Quick Facts

• Your Investec ID is your SA ID number or passport number
• You don’t need to apply for it separately
• Use it to log into Investec Online and the mobile app
• First-time users need a temporary password from the bank
• Investec monitors your account 24/7 for suspicious activity

What is My Investec ID?

Your Investec ID is simply your identification number. It’s not a new number you need to remember.

Your Investec ID is:

• Your 13-digit South African ID number (if you are a South African citizen)
• Your passport number (if you are not a South African citizen)

This is your username for logging into all Investec digital services. You use it together with your password.

How to Find Your Investec ID

Finding your Investec ID is easy. Here’s what to do:

For South African Citizens:

1. Look at your South African ID card or ID book
2. Find your 13-digit ID number
3. This is your Investec ID

For Non-South African Citizens:

1. Look at your passport
2. Find your passport number
3. This is your Investec ID

✅ First Time Login Guide

If you’re logging in for the first time, follow these steps carefully.

Step 1: Get Your Temporary Password

Before you can log in, you need a temporary password.

• Call the Global Client Support Centre on 0860 110 161
• Tell them you need a temporary password for Investec Online
• They will give you a password that’s valid for 1 hour only
• Write it down immediately

Step 2: Log In to Investec Online

1. Go to www.investec.com
2. Click on “Login” at the top of the page
3. Enter your Investec ID (your SA ID or passport number)
4. Enter the temporary password they gave you
5. Click “Log In”

Step 3: Create Your Own Password

The system will ask you to create a new password. Make it strong and memorable.

• Use at least 8 characters
• Mix letters, numbers, and symbols
• Don’t use your birthday or phone number
• Don’t share your password with anyone

Investec Online vs Investec App

Investec gives you two ways to manage your money online. Both use the same Investec ID.

Feature	Investec Online	Investec App
What is it?	Website on your computer	App on your phone or tablet
Login method	Investec ID + Password	Investec ID + Password or Fingerprint
Best for	Detailed tasks, downloading statements	Quick payments, checking balance
How to get it	Visit www.investec.com	Download from Google Play or Apple Store
Cost	Free (just internet costs)	Free (just data costs)

What You Can Do on Both:

• Check your account balance
• Make payments to other people
• Transfer money between your accounts
• Buy airtime and electricity
• View your transaction history
• Download bank statements
• Manage your Investec cards

✅ Security Features That Protect You

Investec uses many security features to keep your money safe. Here’s what protects you:

1. Biometric Login (Fingerprint or Face Recognition)

On the mobile app, you can use your fingerprint or face instead of typing your password. This is very secure because only you have your fingerprint.

2. In-App Authentication

This feature lets you approve logins using your phone instead of SMS codes. It protects you from SIM swap fraud.

3. 128-Bit Encryption

All your information is scrambled when it travels between your device and Investec’s servers. Nobody can read it except you and the bank.

4. Malware Detection

Investec’s system watches for dangerous software on your device. If they find anything suspicious, they will call you immediately.

5. Account Takeover Monitoring

The bank monitors every login 24/7. If they suspect it’s not really you logging in, they will call to check.

6. Automatic Logout

If you don’t use the app or website for 10 minutes, the system logs you out automatically. This protects you if you forget to log out.

🚨 Scams to Watch Out For in 2025

URGENT WARNING: Banking scams in South Africa increased by 86% in 2024. Digital banking fraud cost South Africans R1.9 billion. Criminals are using new technology to trick even careful people.

1. AI Voice Cloning Scams (NEW THREAT)

Criminals now use artificial intelligence to copy real bank employees’ voices. They call you and sound exactly like your bank. One South African lost R6 million this way.

How to protect yourself:

• Never trust a voice on the phone asking for your password or OTP
• End the call and phone Investec directly on 0860 110 161
• Banks NEVER phone you to ask for passwords or PINs

2. Fake Banking Apps

Scammers create apps that look exactly like the real Investec app. When you log in, they steal your details.

How to protect yourself:

• Only download the Investec app from Google Play Store or Apple App Store
• NEVER download banking apps from WhatsApp, SMS, or email links
• Check the app developer is “Investec Bank Ltd”

3. Phishing SMS and WhatsApp Messages

You receive a message saying your account will be blocked. It has a link to “fix the problem”. The link takes you to a fake website.

How to protect yourself:

• Never click links in SMS or WhatsApp messages about your bank
• Type www.investec.com directly into your browser
• Check the website address carefully – scammers use fake addresses like “investek.com”

4. SIM Swap Fraud

Criminals get a new SIM card in your name. They then receive all your banking SMS messages and OTPs.

How to protect yourself:

• Use In-App authentication instead of SMS for OTPs
• If your phone suddenly stops working, call your network immediately
• Call Investec if you suspect anything strange

5. Fake Investment Schemes

Scammers pretend to be from Investec. They promise you can make quick money by investing. They send you a fake trading app.

How to protect yourself:

• Investec will NEVER contact you out of the blue with investment opportunities
• No investment can guarantee returns
• Always visit a branch to discuss investments face-to-face

⚠️ Common Problems & Solutions

Problem 1: “I Forgot My Password”

Solution:

1. Go to the Investec login page
2. Click “Having trouble logging in?”
3. You can reset using QuickPass (if you set one up before)
4. If QuickPass doesn’t work, call 0860 110 161

Problem 2: “My Account is Locked”

This happens if you enter the wrong password 3 times. It’s a security feature to protect you.

Solution:

• Wait 30 minutes and try again
• Or call the Global Client Support Centre on 0860 110 161
• They will unlock your account immediately

Problem 3: “The App Won’t Open”

Solution:

1. Check you have a good internet connection
2. Update the app from Google Play or Apple Store
3. Clear the app cache in your phone settings
4. Uninstall and reinstall the app
5. If still not working, email online.queries@investec.co.za

Problem 4: “I Can’t Link My Phone to the App”

Solution:

1. Log into Investec Online on a computer first
2. Go to Menu, then select “Investec apps”
3. Follow the steps to link your smartphone
4. You must link your phone before you can use the app

Problem 5: “My Phone Was Stolen”

URGENT: Do this immediately!

1. Call Investec immediately on 0860 110 161
2. Tell them to delink your stolen phone
3. Or log in from another device and delink it yourself
4. Go to Settings → Devices → Unlink the stolen phone
5. Report fraud immediately if you see suspicious transactions

Contact Information

Investec Client Support (24/7)

• South Africa: 0860 110 161
• International: +27 11 286 9663
• Email: online.queries@investec.co.za
• Website: www.investec.com

For Fraud or Suspicious Activity

• Report immediately: 0860 110 161
• Or email: online.queries@investec.co.za
• Available 24 hours a day, 7 days a week

Other Useful Contacts

• SABRIC (Report Banking Scams): 0860 212 007
• Banking Ombudsman: 0860 800 900
• Financial Sector Conduct Authority (FSCA): 0800 110 443

What Does Investec Banking Cost?

Service	Cost
Monthly account fee (standard)	R675
Monthly fee (Young Professionals under 30)	R340
ATM withdrawals (local)	Free unlimited
ATM withdrawals (international)	Free (foreign bank may charge)
Using Investec Online	Free
Using Investec App	Free
Payments and transfers	Included in monthly fee

✅ How Investec Compares to Other Banks

Investec is Different From Other Banks:

• Target market: Investec is for people who earn more money. It’s called “private banking”.
• Service level: You get a personal banker who knows you and your needs.
• Costs: Monthly fees are higher than Capitec, FNB, or Standard Bank.
• Benefits: Unlimited free ATM withdrawals, rewards programme, airport lounge access.
• International banking: Easy to manage foreign currency and travel.

Consider These Alternatives If:

• You earn under R10,000 per month → Consider Capitec or TymeBank
• You want lower monthly fees → FNB, Standard Bank, or ABSA
• You do basic banking only → Capitec Global One account (R6.50/month)
• You rarely use a bank → TymeBank (R0/month for basic account)

Your Investec ID is simply your SA ID number or passport number. You don’t need to remember any new numbers.

For first-time login: Call 0860 110 161 to get your temporary password. It’s valid for 1 hour only, so use it immediately.

Security is critical in 2025. Digital banking fraud increased 86% in South Africa. Always be suspicious of anyone asking for your password, PIN, or OTP – even if they sound like your bank.

Use biometric login (fingerprint or face recognition) on the app. It’s much more secure than typing passwords.

Never download banking apps from WhatsApp, SMS, or email links. Only use Google Play Store or Apple App Store.

If something feels wrong, trust your instincts. Call Investec directly on 0860 110 161. It’s better to check and be safe than to lose your money.