Investec vs Access Bank Plc

Interest rates compared

Last updated 1st September 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 September 2026.

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

You are more likely to find better interest rates at Investec than Access Bank Plc. Specifically, 92 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 8% 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
8.10%
best rate
Access Bank Plc
7.75%
best rate

The best interest rate you can get at Investec is 8.1% for the 60-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+
6.30%
6.40%
-
-8
R250,000 for 18+
6.45%
6.40%
+
10
R1,000,000 for 18+
6.70%
6.40%
+
250
  • 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 6.7% 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 R250 more 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+
6.28%
6.45%
-
-28
R250,000 for 18+
6.48%
6.45%
+
13
R1,000,000 for 18+
6.73%
6.45%
+
469
  • 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 6.73% 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 R469 more 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+
7.05%
6.80%
+
63
R250,000 for 18+
7.05%
6.80%
+
158
R1,000,000 for 18+
7.10%
6.80%
+
759
  • 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 7.1% 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 R759 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+
7.31%
7.00%
+
160
R250,000 for 18+
7.31%
7.00%
+
399
R1,000,000 for 18+
7.36%
7.00%
+
1,854
  • 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 7.36% 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 R1,854 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+
7.57%
7.00%
+
449
R250,000 for 18+
7.57%
7.00%
+
1,122
R1,000,000 for 18+
7.62%
7.00%
+
4,882
  • 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 7.62% 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 R4,882 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+
8.03%
7.25%
+
836
R250,000 for 18+
8.03%
7.25%
+
2,091
R1,000,000 for 18+
8.03%
7.25%
+
8,364
  • 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 8.03% 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 R8,364 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+
7.67%
7.50%
+
393
R250,000 for 18+
7.67%
7.50%
+
983
R1,000,000 for 18+
7.67%
7.50%
+
3,930
  • 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 7.67% 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 R3,930 more 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+
8.10%
7.75%
+
2,581
R250,000 for 18+
8.10%
7.75%
+
6,451
R1,000,000 for 18+
8.10%
7.75%
+
25,805
  • 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 8.1% 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 R25,805 more in interest at Investec compared Access Bank Plc.

How do Investec interest rates compare to other banks?