Financial firm Investec offers a range of exclusive financial products for high net worth individuals. To qualify you will need to meet strict eligibility criteria.
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Investec has 4 private bank accounts and all require that you have a minimum annual salary of £300,000 and a net worth of £3 million. You must also be a UK resident.
Voyage account
This account offers a flexible arranged overdraft facility and won’t charge you for sending or receiving money from in or outside the UK. You’ll have your own dedicated private banker to help manage your individual banking needs, and access to emergency assistance and fraud protection. The account also offers unlimited lounge access for you and a guest at any airport lounge in the DragonPass network, plus global family travel insurance and fast track access through airport security. There are no fees for using your debit card abroad in certain countries. The account has a £500 annual fee.
Private account
With this account you can talk to a team of specialists 24/7 for all your banking needs, get emergency assistance whether you’re home or abroad, and access online and mobile banking. There are also no fees for using your debit card abroad in certain countries. The account has a £10 monthly fee.
Currency access account
This account is designed to make sending money abroad quick and easy and can help you in countries where it’s difficult to open a local account. It lets you transfer funds in all major currencies, plus hold funds in more than 15 different currencies free of charge. You’ll earn interest on your balance and don’t need to provide notice to access your money.
Offshore account
This account is offered by Investec in the Channel Islands and comes with a Platinum Visa debit card to let you transact in Sterling, Dollars and Euros. You can send money electronically through SWIFT and make payments and international transfers.
Benefits of opening an account with Investec
Range of options. Choose from a number of accounts, including currency and offshore options.
No foreign transaction fees. When you use your debit card in certain countries, these fees will be waived.
Specialist support. You’ll have access to a dedicated private banker or team of specialists for all your banking needs.
Extra perks. The Voyage account offers benefits such as travel insurance and airport lounge access.
Emergency assistance. You can get help at home or abroad for emergencies such as a lost or stolen card.
How to open an account
To open an Investec account you will need to fill in an online form and provide details including your name, phone number, email address, profession and total income. A private banker will then get in touch with you to discuss your requirements and establish a private banking service designed to suit your needs.
You will need to supply proof of ID, such as a passport or driving licence, and proof of address, such as utility bill or mortgage statement.
Is Investec safe?
Yes, if you bank with Investec, eligible deposits will be protected under the Financial Services Compensation Scheme (FSCS). This means up to £120,000 per person per financial institution is protected in the event the bank goes bust.
Pros and cons
Pros
Exclusive banking benefits
No foreign transaction fees in certain countries
Emergency assistance
FSCS protection
Cons
For high net worth individuals only
Monthly or annual account fees may apply
Customer service information for Investec
Email support
Telephone support
In-app or live chat
Contact form
Branch support
Our verdict
If you earn enough and you’re looking for an exclusive bank account with benefits tailored to you, the accounts on offer from Investec could be well worth considering.
However, if you don’t qualify or you’re after a more straightforward account with no monthly or annual fees, you’ll need to look elsewhere.
Frequently asked questions
You can manage your account online, via the Investec app or over the phone.
Yes, Investec is part of the Current Account Switch Service which means your switch should be completed within 7 working days. Investec will manage the switch for you, free of charge.
Yes, Invetec offers both sole accounts and joint accounts. For a joint account, you must supply proof of identity and proof of address for both applicants.
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Rachel Wait is a freelance journalist and has been writing about personal finance for more than a decade, covering everything from insurance to mortgages. She has written for a range of personal finance websites and national newspapers, including The Observer, The Mail on Sunday, The Sun and the Evening Standard. Rachel is a keen baker in her spare time.
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