Capitec Fixed Deposit Review for July 2025
Introduction
This page summarises all the fixed deposits offered by Capitec. All the rates shown are sourced from the Capitec website - capitec.co.za. 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 Capitec fixed deposit interest calculator, allows you to calculate how much interest you will earn for your age, investment amount and term.
Capitec fixed deposits highlights
last updated 1st July 2025 by Walter
Here are Capitec's best fixed deposit rates
The best interest rate you can get at Capitec is 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
Here are Capitec's five best fixed deposit interest rates:
| # | Min deposit | Term | Nominal | Effective |
|---|
Capitec 6 month fixed deposit
This table shows Capitec'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+ | 7.35% | 7.47% | - -6 |
| R10,000 for 55+ | 7.35% | 7.44% | - -5 |
| R100,000 for 18+ | 7.39% | 7.49% | - -51 |
| R100,000 for 55+ | 7.39% | 7.51% | - -60 |
| R250,000 for 18+ | 7.44% | 7.47% | - -42 |
| R250,000 for 55+ | 7.44% | 7.56% | - -150 |
| R1,000,000 for 18+ | 7.53% | 7.53% | + 26 |
| R1,000,000 for 55+ | 7.53% | 7.62% | - -439 |
| R5,000,000 for 18+ | 7.53% | 7.56% | - -672 |
| R5,000,000 for 55+ | 7.53% | 7.61% | - -1,865 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.35% | 7.47% | - -6 |
| R10,000 for 55+ | 7.35% | 7.44% | - -5 |
| R100,000 for 18+ | 7.39% | 7.49% | - -51 |
| R100,000 for 55+ | 7.39% | 7.51% | - -60 |
| R250,000 for 18+ | 7.44% | 7.47% | - -42 |
| R250,000 for 55+ | 7.44% | 7.56% | - -150 |
| R1,000,000 for 18+ | 7.53% | 7.53% | + 26 |
| R1,000,000 for 55+ | 7.53% | 7.62% | - -439 |
| R5,000,000 for 18+ | 7.53% | 7.56% | - -672 |
| R5,000,000 for 55+ | 7.53% | 7.61% | - -1,865 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Capitec.
You get a 7.35% interest rate at Capitec for a R10,000 investment in a 6 month fixed deposit (if you are older than 18). The industry average is 7.47%. Over 6 months you will earn R6 less in interest at Capitec compared to the average bank.
Capitec 1 year fixed deposit
This table shows Capitec'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+ | 7.44% | 7.69% | - -27 |
| R10,000 for 55+ | 7.44% | 7.73% | - -31 |
| R100,000 for 18+ | 7.49% | 7.80% | - -337 |
| R100,000 for 55+ | 7.49% | 7.84% | - -373 |
| R250,000 for 18+ | 7.53% | 7.81% | - -745 |
| R250,000 for 55+ | 7.53% | 7.91% | - -995 |
| R1,000,000 for 18+ | 7.63% | 7.85% | - -2,429 |
| R1,000,000 for 55+ | 7.63% | 7.97% | - -3,693 |
| R5,000,000 for 18+ | 7.63% | 7.90% | - -14,455 |
| R5,000,000 for 55+ | 7.63% | 7.98% | - -18,731 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.44% | 7.69% | - -27 |
| R10,000 for 55+ | 7.44% | 7.73% | - -31 |
| R100,000 for 18+ | 7.49% | 7.80% | - -337 |
| R100,000 for 55+ | 7.49% | 7.84% | - -373 |
| R250,000 for 18+ | 7.53% | 7.81% | - -745 |
| R250,000 for 55+ | 7.53% | 7.91% | - -995 |
| R1,000,000 for 18+ | 7.63% | 7.85% | - -2,429 |
| R1,000,000 for 55+ | 7.63% | 7.97% | - -3,693 |
| R5,000,000 for 18+ | 7.63% | 7.90% | - -14,455 |
| R5,000,000 for 55+ | 7.63% | 7.98% | - -18,731 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Capitec.
You get a 7.44% interest rate at Capitec for a R10,000 investment in a 1 year fixed deposit (if you are older than 18). The industry average is 7.69%. Over 12 months you will earn R27 less in interest at Capitec compared to the average bank.
Capitec 2 year fixed deposit
This table shows Capitec'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+ | 7.53% | 7.71% | - -36 |
| R10,000 for 55+ | 7.53% | 7.73% | - -42 |
| R100,000 for 18+ | 7.58% | 7.82% | - -520 |
| R100,000 for 55+ | 7.58% | 7.80% | - -484 |
| R250,000 for 18+ | 7.63% | 7.87% | - -1,315 |
| R250,000 for 55+ | 7.63% | 7.86% | - -1,284 |
| R1,000,000 for 18+ | 7.72% | 7.90% | - -3,988 |
| R1,000,000 for 55+ | 7.72% | 7.93% | - -4,662 |
| R5,000,000 for 18+ | 7.72% | 7.93% | - -22,151 |
| R5,000,000 for 55+ | 7.72% | 7.90% | - -21,234 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.53% | 7.71% | - -36 |
| R10,000 for 55+ | 7.53% | 7.73% | - -42 |
| R100,000 for 18+ | 7.58% | 7.82% | - -520 |
| R100,000 for 55+ | 7.58% | 7.80% | - -484 |
| R250,000 for 18+ | 7.63% | 7.87% | - -1,315 |
| R250,000 for 55+ | 7.63% | 7.86% | - -1,284 |
| R1,000,000 for 18+ | 7.72% | 7.90% | - -3,988 |
| R1,000,000 for 55+ | 7.72% | 7.93% | - -4,662 |
| R5,000,000 for 18+ | 7.72% | 7.93% | - -22,151 |
| R5,000,000 for 55+ | 7.72% | 7.90% | - -21,234 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Capitec.
You get a 7.53% interest rate at Capitec for a R10,000 investment in a 2 year fixed deposit (if you are older than 18). The industry average is 7.71%. Over 2 years you will earn R36 less in interest at Capitec compared to the average bank.
Capitec 3 year fixed deposit
This table shows Capitec'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+ | 7.58% | 7.85% | - -94 |
| R10,000 for 55+ | 7.58% | 7.87% | - -104 |
| R100,000 for 18+ | 7.63% | 8.00% | - -1,342 |
| R100,000 for 55+ | 7.63% | 7.96% | - -1,213 |
| R250,000 for 18+ | 7.67% | 8.05% | - -3,428 |
| R250,000 for 55+ | 7.67% | 8.02% | - -3,210 |
| R1,000,000 for 18+ | 7.77% | 8.08% | - -11,193 |
| R1,000,000 for 55+ | 7.77% | 8.09% | - -11,850 |
| R5,000,000 for 18+ | 7.77% | 8.10% | - -60,430 |
| R5,000,000 for 55+ | 7.77% | 8.05% | - -54,303 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 7.58% | 7.85% | - -94 |
| R10,000 for 55+ | 7.58% | 7.87% | - -104 |
| R100,000 for 18+ | 7.63% | 8.00% | - -1,342 |
| R100,000 for 55+ | 7.63% | 7.96% | - -1,213 |
| R250,000 for 18+ | 7.67% | 8.05% | - -3,428 |
| R250,000 for 55+ | 7.67% | 8.02% | - -3,210 |
| R1,000,000 for 18+ | 7.77% | 8.08% | - -11,193 |
| R1,000,000 for 55+ | 7.77% | 8.09% | - -11,850 |
| R5,000,000 for 18+ | 7.77% | 8.10% | - -60,430 |
| R5,000,000 for 55+ | 7.77% | 8.05% | - -54,303 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Capitec.
You get a 7.58% interest rate at Capitec for a R10,000 investment in a 3 year fixed deposit (if you are older than 18). The industry average is 7.85%. Over 3 years you will earn R94 less in interest at Capitec compared to the average bank.
Capitec 5 year fixed deposit
This table shows Capitec'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+ | 8.00% | 8.54% | - -397 |
| R10,000 for 55+ | 8.00% | 8.51% | - -375 |
| R100,000 for 18+ | 8.09% | 8.63% | - -4,018 |
| R100,000 for 55+ | 8.09% | 8.57% | - -3,567 |
| R250,000 for 18+ | 8.19% | 8.68% | - -9,234 |
| R250,000 for 55+ | 8.19% | 8.63% | - -8,249 |
| R1,000,000 for 18+ | 8.28% | 8.74% | - -34,421 |
| R1,000,000 for 55+ | 8.28% | 8.72% | - -32,853 |
| R5,000,000 for 18+ | 8.28% | 8.74% | - -172,281 |
| R5,000,000 for 55+ | 8.28% | 8.61% | - -127,504 |
| Investment amount | Nominal | Industry average1 | Earnings vs average2 |
|---|---|---|---|
| R10,000 for 18+ | 8.00% | 8.54% | - -397 |
| R10,000 for 55+ | 8.00% | 8.51% | - -375 |
| R100,000 for 18+ | 8.09% | 8.63% | - -4,018 |
| R100,000 for 55+ | 8.09% | 8.57% | - -3,567 |
| R250,000 for 18+ | 8.19% | 8.68% | - -9,234 |
| R250,000 for 55+ | 8.19% | 8.63% | - -8,249 |
| R1,000,000 for 18+ | 8.28% | 8.74% | - -34,421 |
| R1,000,000 for 55+ | 8.28% | 8.72% | - -32,853 |
| R5,000,000 for 18+ | 8.28% | 8.74% | - -172,281 |
| R5,000,000 for 55+ | 8.28% | 8.61% | - -127,504 |
- 1 industry average refers to the average interest rate across all other banks
- 2 the amount of interest you will be able earn over and above the average.
A negative amount means that the average bank in South africa will give you more than Capitec.
You get a 8% interest rate at Capitec for a R10,000 investment in a 5 year fixed deposit (if you are older than 18). The industry average is 8.54%. Over 5 years you will earn R397 less in interest at Capitec compared to the average bank.