Investec vs FNB

Interest rates compared

Last updated 2nd October 2026 by Walter

Introduction

This fixed deposit comparison page compares Investec interest rates to FNB interest rates. All the interest rates shown are sourced from the Investec and FNB websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd October 2026.

How do Investec fixed deposit interest rates compare to FNB ?

You are more likely to find better interest rates at Investec than FNB. Specifically, 100 out of 100 interest rates are better at Investec than FNB. This means you are more likely to find a better interest rate at FNB 0% 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
8.47%
best rate
FNB
8.05%
best rate

The best interest rate you can get at Investec is 8.47% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at FNB, the best interest rate you can get is 8.05% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .

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

1 month fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
6.53%
6.15%
+
32
R250,000 for 18+
6.68%
6.25%
+
90
R1,000,000 for 18+
6.93%
6.50%
+
358
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 6.93% interest rate at Investec for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.50%. Over 1 months you will earn R358 more in interest at Investec compared FNB.

3 month fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
7.30%
6.40%
+
228
R250,000 for 18+
7.30%
6.50%
+
506
R1,000,000 for 18+
7.35%
6.70%
+
1,644
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 7.35% interest rate at Investec for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.70%. Over 3 months you will earn R1,644 more in interest at Investec compared FNB.

6 month fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
7.56%
6.65%
+
469
R250,000 for 18+
7.56%
6.75%
+
1,043
R1,000,000 for 18+
7.61%
6.95%
+
3,401
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 7.61% interest rate at Investec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.95%. Over 6 months you will earn R3,401 more in interest at Investec compared FNB.

9 month fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
7.82%
6.80%
+
803
R250,000 for 18+
7.82%
6.90%
+
1,811
R1,000,000 for 18+
7.87%
7.10%
+
6,070
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 7.87% interest rate at Investec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.10%. Over 9 months you will earn R6,070 more in interest at Investec compared FNB.

1 year fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
8.28%
7.05%
+
1,319
R250,000 for 18+
8.28%
7.15%
+
3,031
R1,000,000 for 18+
8.28%
7.35%
+
9,988
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 8.28% interest rate at Investec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.35%. Over 12 months you will earn R9,988 more in interest at Investec compared FNB.

2 year fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
8.01%
7.15%
+
1,988
R250,000 for 18+
8.01%
7.25%
+
4,396
R1,000,000 for 18+
8.01%
7.45%
+
12,982
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 8.01% interest rate at Investec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.45%. Over 2 years you will earn R12,982 more in interest at Investec compared FNB.

5 year fixed deposit interest rates compared

Investec vs FNB

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

Investment amount Investec1FNB1 Winner 2
R100,000 for 18+
8.47%
7.75%
+
5,357
R250,000 for 18+
8.47%
7.85%
+
11,560
R1,000,000 for 18+
8.47%
8.05%
+
31,477
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above FNB.
    A negative amount means that FNB offers more than Investec.
How to read this table?

You get a 8.47% interest rate at Investec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 8.05%. Over 5 years you will earn R31,477 more in interest at Investec compared FNB.

How do Investec interest rates compare to other banks?