Investec Fixed Deposit Review for April 2025

Last updated 2nd April 2025 by Walter

Introduction

This page summarises all the fixed deposits offered by Investec. All the rates shown are sourced from the Investec website - investec.co.za. All rates shown on this page have been converted to nominal and effective annual rates! This allows you to compare rates across all banks. Yippee!

The Investec fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.

Investec fixed deposits highlights

last updated 2nd April 2025 by Walter

R100,000
min deposit
8.75%
best rate

Here are Investec's best fixed deposit rates

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.

Here are Investec's five best fixed deposit interest rates:

# Min deposit Term Nominal
1 R100,000 P60 months 8.75%
2 R100,000 60 months 8.60%
3 R100,000 P12 months 8.25%
4 R100,000 P24 months 8.08%
5 R100,000 12 months 8.05%
P
only individuals older than 55 qualify

Investec 3 month fixed deposit

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

Investment amount Nominal Industry average1 Earnings vs average2
R100,000 for 18+6.93% 7.47%
-
-137
R250,000 for 18+7.13% 7.49%
-
-229
R250,000 for 18+6.93% 7.49%
-
-359
R1,000,000 for 18+7.38% 7.53%
-
-390
R1,000,000 for 18+7.13% 7.53%
-
-1,006
R5,000,000 for 18+7.38% 7.51%
-
-1,716
How to read this table?

You get a 6.93% interest rate at Investec for a R100,000 investment in a 3 month fixed deposit (if you are older than 18). The industry average is 7.47%. Over 3 months you will earn R137 less in interest at Investec compared to the average bank.

Investec 6 month fixed deposit

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

Investment amount Nominal Industry average1 Earnings vs average2
R100,000 for 18+7.53% 7.80%
-
-140
R100,000 for 55+7.77% 7.73%
+
18
R250,000 for 18+7.53% 7.83%
-
-384
R250,000 for 55+7.77% 7.77%
-
-7
R1,000,000 for 18+7.53% 7.87%
-
-1,757
R1,000,000 for 55+7.77% 7.84%
-
-396
R5,000,000 for 18+7.53% 7.88%
-
-8,963
R5,000,000 for 55+7.77% 7.85%
-
-2,005
How to read this table?

You get a 7.53% interest rate at Investec for a R100,000 investment in a 6 month fixed deposit (if you are older than 18). The industry average is 7.80%. Over 6 months you will earn R140 less in interest at Investec compared to the average bank.

Investec 1 year fixed deposit

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

Investment amount Nominal Industry average1 Earnings vs average2
R100,000 for 18+8.05% 8.14%
-
-98
R100,000 for 55+8.25% 8.12%
+
143
R250,000 for 18+8.05% 8.17%
-
-317
R250,000 for 55+8.25% 8.17%
+
230
R1,000,000 for 18+8.05% 8.21%
-
-1,725
R1,000,000 for 55+8.25% 8.23%
+
193
R5,000,000 for 18+8.05% 8.21%
-
-8,950
R5,000,000 for 55+8.25% 8.23%
+
923
How to read this table?

You get a 8.05% interest rate at Investec for a R100,000 investment in a 1 year fixed deposit (if you are older than 18). The industry average is 8.14%. Over 12 months you will earn R98 less in interest at Investec compared to the average bank.

Investec 2 year fixed deposit

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

Investment amount Nominal Industry average1 Earnings vs average2
R100,000 for 18+7.93% 8.16%
-
-526
R100,000 for 55+8.08% 8.11%
-
-31
R250,000 for 18+7.93% 8.20%
-
-1,527
R250,000 for 55+8.08% 8.16%
-
-366
R1,000,000 for 18+7.93% 8.23%
-
-6,901
R1,000,000 for 55+8.08% 8.22%
-
-3,037
R5,000,000 for 18+7.93% 8.25%
-
-36,359
R5,000,000 for 55+8.08% 8.18%
-
-11,075
How to read this table?

You get a 7.93% interest rate at Investec for a R100,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 8.16%. Over 2 years you will earn R526 less in interest at Investec compared to the average bank.

Investec 5 year fixed deposit

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

Investment amount Nominal Industry average1 Earnings vs average2
R100,000 for 18+8.60% 8.94%
-
-2,498
R100,000 for 55+8.75% 8.85%
-
-740
R250,000 for 18+8.60% 8.97%
-
-6,966
R250,000 for 55+8.75% 8.90%
-
-2,741
R1,000,000 for 18+8.60% 9.01%
-
-30,372
R1,000,000 for 55+8.75% 8.97%
-
-16,261
R5,000,000 for 18+8.60% 9.02%
-
-155,083
R5,000,000 for 55+8.75% 8.87%
-
-46,016
How to read this table?

You get a 8.6% interest rate at Investec for a R100,000 investment in a 5 year fixed deposit (if you are older than 18). The industry average is 8.94%. Over 5 years you will earn R2,498 less in interest at Investec compared to the average bank.