the Investec Private bank account designed for you
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1 the Investec Private bank account designed for you
2 welcome The Private bank account was designed with one key attribute in mind; always working hard for you and your money. Not only through the benefits of the account, but also by the service levels and personal attention we provide. Everything we offer is what you would expect from this kind of account, and some unexpected features, which we believe you will come to find indispensable. We have also been careful to exclude anything that you would find frivolous, pointless or irritating. The Private bank account is exclusively available to those earning 75,000 or more a year. And you ll get all the benefits for a monthly fee of just 10. We look forward to welcoming you as an Investec Private bank account client, where you will receive the benefits you demand, with the service you deserve. Yours sincerely, Wayne Preston Head of Banking 2
3 contents the benefits you demand 4 the service you deserve 8 3
4 the benefits you demand Interest paid on the money you ve spent on your Investec card, even after it s left your account A generous interest rate of 0.25% AER* variable on your entire balance with no caps or tiers An overdraft with a competitive interest rate of Bank of England base rate + 8% variable, available on application No hidden fees or charges Currency conversion fee capped at 2% Representative example (based on an arranged overdraft limit of 1,200): 7.26% EAR (variable) 4
5 with our Private bank account, you receive a host of benefits designed to make the most of your money Up to 30 days interest on Investec card spending We keep paying interest on the money you ve spent on your Investec card, right up to your next statement date. That means you could benefit from up to 30 days interest every single month. Uncapped interest on your entire balance We pay a generous interest rate of 0.25% AER* variable on your entire balance. And because there are no caps or tiers in place, every single pound will be working as hard as possible for you. *AER stands for the Annual Equivalent Rate and illustrates what the interest rate would be if interest was paid and compounded once a year. The AER is intended to be an indicative rate to help you compare the return on different savings products. Interest is variable and is paid monthly. Rates correct as at 14 July
6 Competitive overdrafts available You can apply to add an overdraft to your account if you would like one. We offer a competitive interest rate of Bank of England base rate + 8% variable. If spending on your Investec card takes you into your overdraft, and you ensure your account is back in credit before your next statement date, we won t charge you interest on that borrowing. There are no renewal, arrangement or usage charges either, so all that s added is more financial flexibility. Representative example (based on an arranged overdraft limit of 1,200): 7.26% EAR (variable) A 10 monthly account fee For an all-inclusive monthly account fee you get all the outstanding benefits of private banking. You simply pay the transparent fee of 10 a month, and we don t add any additional charges or fees. No charges for: CHAPS payments/faster payments Stopping cheques Duplicate statements Electronic transfers Banker s drafts International payments ATM usage abroad 6
7 Exceptional benefits, all over the world It doesn t matter if you re away for business or pleasure, you should be able to enjoy using your Investec card without worrying about the added costs. That s why we ve capped our currency conversion fee at just 2%. And to give you more fi nancial fl exibility while you re away, we won t charge you for ATM withdrawals and we ve set our daily withdrawal limit at 1,000. 7
8 the service you deserve A dedicated team empowered to help you 24/7/365 Simple, straightforward access to other services offered by Investec such as foreign exchange services and savings Telephone, online and mobile banking Worldwide emergency assistance Fraud prevention text alerts We make transferring your existing bank account to an Investec Private bank account as simple as possible Fee-free international transfers using our dedicated Foreign Exchange team 8
9 with our Private bank account, you receive an exceptional level of service you can always rely on A dedicated team of specialists When you take out a Private bank account, you also get a small, dedicated team available 24 hours a day, 7 days a week, 365 days a year. Every member of the team is empowered to help you whether that s a simple account query or something more involved such as making a CHAPS payment seamlessly. And because you ll speak to the same team member for the entire call, you won t have to navigate between endless menus or be passed from one department to another. You ll just get expert advice, exactly when you need it. The world of private banking at your fingertips As a Private bank account client, you ll gain access to the full world of private banking from Investec. We can put you in touch with experts in anything from wealth management and investments to offshore banking and savings. Our foreign exchange service is fee-free and stress-free. You ll be able to make foreign exchange transactions online and over the phone as well as benefitting from same day settlement for USD, EUR and GBP payments. And because you have a Private bank account, any foreign exchange payments into or out of your account are fee-free. 9
10 Instant online and mobile banking services When you open a Private bank account, we ll set you up with immediate access to your account through online and mobile banking. You ll also be able to download the Investec App which allows you to bank on the move. It has been designed to make banking more convenient, with innovative features such as Touch ID authentication and the ability to add new payees on the move. Text alerts to prevent fraud and keep your account safe Our text alert service is the best way to help protect your account against fraud and to keep your money safe. That s why, whenever there s been a significant transaction on your Investec card or activity on your account, we ll send you a text alert so you can stay in full control of your money. Emergency assistance anywhere in the world If you ve lost your card, or had it stolen, there s no need to worry. We ll arrange a replacement card for you as soon as possible, and get it out to you wherever you are in the world. We can even get emergency cash to you if you need it so you can continue to enjoy your trip as if nothing has happened. A simple, straightforward transfer process We make transferring your standing orders and direct debits to your Private bank account as simple as possible. Our proactive team will monitor your account to ensure standing orders and direct debits are transferred smoothly and will advise you if you need to take any additional action. 10
11 apply for your Private bank account today Opening an account is as straightforward as our approach to private banking. Simply complete the application form at, or if you have any questions, give us a call on (or if calling from outside the UK). 11
12 Investec Call us on or if you re outside the UK Investec Private Banking is a brand name of Investec Bank plc of 2 Gresham Street, London EC2V 7QP, which is registered in England under company number Investec Bank plc is authorised by the Prudential Regulation Authority and regulated by the Financial Conduct Authority and the Prudential Regulation Authority and is a member of the London Stock Exchange. B-PBA-01
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