Investec Fixed Deposit Review for July 2025
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 1st July 2025 by Walter
Here are Investec's best fixed deposit rates
The best interest rate you can get at Investec is 8.18% 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 | Effective |
|---|
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+ | 6.66% | 7.30% | - -161 |
| R250,000 for 18+ | 6.86% | 7.34% | - -305 |
| R250,000 for 18+ | 6.66% | 7.34% | - -430 |
| R1,000,000 for 18+ | 7.11% | 7.39% | - -716 |
| R1,000,000 for 18+ | 6.86% | 7.39% | - -1,357 |
| R5,000,000 for 18+ | 7.11% | 7.37% | - -3,246 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 6.66% | 7.30% | - -161 |
| R250,000 for 18+ | 6.86% | 7.34% | - -305 |
| R250,000 for 18+ | 6.66% | 7.34% | - -430 |
| R1,000,000 for 18+ | 7.11% | 7.39% | - -716 |
| R1,000,000 for 18+ | 6.86% | 7.39% | - -1,357 |
| R5,000,000 for 18+ | 7.11% | 7.37% | - -3,246 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Investec.
You get a 6.66% 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 7.30%. Over 3 months you will earn R161 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+ | 7.19% | 7.58% | - -202 |
| R100,000 for 18+ | 6.64% | 7.58% | - -482 |
| R100,000 for 55+ | 7.34% | 7.51% | - -91 |
| R250,000 for 18+ | 7.19% | 7.62% | - -551 |
| R250,000 for 18+ | 6.84% | 7.62% | - -997 |
| R250,000 for 18+ | 6.64% | 7.62% | - -1,251 |
| R250,000 for 55+ | 7.34% | 7.56% | - -291 |
| R1,000,000 for 18+ | 7.19% | 7.65% | - -2,392 |
| R1,000,000 for 18+ | 7.09% | 7.65% | - -2,923 |
| R1,000,000 for 18+ | 6.84% | 7.65% | - -4,179 |
| R1,000,000 for 55+ | 7.34% | 7.63% | - -1,518 |
| R5,000,000 for 18+ | 7.19% | 7.64% | - -11,704 |
| R5,000,000 for 18+ | 7.09% | 7.64% | - -14,358 |
| R5,000,000 for 55+ | 7.34% | 7.62% | - -7,314 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.19% | 7.58% | - -202 |
| R100,000 for 18+ | 6.64% | 7.58% | - -482 |
| R100,000 for 55+ | 7.34% | 7.51% | - -91 |
| R250,000 for 18+ | 7.19% | 7.62% | - -551 |
| R250,000 for 18+ | 6.84% | 7.62% | - -997 |
| R250,000 for 18+ | 6.64% | 7.62% | - -1,251 |
| R250,000 for 55+ | 7.34% | 7.56% | - -291 |
| R1,000,000 for 18+ | 7.19% | 7.65% | - -2,392 |
| R1,000,000 for 18+ | 7.09% | 7.65% | - -2,923 |
| R1,000,000 for 18+ | 6.84% | 7.65% | - -4,179 |
| R1,000,000 for 55+ | 7.34% | 7.63% | - -1,518 |
| R5,000,000 for 18+ | 7.19% | 7.64% | - -11,704 |
| R5,000,000 for 18+ | 7.09% | 7.64% | - -14,358 |
| R5,000,000 for 55+ | 7.34% | 7.62% | - -7,314 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Investec.
You get a 7.19% 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 7.58%. Over 6 months you will earn R202 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+ | 7.95% | 7.81% | + 153 |
| R100,000 for 18+ | 7.22% | 7.81% | - -637 |
| R100,000 for 55+ | 8.05% | 7.80% | + 267 |
| R250,000 for 18+ | 7.95% | 7.87% | + 227 |
| R250,000 for 18+ | 7.30% | 7.87% | - -1,523 |
| R250,000 for 18+ | 7.22% | 7.87% | - -1,748 |
| R250,000 for 55+ | 8.05% | 7.87% | + 472 |
| R1,000,000 for 18+ | 7.95% | 7.92% | + 375 |
| R1,000,000 for 18+ | 7.30% | 7.92% | - -6,625 |
| R1,000,000 for 18+ | 7.30% | 7.92% | - -6,625 |
| R1,000,000 for 55+ | 8.05% | 7.94% | + 1,107 |
| R5,000,000 for 18+ | 7.95% | 7.92% | + 1,600 |
| R5,000,000 for 18+ | 7.30% | 7.92% | - -33,400 |
| R5,000,000 for 55+ | 8.05% | 7.94% | + 5,500 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.95% | 7.81% | + 153 |
| R100,000 for 18+ | 7.22% | 7.81% | - -637 |
| R100,000 for 55+ | 8.05% | 7.80% | + 267 |
| R250,000 for 18+ | 7.95% | 7.87% | + 227 |
| R250,000 for 18+ | 7.30% | 7.87% | - -1,523 |
| R250,000 for 18+ | 7.22% | 7.87% | - -1,748 |
| R250,000 for 55+ | 8.05% | 7.87% | + 472 |
| R1,000,000 for 18+ | 7.95% | 7.92% | + 375 |
| R1,000,000 for 18+ | 7.30% | 7.92% | - -6,625 |
| R1,000,000 for 18+ | 7.30% | 7.92% | - -6,625 |
| R1,000,000 for 55+ | 8.05% | 7.94% | + 1,107 |
| R5,000,000 for 18+ | 7.95% | 7.92% | + 1,600 |
| R5,000,000 for 18+ | 7.30% | 7.92% | - -33,400 |
| R5,000,000 for 55+ | 8.05% | 7.94% | + 5,500 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Investec.
You get a 7.95% 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 7.81%. Over 12 months you will earn R153 more 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+ | 7.47% | 7.83% | - -802 |
| R100,000 for 55+ | 7.62% | 7.80% | - -392 |
| R250,000 for 18+ | 7.47% | 7.88% | - -2,315 |
| R250,000 for 55+ | 7.62% | 7.86% | - -1,342 |
| R1,000,000 for 18+ | 7.47% | 7.93% | - -10,342 |
| R1,000,000 for 55+ | 7.62% | 7.94% | - -7,206 |
| R5,000,000 for 18+ | 7.47% | 7.95% | - -54,187 |
| R5,000,000 for 55+ | 7.62% | 7.91% | - -34,098 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.47% | 7.83% | - -802 |
| R100,000 for 55+ | 7.62% | 7.80% | - -392 |
| R250,000 for 18+ | 7.47% | 7.88% | - -2,315 |
| R250,000 for 55+ | 7.62% | 7.86% | - -1,342 |
| R1,000,000 for 18+ | 7.47% | 7.93% | - -10,342 |
| R1,000,000 for 55+ | 7.62% | 7.94% | - -7,206 |
| R5,000,000 for 18+ | 7.47% | 7.95% | - -54,187 |
| R5,000,000 for 55+ | 7.62% | 7.91% | - -34,098 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Investec.
You get a 7.47% 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 7.83%. Over 2 years you will earn R802 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+ | 8.03% | 8.64% | - -4,541 |
| R100,000 for 55+ | 8.18% | 8.57% | - -2,904 |
| R250,000 for 18+ | 8.03% | 8.70% | - -12,415 |
| R250,000 for 55+ | 8.18% | 8.63% | - -8,433 |
| R1,000,000 for 18+ | 8.03% | 8.76% | - -54,663 |
| R1,000,000 for 55+ | 8.18% | 8.72% | - -40,997 |
| R5,000,000 for 18+ | 8.03% | 8.77% | - -275,048 |
| R5,000,000 for 55+ | 8.18% | 8.62% | - -168,860 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 8.03% | 8.64% | - -4,541 |
| R100,000 for 55+ | 8.18% | 8.57% | - -2,904 |
| R250,000 for 18+ | 8.03% | 8.70% | - -12,415 |
| R250,000 for 55+ | 8.18% | 8.63% | - -8,433 |
| R1,000,000 for 18+ | 8.03% | 8.76% | - -54,663 |
| R1,000,000 for 55+ | 8.18% | 8.72% | - -40,997 |
| R5,000,000 for 18+ | 8.03% | 8.77% | - -275,048 |
| R5,000,000 for 55+ | 8.18% | 8.62% | - -168,860 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Investec.
You get a 8.03% 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 8.64%. Over 5 years you will earn R4,541 less in interest at Investec compared to the average bank.