Easy Access

Investec Online Flexi Saver Review

A competitive easy access account from Investec, with a £5,000 minimum deposit. It ranks 54th of 194 easy access accounts we track.

Variable rate

3.79%AER

Rate checked Oct 2026Got this account? Leave a review

Protection

FSCS£120,000

Min balance

£5,000

Max balance

£250,000

Access

Unlimited deposits/withdrawals

Interest paid

Annually

How It Stacks Up

Ranks 54th of 194

Easy access accounts we track

Above average
This account 3.79%
UK CPI (Aug 2026)
3.10%
Pays 0.69% more
Average easy access
2.86%
Pays 0.93% more
Best easy access
5.50%
Pays 1.71% less

Inflation: ONS. Averages and best rates: accounts on DepositScout.

A better-paying alternative

Tembo bank logo

Tembo

HomeSaver

4.55%

AER

  • Pays 0.76% more than this Investec account
  • Instant access, open with £10
Compare Easy Access Accounts

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A Good Fit For

  • Pro: New and existing savers
  • Pro: Savers who want instant access

Worth Weighing Up

  • Con: The rate is variable, so it can go down
  • Con: You need at least £5,000 to open it

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Estimated returns with Investec's Easy Access

What you could earn with Investec's Online Flexi Saver.

Estimated interest

£5,000 saved

£190

At 3.79% AER

£10,000 saved

£379

At 3.79% AER

£50,000 saved

£1,895

At 3.79% AER

£250,000 saved

£9,475

At 3.79% AER

Estimated over one year, if the rate stays the same and interest is left in. Amounts outside the account's minimum or maximum aren't shown.

Work out the tax on your interestSee how much of this interest could be taxed.

Our Expert Opinion on Investec Online Flexi Saver

Jonny PeaseCo-Founder, DepositScout

The Online Flexi Saver pays 3.79%, which beats August 2026 CPI of 3.1% by 0.69%, so at least your money grows in real terms. That said, the rate sits below the easy access market average and 1.21% behind the category leader at 5.00%, so I would not call this competitive. The £5,000 minimum rules out smaller savers, and the £250,000 cap limits larger deposits. If you have less than £5,000, Spring's Easy Saver at 3.82% is worth a look.

2 alternatives to Investec's Online Flexi Saver

Same type of account, closest on rate.

Common questions about the Online Flexi Saver

D

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4.20% AER
4.75%
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