Absa vs SA Retail Bonds

Interest rates compared

Last updated 1st July 2025 by Walter

Introduction

This fixed deposit comparison page compares Absa interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Absa and SA Retail Bonds websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th July 2025.

How do Absa fixed deposit interest rates compare to SA Retail Bonds ?

You are more likely to find better interest rates at SA Retail Bonds than Absa. Specifically, 0 out of 100 interest rates are better at Absa than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 100% 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
8.30%
best rate
SA Retail Bonds
10.00%
best rate

The best interest rate you can get at Absa is 8.3% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 and be over the age of 55. Whilst at SA Retail Bonds, the best interest rate you can get is 10% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 .

But how do interest rates at Absa compare to SA Retail Bonds across different terms and investment amounts?

2 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.55%
8.50%
-
-186
R10,000 for 18+
7.55%
8.50%
-
-186
R10,000 for 55+
7.60%
8.50%
-
-175
R10,000 for 55+
7.60%
8.50%
-
-175
R100,000 for 18+
7.55%
8.50%
-
-1,862
R100,000 for 18+
7.55%
8.50%
-
-1,862
R100,000 for 55+
7.60%
8.50%
-
-1,754
R100,000 for 55+
7.60%
8.50%
-
-1,754
R250,000 for 18+
7.55%
8.50%
-
-4,655
R250,000 for 18+
7.55%
8.50%
-
-4,655
R250,000 for 55+
7.60%
8.50%
-
-4,385
R250,000 for 55+
7.60%
8.50%
-
-4,385
R1,000,000 for 18+
7.55%
8.50%
-
-18,619
R1,000,000 for 18+
7.55%
8.50%
-
-18,619
R1,000,000 for 55+
7.60%
8.50%
-
-17,541
R1,000,000 for 55+
7.60%
8.50%
-
-17,541
R5,000,000 for 18+
7.55%
8.50%
-
-93,095
R5,000,000 for 18+
7.55%
8.50%
-
-93,095
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 7.55% interest rate at Absa for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.50%. Over 2 years you will earn R93,095 less in interest at Absa compared SA Retail Bonds.

3 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.75%
8.75%
-
-321
R10,000 for 18+
7.75%
8.75%
-
-321
R10,000 for 55+
7.95%
8.75%
-
-244
R10,000 for 55+
7.95%
8.75%
-
-244
R100,000 for 18+
7.75%
8.75%
-
-3,213
R100,000 for 18+
7.75%
8.75%
-
-3,213
R100,000 for 55+
7.95%
8.75%
-
-2,441
R100,000 for 55+
7.95%
8.75%
-
-2,441
R250,000 for 18+
7.75%
8.75%
-
-8,032
R250,000 for 18+
7.75%
8.75%
-
-8,032
R250,000 for 55+
7.95%
8.75%
-
-6,103
R250,000 for 55+
7.95%
8.75%
-
-6,103
R1,000,000 for 18+
7.75%
8.75%
-
-32,130
R1,000,000 for 18+
7.75%
8.75%
-
-32,130
R1,000,000 for 55+
7.95%
8.75%
-
-24,411
R1,000,000 for 55+
7.95%
8.75%
-
-24,411
R5,000,000 for 18+
7.75%
8.75%
-
-160,648
R5,000,000 for 18+
7.75%
8.75%
-
-160,648
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 7.75% interest rate at Absa for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.75%. Over 3 years you will earn R160,648 less in interest at Absa compared SA Retail Bonds.

5 year fixed deposit interest rates compared

Absa vs SA Retail Bonds

This table shows Absa's and SA Retail Bonds's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Absa1SA Retail Bonds1 Winner 2
R10,000 for 18+
8.25%
10.00%
-
-1,204
R10,000 for 18+
8.25%
10.00%
-
-1,204
R10,000 for 55+
8.30%
10.00%
-
-1,169
R10,000 for 55+
8.30%
10.00%
-
-1,169
R100,000 for 18+
8.25%
10.00%
-
-12,038
R100,000 for 18+
8.25%
10.00%
-
-12,038
R100,000 for 55+
8.30%
10.00%
-
-11,690
R100,000 for 55+
8.30%
10.00%
-
-11,690
R250,000 for 18+
8.25%
10.00%
-
-30,095
R250,000 for 18+
8.25%
10.00%
-
-30,095
R250,000 for 55+
8.30%
10.00%
-
-29,226
R250,000 for 55+
8.30%
10.00%
-
-29,226
R1,000,000 for 18+
8.25%
10.00%
-
-120,381
R1,000,000 for 18+
8.25%
10.00%
-
-120,381
R1,000,000 for 55+
8.30%
10.00%
-
-116,904
R1,000,000 for 55+
8.30%
10.00%
-
-116,904
R5,000,000 for 18+
8.25%
10.00%
-
-601,906
R5,000,000 for 18+
8.25%
10.00%
-
-601,906
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Absa over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Absa.
How to read this table?

You get a 8.25% interest rate at Absa for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 10.00%. Over 5 years you will earn R601,906 less in interest at Absa compared SA Retail Bonds.