Investec Top5 Optimiser Review for July 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 July 2026 by Walter
- The Smart Rate Plus Notice Deposit offers interest rates 7.15% - 7.7% and accepts deposits from R100,000
- The Investec 7-Day Notice Deposit offers interest rates 7% and accepts deposits from R1,000
- The Private Select Fund offers interest rates 6.88% and accepts deposits from R1,000,000
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 | 6.86% #0 out of 0 | 7.39% | - R 533 |
- 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+ | 6.86% | 7.39% | - -532 |
- 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 6.86% 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 7.39%. Over one year you will earn R533 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 | 7.01% #0 out of 0 | 7.43% | - R 418 |
- 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+ | 7.01% | 7.43% | - -418 |
- 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 7.01% 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 7.43%. Over one year you will earn R418 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% - 7.9% |
| 32Day Notice Nedbank | 32-day | R0 | 5.7% - 7.55% |
| 90 Day Notice Access Bank Plc | 90-day | R0 | 6.25% - 7.5% |
| 121 Day Notice Bidvest | 121-day | R5,000 | 7.5% |
| 60 Day Notice Access Bank Plc | 60-day | R0 | 6.15% - 7.4% |
| 91 Day Notice Bidvest | 91-day | R5,000 | 7.4% |
| 2 Day (48hr) Notice Bidvest | 2-day | R5,000 | 3.7% - 7.35% |
| 61 Day Notice Bidvest | 61-day | R5,000 | 7.35% |