OptimumPlus Investment Account

Over 55? Secure your money with a once-off investment that offers you exclusive interest rates. Available on the Money app or Online Banking only.





End of term

What you get

A risk-free capital investment with great earning potential

A fixed term of your choice between 1 and 60 months

Competitive, market-related interest rates


Your capital and earnings are guaranteed.

You can earn anything between 7.00% and 9.25% monthly.

If you choose to have your interest paid at maturity, you'll stand to earn up to 12.10%.

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.


You can choose to have your interest paid out monthly, every 3, 6 or 12 months, or on maturity.

Convenience and Control

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.


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 get to choose a Nedbank affinity to support at no cost to you.

Ready to invest?

Get started

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