Investec vs FNB

Interest rates compared

Last updated 1st March 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 1st March 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, 95 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 5% 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
FNB
7.20%
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 FNB, the best interest rate you can get is 7.2% 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+
6.40%
5.65%
+
63
R250,000 for 18+
6.40%
5.75%
+
135
R1,000,000 for 18+
6.40%
6.00%
+
333
  • 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 6.4% 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 6.00%. Over 1 months you will earn R333 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+
7.00%
5.90%
+
278
R250,000 for 18+
7.00%
6.00%
+
632
R1,000,000 for 18+
7.00%
6.20%
+
2,022
  • 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% 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 6.20%. Over 3 months you will earn R2,022 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+
7.26%
6.15%
+
571
R250,000 for 18+
7.26%
6.25%
+
1,298
R1,000,000 for 18+
7.26%
6.45%
+
4,167
  • 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 7.26% 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 6.45%. Over 6 months you will earn R4,167 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+
7.52%
6.25%
+
997
R250,000 for 18+
7.52%
6.35%
+
2,297
R1,000,000 for 18+
7.52%
6.55%
+
7,623
  • 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 7.52% 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 6.55%. Over 9 months you will earn R7,623 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+
7.78%
6.50%
+
1,366
R250,000 for 18+
7.78%
6.60%
+
3,150
R1,000,000 for 18+
7.78%
6.80%
+
10,475
  • 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 7.78% 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 6.80%. Over 12 months you will earn R10,475 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+
6.72%
6.40%
+
725
R250,000 for 18+
6.72%
6.50%
+
1,248
R1,000,000 for 18+
6.72%
6.70%
+
455
  • 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 6.72% 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 6.70%. Over 2 years you will earn R455 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+
7.12%
6.90%
+
1,551
R250,000 for 18+
7.12%
7.00%
+
2,120
R1,000,000 for 18+
7.12%
7.20%
-
-5,682
  • 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 7.12% 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 7.20%. Over 5 years you will earn R5,682 less in interest at Investec compared FNB.

How do Investec interest rates compare to other banks?