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We help you select the right solution to save and invest for your future, taking into consideration everything from your risk appetite (low risk or high) to the term you want to invest for. The first step is to decide how cautious or bold you want to be with your money.

Low-risk investments

Choosing a low-risk investment is a cautious route that could benefit you if you are a first-time investor looking to see how various markets or products work, and what benefit you get out of your investment.

  • Savings plans

    A great way to save for a specific goal, savings plans have different features — such as tiered interest rates or easy access to your money — to suit your specific needs.

    Islamic TargetSave

    • Opening deposit of R100
    • Compliant with Shari’ah law
    • No service or administration fees
    • Access to your money with 32 days’ notice

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    FuturePlan

    • Opening deposit of R100
    • Tiered interest rates — the more you save, the more interest you earn
    • Many people can contribute towards your chosen savings’ goal e.g., your child’s education
    • No bank charges or admin fees
    • Earn an additional Absa contribution of 3,5% per month in interest (capped at R1 000)

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    Notice Select

    • Opening deposit of R1 000
    • Make additional deposits at any time
    • Invest for at least seven days
    • No monthly administration fees
    • You select your own notice period to access your money. Choose from 7-, 15-, 32- or 45-days’ notice
    • Earn a highly competitive rate on the 45-day notice period
    • Enjoy immediate access to a portion of your funds depending on the % access selected.
    • Choose to have access of either 10% or 50% or place all your funds under notice with 0% access
    • Earn additional interest with the Absa Digital Bonus Rate

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  • Tax-free accounts

    Invest in a specially designed tax-free savings product so that you can get the most benefit from your annual tax-free allowance.

    Tax Free Fixed Deposit

    • Minimum once off opening deposit of R30 000
    • Maximum deposit is limited to a once off R36 000 except if you are transferring from one tax-free account from another institution to ours
    • Investment is fixed for 12 months
    • No tax is payable on the interest earned
    • Interest is payable on maturity

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    Tax Free Savings

    • Opening deposit of R1 000
    • Tiered interest rates
    • Don't pay tax on your returns
    • Save up to R36 000 per year tax free
    • 40% penalty on access balance
    • Immediate access to your money
    • Earn additional interest with the Absa Digital Bonus Rate

    Apply now

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    Tax Free Investment Account

    • Opening deposit of R5 000
    • Don’t pay tax on your returns
    • Invest in unit trusts, exchange traded funds and wrap portfolios
    • A choice of various funds to meet your risk appetite
    • Earn additional interest when you open and manage your account digitally

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  • Term deposit

    Ideal if you want a higher investment return for a fixed investment period and exclusive rates on specific terms for Senior customers from the ages of 55 years and older.

    Dynamic Fixed Deposit

    • Opening deposit of R1 000
    • Opening deposit to access your interest upfront is R100 000.01
    • No monthly administration fees
    • Choice of either a fixed interest rate for guaranteed returns or an interest rate linked to prime
    • Choose to have access to up to 50% of your funds anytime during your investment term.
    • Ideal if you want higher investment returns with or without immediate access to a portion of your money

    Apply now

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    Islamic Term Deposit

    • Opening deposit of R1 000
    • Shari'ah-compliant
    • Choose an investment term that suits your needs from 8 days to 60 months
    • Select a profit share payment frequency that is suitable to you, either monthly, quarterly, half-yearly, annually or on maturity
    • No monthly fees

     

     

    Apply now

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    Fixed Deposit

    • Opening deposit of R1 000
    • Fixed interest rate for your investment term
    • Choose an investment term from 8 days to 60 months that suits you needs
    • Select a interest payment frequency that is suitable to you, either monthly, quarterly, half-yearly, annually or on maturity

     

     

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  • Easy access

    An ideal way to save, but still have access to your money immediately if you need it for an emergency.

    Cash Invest Tracker 

    • Minimum deposit of R100 000
    • The interest rate is linked to Prime and other market factors
    • Immediate access to your funds
    • Unlimited inter-account transfers
    • No monthly management fee

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    Depositor Plus

    • Opening deposit of R15  000
    • The more you save, the more interest you will earn
    • Immediate access to your money
    • Earn additional interest with the Absa Digital Bonus Rate

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    TruSave

    • Opening deposit of R50
    • Add to your savings when you are able
    • No monthly administration fees
    • Immediate access to your money
    • Earn additional interest with the Absa Digital Bonus Rate

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  • Share trading and investing

    A low-cost alternative to actively managed funds, ETFs track the performance of specific sectors, indices or assets.

    Absa Stockbrokers and Portfolio Management

    • Invest and trade in equities and exchange traded funds locally and offshore in over 20 exchanges
    • No minimum amount to start — debit orders from a minimum of R250
    • With over R250 000 to invest, a portfolio manager can help you
    • Invest in a tax-free savings account, for local and offshore exposure
    • No age limit

    Apply now

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You can also get an overview of all our products here:

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