+
1,419
R1,000,000 for 18+
7.78%
7.25%
+
5,677
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 7.78% interest rate at Investec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.25%. Over 12 months you will earn R5,677 more in interest at Investec compared Access Bank Plc.

2 year fixed deposit interest rates compared

Investec vs Access Bank Plc

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

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
6.72%
7.50%
-
-1,787
R250,000 for 18+
6.72%
7.50%
-
-4,468
R1,000,000 for 18+
6.72%
7.50%
-
-17,871
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 6.72% interest rate at Investec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.50%. Over 2 years you will earn R17,871 less in interest at Investec compared Access Bank Plc.

5 year fixed deposit interest rates compared

Investec vs Access Bank Plc

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

Investment amount Investec1Access Bank Plc1 Winner 2
R100,000 for 18+
7.12%
7.75%
-
-4,535
R250,000 for 18+
7.12%
7.75%
-
-11,338
R1,000,000 for 18+
7.12%
7.75%
-
-45,352
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Investec.
How to read this table?

You get a 7.12% interest rate at Investec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.75%. Over 5 years you will earn R45,352 less in interest at Investec compared Access Bank Plc.

How do Investec interest rates compare to other banks?