Absa
vs
Capitec
Interest rates compared
Introduction
This fixed deposit comparison page compares Absa interest rates to Capitec interest rates. All the interest rates shown are sourced from the Absa and Capitec 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 Capitec ?
You are more likely to find better interest rates at Absa than Capitec. Specifically, 61 out of 100 interest rates are better at Absa than Capitec. This means you are more likely to find a better interest rate at Capitec 39% 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)
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 Capitec, the best interest rate you can get is 8.4% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
But how do interest rates at Absa compare to Capitec across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.80% | 6.70% | + 5 |
| R100,000 for 18+ | 7.10% | 6.80% | + 154 |
| R250,000 for 18+ | 7.10% | 6.90% | + 257 |
| R1,000,000 for 18+ | 7.10% | 7.15% | - -258 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.15%. Over 6 months you will earn R258 less in interest at Absa compared Capitec.
9 month fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.65% | 6.80% | - -12 |
| R100,000 for 18+ | 7.15% | 6.85% | + 236 |
| R250,000 for 18+ | 7.15% | 7.10% | + 98 |
| R1,000,000 for 18+ | 7.15% | 7.40% | - -1,968 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.40%. Over 9 months you will earn R1,968 less in interest at Absa compared Capitec.
1 year fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.10% | 6.85% | + 27 |
| R100,000 for 18+ | 7.60% | 7.15% | + 481 |
| R250,000 for 18+ | 7.60% | 7.25% | + 936 |
| R1,000,000 for 18+ | 7.60% | 7.45% | + 1,607 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.45%. Over 12 months you will earn R1,607 more in interest at Absa compared Capitec.
1.5 year fixed deposit interest rates compared
This table shows Absa's and Capitec'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 | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.30% | 6.90% | + 66 |
| R100,000 for 18+ | 7.50% | 7.30% | + 333 |
| R250,000 for 18+ | 7.50% | 7.35% | + 625 |
| R1,000,000 for 18+ | 7.60% | 7.50% | + 1,669 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.50%. Over 1.5 years you will earn R1,669 more in interest at Absa compared Capitec.
2 year fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.50% | 6.95% | + 126 |
| R100,000 for 18+ | 7.50% | 7.50% | - 0 |
| R250,000 for 18+ | 7.50% | 7.55% | - -289 |
| R1,000,000 for 18+ | 7.60% | 7.65% | - -1,157 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.65%. Over 2 years you will earn R1,157 less in interest at Absa compared Capitec.
3 year fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.50% | 7.00% | + 185 |
| R100,000 for 18+ | 7.60% | 7.60% | - 0 |
| R250,000 for 18+ | 7.60% | 7.65% | - -468 |
| R1,000,000 for 18+ | 7.80% | 7.70% | + 3,758 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 7.70%. Over 3 years you will earn R3,758 more in interest at Absa compared Capitec.
5 year fixed deposit interest rates compared
This table shows Absa's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.
| Investment amount | Absa1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.70% | 7.50% | + 145 |
| R100,000 for 18+ | 7.90% | 8.00% | - -738 |
| R250,000 for 18+ | 7.90% | 8.35% | - -8,376 |
| R1,000,000 for 18+ | 8.05% | 8.40% | - -26,186 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Absa over and above Capitec.
A negative amount means that Capitec offers more than Absa.
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). Capitec's interest rate for the same terms is 8.40%. Over 5 years you will earn R26,186 less in interest at Absa compared Capitec.
- Absa vs Access Bank Plc interest rates compared
- Absa vs African Bank interest rates compared
- Absa vs BankZero interest rates compared
- Absa vs Bidvest interest rates compared
- Absa vs Capitec interest rates compared
- Absa vs Discovery interest rates compared
- Absa vs FNB interest rates compared
- Absa vs Fedgroup interest rates compared
- Absa vs GoTyme Bank interest rates compared
- Absa vs Investec interest rates compared
- Absa vs Nedbank interest rates compared
- Absa vs SA Retail Bonds interest rates compared
- Absa vs Standard Bank interest rates compared