South Africa's most awarded private bank, reviewed honestly. We cover fees, eligibility requirements, rewards, and everything you need to decide if Investec is right for you.
A single premium account covering everything, with benefits that match a truly discerning lifestyle.
R675/month covers everything. No per-transaction fees, no ATM charges, no surprises on your statement.
A real person available around the clock, personalised advice, not a call centre queue.
Transact in pounds, dollars, euros and rands on a single Investec Visa, no offshore account needed.
Named Best Private Bank and Wealth Manager in South Africa by the Financial Times for 13 consecutive years.
Use our exclusive referral link to begin your Investec Private Bank Account application. You'll get the full private banking experience — and once you're a client, you can earn R3,750 per referral yourself by introducing qualifying friends and colleagues to Investec.
By applying through our link you are applying directly and securely with Investec. Approval is subject to Investec's eligibility criteria (minimum R800,000 annual income for those over 30; R600,000 for under 30s, with relevant professional qualification). We may earn a referral reward when you open an account. This does not affect the terms, fees, or quality of your account in any way.
A single premium account integrating transacting, saving, investing, travel, and lifestyle, built for professionals who demand more from their bank.
The same world-class private banking experience, at two price points based on your stage of career.
Investec Rewards has no membership fee, no cap on earning, and no expiry. Points that genuinely acknowledge your loyalty, on your terms.
A clear comparison of South Africa's top private banking and premium card offerings for high-income professionals.
| Feature | Investec Private Banking | RMB Private Account | Discovery Purple Card |
|---|---|---|---|
| Monthly fee | R675 all-inclusive | R625/month | R679/month (bundled) + R4,000/yr card fee |
| Income minimum | R800,000 p.a. | R750,000 p.a. | R2.5 million p.a. |
| Young Professional rate | R340/month (under 30) | Not available | Not available |
| Airport lounges | 1,100+ worldwide (unlimited) | 700 via Priority Pass | The Lounge (spend R3,150+/month to qualify) |
| Multi-currency card | Yes (GBP/USD/EUR/ZAR) | No | Forex accounts (USD/GBP/EUR) |
| UK bank account | Yes (add-on) | No | No |
| Dedicated private banker | Yes, 24/7 | Yes | Yes, relationship banker |
| Rewards programme | Investec Rewards | eBucks | Discovery Miles + Vitality Money |
| Points never expire | Yes | Check terms | Expire if not maintained |
| Refer a friend reward | R3,750 per successful referral | Not available | Not available |
| Vehicle finance | Prime minus 1% | Yes | Yes |
Everything you need to know before applying for Investec Private Banking.
Join South Africa's most awarded private bank. Apply in minutes through our secure referral link, no code needed.
Not affiliated with Investec Limited. We may earn a referral reward when you apply via our link. This does not affect your account terms or fees.
Fee changes, new Investec benefits, and honest private banking analysis — straight to your inbox. No spam. Unsubscribe anytime.
Your email is stored securely. We never sell or share your data.