Absa vs Access Bank Plc

Interest rates compared

Last updated 2nd October 2026 by Walter

Introduction

This fixed deposit comparison page compares Absa interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the Absa and Access Bank Plc websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd October 2026.

How do Absa fixed deposit interest rates compare to Access Bank Plc ?

You are more likely to find better interest rates at Absa than Access Bank Plc. Specifically, 100 out of 100 interest rates are better at Absa than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 0% of the time. (PS this was done by comparing all the interest rates on offer for different terms, investment amounts and age groups. Only terms which are offered by both banks are included in the comparison)

Absa
8.05%
best rate
Access Bank Plc
5.50%
best rate

The best interest rate you can get at Absa is 8.05% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at Access Bank Plc, the best interest rate you can get is 5.5% for the 18-month fixed deposit. You will need a minimum deposit of R0 .

But how do interest rates at Absa compare to Access Bank Plc across different terms and investment amounts?

1 month fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 month fixed deposit.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
6.20%
5.25%
+
8
R100,000 for 18+
6.30%
5.25%
+
88
R250,000 for 18+
6.30%
5.25%
+
219
R1,000,000 for 18+
6.35%
5.25%
+
917
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 6.35% interest rate at Absa for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.25%. Over 1 months you will earn R917 more in interest at Absa compared Access Bank Plc.

2 month fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 month fixed deposit.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
5.90%
5.30%
+
10
R100,000 for 18+
6.00%
5.30%
+
117
R250,000 for 18+
6.00%
5.30%
+
293
R1,000,000 for 18+
6.05%
5.30%
+
1,256
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 6.05% interest rate at Absa for a R1,000,000 investment in a 2 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 2 months you will earn R1,256 more in interest at Absa compared Access Bank Plc.

3 month fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
6.20%
5.30%
+
23
R100,000 for 18+
6.25%
5.30%
+
240
R250,000 for 18+
6.25%
5.30%
+
599
R1,000,000 for 18+
6.35%
5.30%
+
2,651
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 6.35% interest rate at Absa for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 3 months you will earn R2,651 more in interest at Absa compared Access Bank Plc.

6 month fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
6.80%
5.30%
+
77
R100,000 for 18+
7.10%
5.30%
+
923
R250,000 for 18+
7.10%
5.30%
+
2,309
R1,000,000 for 18+
7.10%
5.30%
+
9,235
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.1% interest rate at Absa for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 6 months you will earn R9,235 more in interest at Absa compared Access Bank Plc.

9 month fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
6.65%
5.30%
+
105
R100,000 for 18+
7.15%
5.30%
+
1,446
R250,000 for 18+
7.15%
5.30%
+
3,615
R1,000,000 for 18+
7.15%
5.30%
+
14,461
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.15% interest rate at Absa for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 9 months you will earn R14,461 more in interest at Absa compared Access Bank Plc.

1 year fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
7.10%
5.30%
+
191
R100,000 for 18+
7.60%
5.30%
+
2,440
R250,000 for 18+
7.60%
5.30%
+
6,099
R1,000,000 for 18+
7.60%
5.30%
+
24,397
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 12 months you will earn R24,397 more in interest at Absa compared Access Bank Plc.

1.5 year fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1.5 year fixed deposit.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
7.30%
5.50%
+
296
R100,000 for 18+
7.50%
5.50%
+
3,289
R250,000 for 18+
7.50%
5.50%
+
8,222
R1,000,000 for 18+
7.60%
5.50%
+
34,555
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 1.5 years you will earn R34,555 more in interest at Absa compared Access Bank Plc.

2 year fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
7.50%
5.50%
+
453
R100,000 for 18+
7.50%
5.50%
+
4,529
R250,000 for 18+
7.50%
5.50%
+
11,324
R1,000,000 for 18+
7.60%
5.50%
+
47,605
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.6% interest rate at Absa for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 2 years you will earn R47,605 more in interest at Absa compared Access Bank Plc.

3 year fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
7.50%
5.50%
+
725
R100,000 for 18+
7.60%
5.50%
+
7,623
R250,000 for 18+
7.60%
5.50%
+
19,058
R1,000,000 for 18+
7.80%
5.50%
+
83,739
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 7.8% interest rate at Absa for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 3 years you will earn R83,739 more in interest at Absa compared Access Bank Plc.

5 year fixed deposit interest rates compared

Absa vs Access Bank Plc

This table shows Absa's and 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.

Investment amount Absa1Access Bank Plc1 Winner 2
R10,000 for 18+
7.70%
5.50%
+
1,521
R100,000 for 18+
7.90%
5.50%
+
16,676
R250,000 for 18+
7.90%
5.50%
+
41,690
R1,000,000 for 18+
8.05%
5.50%
+
177,846
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Absa.
How to read this table?

You get a 8.05% interest rate at Absa for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 5 years you will earn R177,846 more in interest at Absa compared Access Bank Plc.

How do Absa interest rates compare to other banks?