Absa vs SA Retail Bonds

Interest rates compared

Last updated 2nd April 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 2nd April 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
8.50%
best rate
SA Retail Bonds
10.25%
best rate

The best interest rate you can get at Absa is 8.5% 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 10.25% 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+
7.85%
9.00%
-
-230
R10,000 for 18+
7.85%
9.00%
-
-230
R10,000 for 55+
7.90%
9.00%
-
-220
R10,000 for 55+
7.90%
9.00%
-
-220
R100,000 for 18+
7.85%
9.00%
-
-2,304
R100,000 for 18+
7.85%
9.00%
-
-2,304
R100,000 for 55+
7.90%
9.00%
-
-2,196
R100,000 for 55+
7.90%
9.00%
-
-2,196
R250,000 for 18+
7.85%
9.00%
-
-5,760
R250,000 for 18+
7.85%
9.00%
-
-5,760
R250,000 for 55+
7.90%
9.00%
-
-5,489
R250,000 for 55+
7.90%
9.00%
-
-5,489
R1,000,000 for 18+
7.85%
9.00%
-
-23,038
R1,000,000 for 18+
7.85%
9.00%
-
-23,038
R1,000,000 for 55+
7.90%
9.00%
-
-21,956
R1,000,000 for 55+
7.90%
9.00%
-
-21,956
R5,000,000 for 18+
7.85%
9.00%
-
-115,190
R5,000,000 for 18+
7.85%
9.00%
-
-115,190
  • 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 7.85% 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 9.00%. Over 2 years you will earn R115,190 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+
8.10%
9.25%
-
-374
R10,000 for 18+
8.10%
9.25%
-
-374
R10,000 for 55+
8.30%
9.25%
-
-300
R10,000 for 55+
8.30%
9.25%
-
-300
R100,000 for 18+
8.10%
9.25%
-
-3,738
R100,000 for 18+
8.10%
9.25%
-
-3,738
R100,000 for 55+
8.30%
9.25%
-
-2,996
R100,000 for 55+
8.30%
9.25%
-
-2,996
R250,000 for 18+
8.10%
9.25%
-
-9,345
R250,000 for 18+
8.10%
9.25%
-
-9,345
R250,000 for 55+
8.30%
9.25%
-
-7,491
R250,000 for 55+
8.30%
9.25%
-
-7,491
R1,000,000 for 18+
8.10%
9.25%
-
-37,381
R1,000,000 for 18+
8.10%
9.25%
-
-37,381
R1,000,000 for 55+
8.30%
9.25%
-
-29,962
R1,000,000 for 55+
8.30%
9.25%
-
-29,962
R5,000,000 for 18+
8.10%
9.25%
-
-186,904
R5,000,000 for 18+
8.10%
9.25%
-
-186,904
  • 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 8.1% 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 9.25%. Over 3 years you will earn R186,904 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+
8.45%
10.25%
-
-1,243
R10,000 for 18+
8.45%
10.25%
-
-1,243
R10,000 for 55+
8.50%
10.25%
-
-1,208
R10,000 for 55+
8.50%
10.25%
-
-1,208
R100,000 for 18+
8.45%
10.25%
-
-12,433
R100,000 for 18+
8.45%
10.25%
-
-12,433
R100,000 for 55+
8.50%
10.25%
-
-12,083
R100,000 for 55+
8.50%
10.25%
-
-12,083
R250,000 for 18+
8.45%
10.25%
-
-31,083
R250,000 for 18+
8.45%
10.25%
-
-31,083
R250,000 for 55+
8.50%
10.25%
-
-30,207
R250,000 for 55+
8.50%
10.25%
-
-30,207
R1,000,000 for 18+
8.45%
10.25%
-
-124,333
R1,000,000 for 18+
8.45%
10.25%
-
-124,333
R1,000,000 for 55+
8.50%
10.25%
-
-120,828
R1,000,000 for 55+
8.50%
10.25%
-
-120,828
R5,000,000 for 18+
8.45%
10.25%
-
-621,665
R5,000,000 for 18+
8.45%
10.25%
-
-621,665
  • 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 8.45% 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 10.25%. Over 5 years you will earn R621,665 less in interest at Absa compared SA Retail Bonds.

How do Absa interest rates compare to other banks?