Investec Top5 Optimiser Review for March 2026
Introduction
The Investec Top5 Optimiser is a notice account offered by Investec. Unlike savings accounts, notice accounts require you to give the bank 45-day to 90-day notice before accessing your money, but in return you typically earn a better interest rate.
This page summarises interest rates offered by Investec Top5 Optimiser and compares them to South Africa's notice account industry average. So you can get a good idea how the interest rates offered by Investec Top5 Optimiser compare to other banks.
Investec Top5 Optimiser highlights
last updated 1st March 2026 by Walter
- The Smart Rate Plus Notice Deposit offers interest rates 6.9% - 7.45% and accepts deposits from R100,000
- The Private Select Fund offers interest rates 6.83% and accepts deposits from R1,000,000
- The Investec 7-Day Notice Deposit offers interest rates 6.75% and accepts deposits from R1,000
Investec Top5 Optimiser (45-day notice)
This table shows Investec Top5 Optimiser (45-day notice)'s interest rates for a R100,000 investment in Investec Top5 Optimiser (45-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 6.79% #0 out of 0 | 7.14% | - R 353 |
- 1 industry average refers to the average interest rate across all other savings accounts for the given investment amount
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average savings account in South africa will give you more than Investec Top5 Optimiser (45-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 6.79% | 7.14% | - -352 |
- 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 savings account in South africa will give you more than Investec Top5 Optimiser (45-day notice).
You get a 6.79% interest rate at Investec Top5 Optimiser (45-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 7.14%. Over one year you will earn R353 less in interest at Investec Top5 Optimiser (45-day notice) compared to the average savings account.
Investec Top5 Optimiser (90-day notice)
This table shows Investec Top5 Optimiser (90-day notice)'s interest rates for a R100,000 investment in Investec Top5 Optimiser (90-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 6.94% #0 out of 0 | 7.30% | - R 363 |
- 1 industry average refers to the average interest rate across all other savings accounts for the given investment amount
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average savings account in South africa will give you more than Investec Top5 Optimiser (90-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 6.94% | 7.30% | - -363 |
- 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 savings account in South africa will give you more than Investec Top5 Optimiser (90-day notice).
You get a 6.94% interest rate at Investec Top5 Optimiser (90-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 7.30%. Over one year you will earn R363 less in interest at Investec Top5 Optimiser (90-day notice) compared to the average savings account.
Similar notice accounts from other banks
| Product | Notice period | Min Deposit | Rate |
|---|---|---|---|
| Absa Notice Select 45 Day Absa | 45-day | R0 | 0.35% - 7.65% |
| 90 Day Notice Access Bank Plc | 90-day | R0 | 6.25% - 7.5% |
| 60 Day Notice Access Bank Plc | 60-day | R0 | 6.15% - 7.4% |
| 32 Day Notice Access Bank Plc | 32-day | R0 | 6.05% - 7.3% |
| 121 Day Notice Bidvest | 121-day | R5,000 | 7.3% |
| 32 Day Notice Nedbank | 32-day | R0 | 5.45% - 7.3% |
| 90 Day Notice African Bank | 90-day | R0 | 5.85% - 7.26% |
| 15 Day Notice Access Bank Plc | 15-day | R0 | 5.95% - 7.2% |