Investec Top5 Optimiser Review for October 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 2nd October 2026 by Walter
- The Smart Rate Plus Notice Deposit offers interest rates 7.4% - 7.95% and accepts deposits from R100,000
- The Investec 7-Day Notice Deposit offers interest rates 7.25% and accepts deposits from R1,000
- The Private Select Fund offers interest rates 7.06% 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 | 7.01% #0 out of 0 | 7.64% | - R 633 |
- 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+ | 7.01% | 7.64% | - -633 |
- 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 7.01% 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 7.64%. Over one year you will earn R633 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 | 7.16% #0 out of 0 | 7.24% | - R 80 |
- 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+ | 7.16% | 7.24% | - -80 |
- 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 7.16% 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 7.24%. Over one year you will earn R80 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% - 8.15% |
| 32Day Notice Nedbank | 32-day | R0 | 5.95% - 7.8% |
| 121 Day Notice Bidvest | 121-day | R5,000 | 7.7% |
| 91 Day Notice Bidvest | 91-day | R5,000 | 7.6% |
| 32-day notice interest rate (%) Capitec | 32-day | R1 | 6.45% - 7.6% |
| 61 Day Notice Bidvest | 61-day | R5,000 | 7.55% |
| 90 day notice Savings Account Discovery | 90-day | R1 | 7.55% |
| 2 Day (48hr) Notice Bidvest | 2-day | R5,000 | 3.9% - 7.5% |