Access Bank Plc
vs
Capitec
Interest rates compared
Introduction
This fixed deposit comparison page compares Access Bank Plc interest rates to Capitec interest rates. All the interest rates shown are sourced from the Access Bank Plc 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 31st July 2026.
How do Access Bank Plc fixed deposit interest rates compare to Capitec ?
You are more likely to find better interest rates at Access Bank Plc than Capitec. Specifically, 69 out of 100 interest rates are better at Access Bank Plc than Capitec. This means you are more likely to find a better interest rate at Capitec 31% 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 Access Bank Plc is 7.75% for the 48-month fixed deposit. You will need a minimum deposit of R0 . Whilst at Capitec, the best interest rate you can get is 8.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
But how do interest rates at Access Bank Plc compare to Capitec across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 6.50% | + 26 |
| R100,000 for 18+ | 7.00% | 6.75% | + 129 |
| R250,000 for 18+ | 7.00% | 6.90% | + 129 |
| R1,000,000 for 18+ | 7.00% | 7.10% | - -515 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7% interest rate at Access Bank Plc 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 7.10%. Over 6 months you will earn R515 less in interest at Access Bank Plc compared Capitec.
9 month fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 6.55% | + 35 |
| R100,000 for 18+ | 7.00% | 6.80% | + 157 |
| R250,000 for 18+ | 7.00% | 7.10% | - -196 |
| R1,000,000 for 18+ | 7.00% | 7.25% | - -1,966 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7% interest rate at Access Bank Plc 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 7.25%. Over 9 months you will earn R1,966 less in interest at Access Bank Plc compared Capitec.
1 year fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.25% | 6.75% | + 53 |
| R100,000 for 18+ | 7.25% | 6.95% | + 320 |
| R250,000 for 18+ | 7.25% | 7.25% | - 0 |
| R1,000,000 for 18+ | 7.25% | 7.30% | - -534 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.25% interest rate at Access Bank Plc 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 7.30%. Over 12 months you will earn R534 less in interest at Access Bank Plc compared Capitec.
1.5 year fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.25% | 6.80% | + 75 |
| R100,000 for 18+ | 7.25% | 7.15% | + 166 |
| R250,000 for 18+ | 7.25% | 7.35% | - -416 |
| R1,000,000 for 18+ | 7.25% | 7.40% | - -2,495 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.25% interest rate at Access Bank Plc 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 7.40%. Over 1.5 years you will earn R2,495 less in interest at Access Bank Plc compared Capitec.
2 year fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.50% | 6.85% | + 149 |
| R100,000 for 18+ | 7.50% | 7.35% | + 346 |
| R250,000 for 18+ | 7.50% | 7.40% | + 576 |
| R1,000,000 for 18+ | 7.50% | 7.45% | + 1,154 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.5% interest rate at Access Bank Plc 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 7.45%. Over 2 years you will earn R1,154 more in interest at Access Bank Plc compared Capitec.
3 year fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 6.95% | + 241 |
| R100,000 for 18+ | 7.60% | 7.40% | + 746 |
| R250,000 for 18+ | 7.60% | 7.45% | + 1,400 |
| R1,000,000 for 18+ | 7.60% | 7.55% | + 1,870 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.6% interest rate at Access Bank Plc 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 7.55%. Over 3 years you will earn R1,870 more in interest at Access Bank Plc compared Capitec.
4 year fixed deposit interest rates compared
This table shows Access Bank Plc's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.
| Investment amount | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.75% | 7.00% | + 400 |
| R100,000 for 18+ | 7.75% | 7.45% | + 1,615 |
| R250,000 for 18+ | 7.75% | 7.55% | + 2,696 |
| R1,000,000 for 18+ | 7.75% | 7.60% | + 8,096 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.75% interest rate at Access Bank Plc for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.60%. Over 4 years you will earn R8,096 more in interest at Access Bank Plc compared Capitec.
5 year fixed deposit interest rates compared
This table shows Access Bank Plc'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 | Access Bank Plc1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.75% | 7.30% | + 325 |
| R100,000 for 18+ | 7.75% | 7.80% | - -366 |
| R250,000 for 18+ | 7.75% | 8.00% | - -4,597 |
| R1,000,000 for 18+ | 7.75% | 8.25% | - -37,000 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above Capitec.
A negative amount means that Capitec offers more than Access Bank Plc.
You get a 7.75% interest rate at Access Bank Plc 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 8.25%. Over 5 years you will earn R37,000 less in interest at Access Bank Plc compared Capitec.
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