Absa vs Investec

Interest rates compared

Last updated 3rd August 2025 by Walter

Introduction

This fixed deposit comparison page compares Absa interest rates to Investec interest rates. All the interest rates shown are sourced from the Absa and Investec websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th August 2025.

How do Absa fixed deposit interest rates compare to Investec ?

You are more likely to find better interest rates at Absa than Investec. Specifically, 78 out of 100 interest rates are better at Absa than Investec. This means you are more likely to find a better interest rate at Investec 22% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)

Absa
8.30%
best rate
Investec
8.04%
best rate

The best interest rate you can get at Absa is 8.3% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 and be over the age of 55. Whilst at Investec, the best interest rate you can get is 8.04% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55.

But how do interest rates at Absa compare to Investec across different terms and investment amounts?

3 month fixed deposit interest rates compared

Absa vs Investec

This table shows Absa's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount Absa1Investec1 Winner 2
R100,000 for 18+
7.30%
6.41%
+
226
R100,000 for 18+
7.30%
6.41%
+
226
R250,000 for 18+
7.30%
6.61%
+
439
R250,000 for 18+
7.30%
6.61%
+
439
R1,000,000 for 18+
7.30%
6.86%
+
1,114
R1,000,000 for 18+
7.30%
6.86%
+
1,114
R5,000,000 for 18+
7.30%
6.86%
+
5,572
R5,000,000 for 18+
7.30%
6.86%
+
5,572
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Investec.
    A negative amount means that Investec offers more than Absa.
How to read this table?

You get a 7.3% interest rate at Absa for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.86%. Over 3 months you will earn R5,572 more in interest at Absa compared Investec.

6 month fixed deposit interest rates compared

Absa vs Investec

This table shows Absa's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Absa1Investec1 Winner 2
R100,000 for 18+
7.65%
7.02%
+
323
R100,000 for 18+
7.65%
7.02%
+
323
R100,000 for 55+
7.70%
7.17%
+
275
R100,000 for 55+
7.70%
7.17%
+
275
R250,000 for 18+
7.65%
7.02%
+
807
R250,000 for 18+
7.65%
7.02%
+
807
R250,000 for 55+
7.70%
7.17%
+
687
R250,000 for 55+
7.70%
7.17%
+
687
R1,000,000 for 18+
7.65%
7.02%
+
3,230
R1,000,000 for 18+
7.65%
7.02%
+
3,230
R1,000,000 for 55+
7.70%
7.17%
+
2,746
R1,000,000 for 55+
7.70%
7.17%
+
2,746
R5,000,000 for 18+
7.65%
7.02%
+
16,149
R5,000,000 for 18+
7.65%
7.02%
+
16,149
R5,000,000 for 55+
7.70%
7.17%
+
13,731
R5,000,000 for 55+
7.70%
7.17%
+
13,731
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Investec.
    A negative amount means that Investec offers more than Absa.
How to read this table?

You get a 7.7% interest rate at Absa for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.17%. Over 6 months you will earn R13,731 more in interest at Absa compared Investec.

1 year fixed deposit interest rates compared

Absa vs Investec

This table shows Absa's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Absa1Investec1 Winner 2
R100,000 for 18+
7.55%
7.85%
-
-320
R100,000 for 18+
7.55%
7.85%
-
-320
R100,000 for 55+
7.60%
7.95%
-
-380
R100,000 for 55+
7.60%
7.95%
-
-380
R250,000 for 18+
7.55%
7.85%
-
-800
R250,000 for 18+
7.55%
7.85%
-
-800
R250,000 for 55+
7.60%
7.95%
-
-950
R250,000 for 55+
7.60%
7.95%
-
-950
R1,000,000 for 18+
7.55%
7.85%
-
-3,200
R1,000,000 for 18+
7.55%
7.85%
-
-3,200
R1,000,000 for 55+
7.60%
7.95%
-
-3,800
R1,000,000 for 55+
7.60%
7.95%
-
-3,800
R5,000,000 for 18+
7.55%
7.85%
-
-16,000
R5,000,000 for 18+
7.55%
7.85%
-
-16,000
R5,000,000 for 55+
7.60%
7.95%
-
-19,000
R5,000,000 for 55+
7.60%
7.95%
-
-19,000
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Investec.
    A negative amount means that Investec offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.95%. Over 12 months you will earn R19,000 less in interest at Absa compared Investec.

2 year fixed deposit interest rates compared

Absa vs Investec

This table shows Absa's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Absa1Investec1 Winner 2
R100,000 for 18+
7.55%
7.35%
+
474
R100,000 for 18+
7.55%
7.35%
+
474
R100,000 for 55+
7.60%
7.50%
+
237
R100,000 for 55+
7.60%
7.50%
+
237
R250,000 for 18+
7.55%
7.35%
+
1,185
R250,000 for 18+
7.55%
7.35%
+
1,185
R250,000 for 55+
7.60%
7.50%
+
593
R250,000 for 55+
7.60%
7.50%
+
593
R1,000,000 for 18+
7.55%
7.35%
+
4,739
R1,000,000 for 18+
7.55%
7.35%
+
4,739
R1,000,000 for 55+
7.60%
7.50%
+
2,372
R1,000,000 for 55+
7.60%
7.50%
+
2,372
R5,000,000 for 18+
7.55%
7.35%
+
23,696
R5,000,000 for 18+
7.55%
7.35%
+
23,696
R5,000,000 for 55+
7.60%
7.50%
+
11,860
R5,000,000 for 55+
7.60%
7.50%
+
11,860
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Investec.
    A negative amount means that Investec offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.50%. Over 2 years you will earn R11,860 more in interest at Absa compared Investec.

5 year fixed deposit interest rates compared

Absa vs Investec

This table shows Absa's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Absa1Investec1 Winner 2
R100,000 for 18+
8.25%
7.89%
+
2,690
R100,000 for 18+
8.25%
7.89%
+
2,690
R100,000 for 55+
8.30%
8.04%
+
1,939
R100,000 for 55+
8.30%
8.04%
+
1,939
R250,000 for 18+
8.25%
7.89%
+
6,725
R250,000 for 18+
8.25%
7.89%
+
6,725
R250,000 for 55+
8.30%
8.04%
+
4,847
R250,000 for 55+
8.30%
8.04%
+
4,847
R1,000,000 for 18+
8.25%
7.89%
+
26,900
R1,000,000 for 18+
8.25%
7.89%
+
26,900
R1,000,000 for 55+
8.30%
8.04%
+
19,388
R1,000,000 for 55+
8.30%
8.04%
+
19,388
R5,000,000 for 18+
8.25%
7.89%
+
134,500
R5,000,000 for 18+
8.25%
7.89%
+
134,500
R5,000,000 for 55+
8.30%
8.04%
+
96,939
R5,000,000 for 55+
8.30%
8.04%
+
96,939
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Investec.
    A negative amount means that Investec offers more than Absa.
How to read this table?

You get a 8.3% interest rate at Absa for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 8.04%. Over 5 years you will earn R96,939 more in interest at Absa compared Investec.

How do Absa interest rates compare to other banks?