Access Bank Plc vs SA Retail Bonds

Interest rates compared

Last updated 2nd April 2025 by Walter

Introduction

This fixed deposit comparison page compares Access Bank Plc interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Access Bank Plc 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 Access Bank Plc fixed deposit interest rates compare to SA Retail Bonds ?

You are more likely to find better interest rates at SA Retail Bonds than Access Bank Plc. Specifically, 50 out of 100 interest rates are better at Access Bank Plc than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 50% 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)

Access Bank Plc
9.50%
best rate
SA Retail Bonds
10.25%
best rate

The best interest rate you can get at Access Bank Plc is 9.5% for the 60-month fixed deposit. You will need a minimum deposit of R500 . 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 Access Bank Plc compare to SA Retail Bonds across different terms and investment amounts?

2 year fixed deposit interest rates compared

Access Bank Plc vs SA Retail Bonds

This table shows Access Bank Plc'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 Access Bank Plc1SA Retail Bonds1 Winner 2
R10,000 for 18+
9.00%
9.00%
+
39
R10,000 for 18+
7.75%
9.00%
-
-254
R10,000 for 55+
9.00%
9.00%
+
39
R10,000 for 55+
7.75%
9.00%
-
-254
R100,000 for 18+
9.00%
9.00%
+
393
R100,000 for 18+
7.75%
9.00%
-
-2,542
R100,000 for 55+
9.00%
9.00%
+
393
R100,000 for 55+
7.75%
9.00%
-
-2,542
R250,000 for 18+
9.00%
9.00%
+
984
R250,000 for 18+
7.75%
9.00%
-
-6,354
R250,000 for 55+
9.00%
9.00%
+
984
R250,000 for 55+
7.75%
9.00%
-
-6,354
R1,000,000 for 18+
9.00%
9.00%
+
3,934
R1,000,000 for 18+
7.75%
9.00%
-
-25,416
R1,000,000 for 55+
9.00%
9.00%
+
3,934
R1,000,000 for 55+
7.75%
9.00%
-
-25,416
R5,000,000 for 18+
9.00%
9.00%
+
19,672
R5,000,000 for 18+
7.75%
9.00%
-
-127,080
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Access Bank Plc over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Access Bank Plc.
How to read this table?

You get a 7.75% interest rate at Access Bank Plc 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 R127,080 less in interest at Access Bank Plc compared SA Retail Bonds.

3 year fixed deposit interest rates compared

Access Bank Plc vs SA Retail Bonds

This table shows Access Bank Plc'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 Access Bank Plc1SA Retail Bonds1 Winner 2
R10,000 for 18+
9.10%
9.25%
+
11
R10,000 for 55+
9.10%
9.25%
+
11
R100,000 for 18+
9.10%
9.25%
+
108
R100,000 for 55+
9.10%
9.25%
+
108
R250,000 for 18+
9.10%
9.25%
+
270
R250,000 for 55+
9.10%
9.25%
+
270
R1,000,000 for 18+
9.10%
9.25%
+
1,079
R1,000,000 for 55+
9.10%
9.25%
+
1,079
R5,000,000 for 18+
9.10%
9.25%
+
5,393
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Access Bank Plc over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Access Bank Plc.
How to read this table?

You get a 9.1% interest rate at Access Bank Plc 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 R5,393 less in interest at Access Bank Plc compared SA Retail Bonds.

5 year fixed deposit interest rates compared

Access Bank Plc vs SA Retail Bonds

This table shows Access Bank Plc'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 Access Bank Plc1SA Retail Bonds1 Winner 2
R10,000 for 18+
9.50%
10.25%
-
-435
R10,000 for 55+
9.50%
10.25%
-
-435
R100,000 for 18+
9.50%
10.25%
-
-4,353
R100,000 for 55+
9.50%
10.25%
-
-4,353
R250,000 for 18+
9.50%
10.25%
-
-10,883
R250,000 for 55+
9.50%
10.25%
-
-10,883
R1,000,000 for 18+
9.50%
10.25%
-
-43,530
R1,000,000 for 55+
9.50%
10.25%
-
-43,530
R5,000,000 for 18+
9.50%
10.25%
-
-217,651
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Access Bank Plc over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Access Bank Plc.
How to read this table?

You get a 9.5% interest rate at Access Bank Plc 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 R217,651 less in interest at Access Bank Plc compared SA Retail Bonds.

How do Access Bank Plc interest rates compare to other banks?