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What you get
Earn interest at a fixed rate over a term of 1 to 60 months
Easy access to your money within a minimum of 24 hours
Up to 3 withdrawals during your investment period
Growth
Your capital and earnings are guaranteed.
You’ll earn more interest as your money grows.
You can earn anything between 7.70% and 9.00% monthly.
If you choose to have your interest paid at maturity, you'll stand to earn up to 11.31%.
The higher your account balance the more you'll earn.
Rates and fees
Zero monthly fees.
No commissions charged.
Access
You can access your funds within a minimum of 24 hours whenever you need them.
You can make up to 3 withdrawals of R10,000 or more with no impact on your interest rate.
Your total withdrawals may not exceed 30% of original capital.
This is a once-off investment and no additional deposits may be made.
Flexibility
You can choose to have your interest paid out monthly, every 3, 6 or 12 months, or on maturity.
You can select a fixed-investment term from 1 to 60 months.
At the end of your term you’ll also be able to reinvest your funds on our digital banking channels.
Convenience and Control
Security
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.
See frequently asked questions on Investment Products.
Ready to invest?
Get startedOther accounts you may like
Electronic Fixed Deposit
Invest a lump sum over a fixed term of your choice and enjoy great gains. Available on our digital banking channels only.
Zero
7.10–10.62 %
R1,000
End of term
Electronic OptimumPlus
Over 55? Secure your money with a once-off investment that's guaranteed to grow. Exclusive online interest rates!
Zero
7.40 – 11.31 %
R1,000
End of term
JustInvest
Earn up to 7.95% interest for the first three months when you open, switch to or reinvest in a JustInvest account between now and 31 August 2025.
Zero
6.05 – 7.95 %
R500
Min 24 hours
See our product comparisons and disclosures here.
