Investec Smart Rate Plus Notice Deposit Review for March 2026
Introduction
The Investec Smart Rate Plus Notice Deposit is a notice account offered by Investec. Unlike savings accounts, notice accounts require you to give the bank 15-day to 120-day notice before accessing your money, but in return you typically earn a better interest rate.
This page summarises interest rates offered by Investec Smart Rate Plus Notice Deposit 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 Smart Rate Plus Notice Deposit compare to other banks.
Investec Smart Rate Plus Notice Deposit highlights
last updated 1st March 2026 by Walter
- The Top5 Optimiser offers interest rates 6.79% - 6.94% 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 Smart Rate Plus Notice Deposit (15-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (15-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (15-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 6.90% #0 out of 0 | 6.98% | - R 83 |
- 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 Smart Rate Plus Notice Deposit (15-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 6.90% | 6.98% | - -83 |
- 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 Smart Rate Plus Notice Deposit (15-day notice).
You get a 6.9% interest rate at Investec Smart Rate Plus Notice Deposit (15-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 6.98%. Over one year you will earn R83 less in interest at Investec Smart Rate Plus Notice Deposit (15-day notice) compared to the average savings account.
Investec Smart Rate Plus Notice Deposit (32-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (32-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (32-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 7.25% #0 out of 0 | 7.05% | + R 196 |
- 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 Smart Rate Plus Notice Deposit (32-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.25% | 7.05% | + 196 |
- 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 Smart Rate Plus Notice Deposit (32-day notice).
You get a 7.25% interest rate at Investec Smart Rate Plus Notice Deposit (32-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 7.05%. Over one year you will earn R196 more in interest at Investec Smart Rate Plus Notice Deposit (32-day notice) compared to the average savings account.
Investec Smart Rate Plus Notice Deposit (45-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (45-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (45-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 7.28% #0 out of 0 | 7.14% | + R 138 |
- 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 Smart Rate Plus Notice Deposit (45-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.28% | 7.14% | + 138 |
- 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 Smart Rate Plus Notice Deposit (45-day notice).
You get a 7.28% interest rate at Investec Smart Rate Plus Notice Deposit (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 R138 more in interest at Investec Smart Rate Plus Notice Deposit (45-day notice) compared to the average savings account.
Investec Smart Rate Plus Notice Deposit (60-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (60-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (60-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 7.30% #0 out of 0 | 7.17% | + R 133 |
- 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 Smart Rate Plus Notice Deposit (60-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.30% | 7.17% | + 133 |
- 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 Smart Rate Plus Notice Deposit (60-day notice).
You get a 7.3% interest rate at Investec Smart Rate Plus Notice Deposit (60-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 7.17%. Over one year you will earn R133 more in interest at Investec Smart Rate Plus Notice Deposit (60-day notice) compared to the average savings account.
Investec Smart Rate Plus Notice Deposit (90-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (90-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (90-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 7.40% #0 out of 0 | 7.30% | + R 98 |
- 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 Smart Rate Plus Notice Deposit (90-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.40% | 7.30% | + 98 |
- 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 Smart Rate Plus Notice Deposit (90-day notice).
You get a 7.4% interest rate at Investec Smart Rate Plus Notice Deposit (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 R98 more in interest at Investec Smart Rate Plus Notice Deposit (90-day notice) compared to the average savings account.
Investec Smart Rate Plus Notice Deposit (120-day notice)
This table shows Investec Smart Rate Plus Notice Deposit (120-day notice)'s interest rates for a R100,000 investment in Investec Smart Rate Plus Notice Deposit (120-day notice) versus the industry average.
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 | 7.45% #0 out of 0 | 7.45% | - R 0 |
- 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 Smart Rate Plus Notice Deposit (120-day notice).
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R100,000 for 18+ | 7.45% | 7.45% | - 0 |
- 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 Smart Rate Plus Notice Deposit (120-day notice).
You get a 7.45% interest rate at Investec Smart Rate Plus Notice Deposit (120-day notice) for a R100,000 investment. The industry average for a savings account with a balance of R100,000 is 7.45%. Over one year you will earn R0 less in interest at Investec Smart Rate Plus Notice Deposit (120-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% |