Access Bank Plc Fixed Deposit Review for July 2025

Last updated 1st July 2025 by Walter

Introduction

This page summarises all the fixed deposits offered by Access Bank Plc. All the rates shown are sourced from the Access Bank Plc website - southafrica.accessbankplc.com. All rates shown on this page have been converted to nominal and effective annual rates! This allows you to compare rates across all banks. Yippee!

The Access Bank Plc fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.

Access Bank Plc fixed deposits highlights

last updated 1st July 2025 by Walter

R500
min deposit
9.22%
best rate

Here are Access Bank Plc's best fixed deposit rates

The best interest rate you can get at Access Bank Plc is 9.22% for the 60-month fixed deposit. You will need a minimum deposit of R500 .

Here are Access Bank Plc's five best fixed deposit interest rates:

# Min deposit Term Nominal
P
only individuals older than 55 qualify

Access Bank Plc 3 month fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+7.57% 7.13%
+
11
R10,000 for 55+7.57% 7.16%
+
10
R100,000 for 18+7.57% 7.21%
+
90
R100,000 for 55+7.57% 7.25%
+
82
R250,000 for 18+7.57% 7.23%
+
218
R250,000 for 55+7.57% 7.31%
+
167
R1,000,000 for 18+7.57% 7.31%
+
653
R1,000,000 for 55+7.57% 7.39%
+
455
R5,000,000 for 18+7.57% 7.32%
+
3,196
R5,000,000 for 55+7.57% 7.37%
+
2,561
How to read this table?

You get a 7.57% interest rate at Access Bank Plc for a R10,000 investment in a 3 month fixed deposit (if you are older than 18). The industry average is 7.13%. Over 3 months you will earn R11 more in interest at Access Bank Plc compared to the average bank.

Access Bank Plc 6 month fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+7.90% 7.41%
+
25
R10,000 for 55+7.90% 7.40%
+
26
R100,000 for 18+7.90% 7.45%
+
229
R100,000 for 55+7.90% 7.48%
+
217
R250,000 for 18+7.90% 7.44%
+
590
R250,000 for 55+7.90% 7.53%
+
479
R1,000,000 for 18+7.90% 7.50%
+
2,036
R1,000,000 for 55+7.90% 7.59%
+
1,563
R5,000,000 for 18+7.90% 7.53%
+
9,563
R5,000,000 for 55+7.90% 7.58%
+
8,238
How to read this table?

You get a 7.9% interest rate at Access Bank Plc for a R10,000 investment in a 6 month fixed deposit (if you are older than 18). The industry average is 7.41%. Over 6 months you will earn R25 more in interest at Access Bank Plc compared to the average bank.

Access Bank Plc 1 year fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+8.34% 7.59%
+
80
R10,000 for 55+8.34% 7.66%
+
74
R100,000 for 18+8.34% 7.74%
+
654
R100,000 for 55+8.34% 7.78%
+
608
R250,000 for 18+8.34% 7.75%
+
1,586
R250,000 for 55+8.34% 7.85%
+
1,325
R1,000,000 for 18+8.34% 7.80%
+
5,821
R1,000,000 for 55+8.34% 7.92%
+
4,520
R5,000,000 for 18+8.34% 7.83%
+
27,545
R5,000,000 for 55+8.34% 7.92%
+
22,731
How to read this table?

You get a 8.34% interest rate at Access Bank Plc for a R10,000 investment in a 1 year fixed deposit (if you are older than 18). The industry average is 7.59%. Over 12 months you will earn R80 more in interest at Access Bank Plc compared to the average bank.

Access Bank Plc 2 year fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+8.43% 7.59%
+
198
R10,000 for 55+8.43% 7.64%
+
185
R100,000 for 18+8.43% 7.74%
+
1,630
R100,000 for 55+8.43% 7.74%
+
1,628
R250,000 for 18+8.43% 7.79%
+
3,766
R250,000 for 55+8.43% 7.80%
+
3,707
R1,000,000 for 18+8.43% 7.84%
+
13,983
R1,000,000 for 55+8.43% 7.88%
+
12,989
R5,000,000 for 18+8.43% 7.85%
+
68,454
R5,000,000 for 55+8.43% 7.85%
+
67,998
How to read this table?

You get a 8.43% interest rate at Access Bank Plc for a R10,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 7.59%. Over 2 years you will earn R198 more in interest at Access Bank Plc compared to the average bank.

Access Bank Plc 3 year fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+8.52% 7.73%
+
307
R10,000 for 55+8.52% 7.78%
+
284
R100,000 for 18+8.52% 7.91%
+
2,379
R100,000 for 55+8.52% 7.89%
+
2,430
R250,000 for 18+8.52% 7.97%
+
5,394
R250,000 for 55+8.52% 7.96%
+
5,427
R1,000,000 for 18+8.52% 8.00%
+
20,248
R1,000,000 for 55+8.52% 8.03%
+
18,932
R5,000,000 for 18+8.52% 8.02%
+
98,365
R5,000,000 for 55+8.52% 7.98%
+
101,604
How to read this table?

You get a 8.52% interest rate at Access Bank Plc for a R10,000 investment in a 3 year fixed deposit (if you are older than 18). The industry average is 7.73%. Over 3 years you will earn R307 more in interest at Access Bank Plc compared to the average bank.

Access Bank Plc 5 year fixed deposit

This table shows Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit versus the industry average.

Investment amount Nominal Industry average1 Earnings vs average2
R10,000 for 18+9.22% 8.41%
+
636
R10,000 for 55+9.22% 8.41%
+
633
R100,000 for 18+9.22% 8.54%
+
5,314
R100,000 for 55+9.22% 8.50%
+
5,621
R250,000 for 18+9.22% 8.60%
+
12,223
R250,000 for 55+9.22% 8.56%
+
12,879
R1,000,000 for 18+9.22% 8.66%
+
43,887
R1,000,000 for 55+9.22% 8.65%
+
44,251
R5,000,000 for 18+9.22% 8.65%
+
225,286
R5,000,000 for 55+9.22% 8.53%
+
264,039
How to read this table?

You get a 9.22% interest rate at Access Bank Plc for a R10,000 investment in a 5 year fixed deposit (if you are older than 18). The industry average is 8.41%. Over 5 years you will earn R636 more in interest at Access Bank Plc compared to the average bank.