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Investec Business Savings Accounts

Investec business savings accounts come in a variety of different formats that, in the company’s own words “help you make the most of your surplus cash in your business”.  

At Fair Investment, it is our aim to provide comprehensive comparisons on business savings accounts deals so that customers can research the most competitively priced offers available. Investec also offer structured deposit plans for businesses, which are capital protected, but any potential returns are dependent on the FTSE 100 Index. Compare alternative business savings options from Investec, or for more information on savings accounts from other providers, please see the business savings account comparison table below:


Investec Structured Deposits for Businesses
ProviderPlan NameMaximum Potential Return*TermMore Info
Kick Out Deposit6%
per annum
Up to
6 years
More Info >
  • 6% for each year if the FTSE 100 finishes higher than its starting value
  • Opportunity to mature early at year 3, 4 or 5
  • Capital protected
  • Short/medium term alternative to fixed rates
  • Covered by the FSCS (Financial Services Compensation Scheme)
  • Plan designed to be held for full term
  • Arrangement fee applies
  • Returns not guaranteed. You may only receive a return of your original capital 
* Maximum Growth Yields are not guaranteed and subject to certain conditions
Business Savings Selection
ProviderAccountRate TermApply
1.50%1 YearMore Info >
1.50% gross/AER. £1,000 minimum opening balance. No withdrawals.
1.00%95 Day NoticeMore Info >
Earn a higher rate of interest if you don;t need immediate access to your savings, with interest paid monthly or annually. Open to businesses with fewer than 250 employees and a turnover or assets of up to £45 million.
1.00%6 MonthsMore Info >
1.00% gross/AER. £1,000 minimum opening balance. No withdrawals.
0.90%1 YearMore Info >
A highly competitive rate of interest if you can lock your savings away for 1 year, with interest paid on maturity. Open to businesses with fewer than 250 employees and a turnover or assets of up to £45 million.
0.85%Easy AccessMore Info >
0.85% gross/AER. £1,000 minimum opening balance. Unlimited withdrawals.
0.50%Instant AccessMore Info >
Instant access account for - BUSINESS, CHARITIES, HOUSING ASSOCIATIONS, CLUBS & PARTNERSHIPS - Interest paid monthly or annually. Open to organisations with fewer than 250 employees and a turnover or assets of up to £45 million.

The following is a brief explanation of their available account types:

  • Fixed Term Business Deposits, requiring a minimum deposit of £50,000, these accounts provide customers with a guaranteed fixed growth rate for their savings
  • LIBOR Plus Deposit Accounts, that provide customers with daily tracked rates with an additional premium of 0.5%
  • Corporate Reserve Accounts, that come with a choice between annual or monthly interest payments but will require a 30 day notice period before any withdrawals
  • Business High 5 Accounts, that have high interest rates that are set by the independent Moneyfacts, paying the average of the 5 highest rates on the market
  • Business Cheque Accounts, that have consistent interest rates and facilities for salary payments of up to 80 monthly transactions


Broadly speaking, Investec business savings accounts can also be divided into two basic categories:


Deposit Accounts that have very competitive interest rates, but may require customers to wait for a minimum period before money can be withdrawn.


Fixed Term Accounts that offer guaranteed fixed rates of interest, but will usually require customers to deposit a minimum amount before any money can be accessed.


The majority of the business savings accounts that are offered by Investec also come with online banking facilities, providing customers with the freedom to access their money without having to visit their branch directly.