Electronic OptimumPlus Investment Account

Over 55? Secure your money with a once-off investment that's guaranteed to grow.





End of term

What you get

A fixed term of your choice between 1 and 60 months

Higher returns, depending on the size of your investment

Exclusive online rates – for digital clients only


Your capital and earnings are guaranteed.

Depending on your deposit made, you can earn a nominal rate between 2.80% and 9.10%.

The bigger your investment, the higher your returns.

Rates and fees

Zero monthly fees.

No commissions charged.


This account is exclusive to clients aged 55 years and older.

Once invested, your money becomes available at the end of your selected term.

No additional deposits or withdrawals may be made.

This account is available for use on our digital banking channels only and offers even more competitive interest rates.


You can choose to have your interest paid out monthly, quarterly, yearly or at maturity.

Convenience and Control

Open your account easily online or on the Money app.

You can track or manage your account any time on our digital banking channels.

We offer 24/7 support from our Live Chat or tollfree call centre.

At the end of your term you can reinvest your funds on the Money app or Online Banking.


Free SMS alerts on all transactions.

For added security, you can accept or reject withdrawals from your phone in real time.

Affinity contributions

As an added benefit, you can choose a Nedbank affinity to support at no cost to you.

Ready to invest?

Get started

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