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SmartRate 15-Day Notice Deposit

The difference between waiting for better tomorrows and building their future.

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15-Day

notice period

R100,000

Minimum opening deposit if you don't have a Private Bank Account

7.39% NACA*

interest rate

R1,000

Minimum opening deposit if you have a Private Bank Account

The smart money waits 15 days for better returns

With the Investec SmartRate 15-Day Notice Deposit, your money earns a rate while still providing you with short term access to your funds 15 days after placing notice.

Want to find out more? Contact your Private Banker or fill in your details if you would like to save but don't have an Investec Private Bank account.

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What is the difference between an annual effective rate (NACA) and a nominal rate (NACM)?
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Interest rates are quoted either as annual effective rates (NACA) or nominal rates (NACM). The NACA is the interest rate earned (at the same nominal rate) over a 12-month period with the interest compounding back into the savings account. NACM is the actual interest earned over a one-month period. It is important to note that the interest you will have earned at the time of your withdrawal will be in line with lifecycle of your funds at the time of placing your 15 days notice.

How the product works
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  • Decide on your deposit amount
  • You will have access to your funds 15 days after placing notice
  • If you don’t already have an Investec Call Account, one will be opened automatically at the inception of the account, as each notice withdrawal instruction will require details of a settlement account. If you already have an Investec Private Bank account, should you not specify a different settlement account, funds withdrawn will automatically be transferred into your Investec Private Bank account
  • You are able to make additional deposits into your account after your initial deposit
Benefits
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  • No monthly fees are applicable on this product
  • No transaction fees
  • Dedicated service
  • Free online banking
Minimum deposit
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  • Save from R100,000 if you don't have a Private Bank Account
  • Save from R1,000 if you are an existing Investec Private Bank account holder
  • There is no maximum deposit and you can make additional deposits at any point in time
Existing Private Banking clients - open online
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Open and transfer in a few clicks

  • Log into Investec Online
  • From your Overview page click on ‘Open a new account’
  • Select the ‘Save’ tab
  • Scroll down and select ‘SmartRate’
  • Click on ‘Apply’ and complete a few questions
  • Once your account is opened, you can simply transfer your funds and start earning a competitive rate

If you’re ready to place a 15-day notice, it’s online, it’s easy

  • Log into Investec Online
  • Select your SmartRate 15-day notice account
  • Click on the ‘Notice withdrawal’ option and go to the ‘Place notice’ tab
  • Complete the relevant fields and click ‘Continue’
  • Check all information is correct and click ‘Submit’

You will then see your noticed placed under the ‘Pending notice’ tab

Product downloads

Download SmartRate product rules

See what your returns could be:

Future value calculator
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Investment Amount *
R
Term *
Interest Rate *
%

R 0.00

Future Value (Interest compounded)*

R 0.00

Interest Paid at Maturity*

0 %

Nominal Rate (NACM)

R 0.00

Interest Paid Monthly (Approximately)*

0 %

Period Effective Yield

All rates are indicative, and are subject to vary as rates are calculated on a daily basis. This is not an official confirmation of the term or rate, and any transaction that may be concluded pursuant to this shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties.

More access with notice accounts

SmartRate

SmartRate notice deposit accounts

Our flexible notice deposit account lets you structure your cash savings according to your needs. Choose from 32, 45, 60, 90 and 120 day notice periods

Learn more

Interest rates

View the latest interest rates

View rates

Terms and conditions

View terms and conditions
Disclaimer

View disclaimer here

*Annual effective rate. All rates are indicative, and are subject to vary as rates are calculated on a daily basis.  This is not an official confirmation of the term or rate, and any transaction that may be concluded pursuant to this shall be in terms of and confirmed by the signing of appropriate documentation, on terms to be agreed between the parties.