Investec
vs
FNB
Interest rates compared
Introduction
This fixed deposit comparison page compares Investec interest rates to FNB interest rates. All the interest rates shown are sourced from the Investec and FNB 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 Investec fixed deposit interest rates compare to FNB ?
You are more likely to find better interest rates at FNB than Investec. Specifically, 44 out of 100 interest rates are better at Investec than FNB. This means you are more likely to find a better interest rate at FNB 56% 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)
The best interest rate you can get at Investec 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. Whilst at FNB, the best interest rate you can get is 8.15% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 and be over the age of 55.
But how do interest rates at Investec compare to FNB across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows Investec's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | Investec1 | FNB1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.41% | 6.50% | - -24 |
| R250,000 for 18+ | 6.61% | 6.60% | + 6 |
| R250,000 for 18+ | 6.41% | 6.60% | - -119 |
| R1,000,000 for 18+ | 6.86% | 6.80% | + 143 |
| R1,000,000 for 18+ | 6.61% | 6.80% | - -499 |
| R5,000,000 for 18+ | 6.86% | 6.80% | + 713 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Investec over and above FNB.
A negative amount means that FNB offers more than Investec.
You get a 6.86% interest rate at Investec for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 6.80%. Over 3 months you will earn R713 more in interest at Investec compared FNB.
6 month fixed deposit interest rates compared
This table shows Investec's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | Investec1 | FNB1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.02% | 6.90% | + 63 |
| R100,000 for 18+ | 6.47% | 6.90% | - -218 |
| R100,000 for 55+ | 7.17% | 6.90% | + 140 |
| R250,000 for 18+ | 7.02% | 7.00% | + 24 |
| R250,000 for 18+ | 6.67% | 7.00% | - -423 |
| R250,000 for 18+ | 6.47% | 7.00% | - -677 |
| R250,000 for 55+ | 7.17% | 7.00% | + 217 |
| R1,000,000 for 18+ | 7.02% | 7.20% | - -917 |
| R1,000,000 for 18+ | 6.92% | 7.20% | - -1,448 |
| R1,000,000 for 18+ | 6.67% | 7.20% | - -2,705 |
| R1,000,000 for 55+ | 7.17% | 7.20% | - -145 |
| R5,000,000 for 18+ | 7.02% | 7.20% | - -4,585 |
| R5,000,000 for 18+ | 6.92% | 7.20% | - -7,241 |
| R5,000,000 for 55+ | 7.17% | 7.20% | - -724 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Investec over and above FNB.
A negative amount means that FNB offers more than Investec.
You get a 7.17% interest rate at Investec for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.20%. Over 6 months you will earn R724 less in interest at Investec compared FNB.
1 year fixed deposit interest rates compared
This table shows Investec's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | Investec1 | FNB1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.85% | 7.20% | + 700 |
| R100,000 for 18+ | 7.10% | 7.20% | - -100 |
| R100,000 for 55+ | 7.95% | 7.35% | + 650 |
| R250,000 for 18+ | 7.85% | 7.30% | + 1,475 |
| R250,000 for 18+ | 7.18% | 7.30% | - -325 |
| R250,000 for 18+ | 7.10% | 7.30% | - -525 |
| R250,000 for 55+ | 7.95% | 7.45% | + 1,350 |
| R1,000,000 for 18+ | 7.85% | 7.50% | + 3,800 |
| R1,000,000 for 18+ | 7.18% | 7.50% | - -3,400 |
| R1,000,000 for 18+ | 7.18% | 7.50% | - -3,400 |
| R1,000,000 for 55+ | 7.95% | 7.65% | + 3,300 |
| R5,000,000 for 18+ | 7.85% | 7.50% | + 19,000 |
| R5,000,000 for 18+ | 7.18% | 7.50% | - -17,000 |
| R5,000,000 for 55+ | 7.95% | 7.65% | + 16,500 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Investec over and above FNB.
A negative amount means that FNB offers more than Investec.
You get a 7.95% interest rate at Investec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.65%. Over 12 months you will earn R16,500 more in interest at Investec compared FNB.
2 year fixed deposit interest rates compared
This table shows Investec's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.
| Investment amount | Investec1 | FNB1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.35% | 7.15% | + 451 |
| R100,000 for 55+ | 7.50% | 7.20% | + 689 |
| R250,000 for 18+ | 7.35% | 7.25% | + 538 |
| R250,000 for 55+ | 7.50% | 7.30% | + 1,130 |
| R1,000,000 for 18+ | 7.35% | 7.45% | - -2,368 |
| R1,000,000 for 55+ | 7.50% | 7.55% | - -1,293 |
| R5,000,000 for 18+ | 7.35% | 7.45% | - -11,842 |
| R5,000,000 for 55+ | 7.50% | 7.55% | - -6,467 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Investec over and above FNB.
A negative amount means that FNB offers more than Investec.
You get a 7.5% interest rate at Investec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.55%. Over 2 years you will earn R6,467 less in interest at Investec compared FNB.
5 year fixed deposit interest rates compared
This table shows Investec's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.
| Investment amount | Investec1 | FNB1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.89% | 7.80% | + 684 |
| R100,000 for 55+ | 8.04% | 7.80% | + 1,782 |
| R250,000 for 18+ | 7.89% | 7.90% | - -171 |
| R250,000 for 55+ | 8.04% | 7.90% | + 2,576 |
| R1,000,000 for 18+ | 7.89% | 8.10% | - -15,817 |
| R1,000,000 for 55+ | 8.04% | 8.15% | - -8,285 |
| R5,000,000 for 18+ | 7.89% | 8.10% | - -79,087 |
| R5,000,000 for 55+ | 8.04% | 8.15% | - -41,423 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Investec over and above FNB.
A negative amount means that FNB offers more than Investec.
You get a 8.04% interest rate at Investec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 8.15%. Over 5 years you will earn R41,423 less in interest at Investec compared FNB.
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