Access Bank Plc
vs
GoTyme Bank
Interest rates compared
Introduction
This fixed deposit comparison page compares Access Bank Plc interest rates to GoTyme Bank interest rates. All the interest rates shown are sourced from the Access Bank Plc and GoTyme Bank 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 GoTyme Bank ?
You are more likely to find better interest rates at GoTyme Bank than Access Bank Plc. Specifically, 0 out of 100 interest rates are better at Access Bank Plc than GoTyme Bank. This means you are more likely to find a better interest rate at GoTyme Bank 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)
The best interest rate you can get at Access Bank Plc is 7.6% for the 36-month fixed deposit. You will need a minimum deposit of R0 . Whilst at GoTyme Bank, the best interest rate you can get is 8.5841% for the 36-month fixed deposit. You will need a minimum deposit of R1 .
But how do interest rates at Access Bank Plc compare to GoTyme Bank across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows Access Bank Plc's and GoTyme Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | Access Bank Plc1 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.80% | 7.70% | - -23 |
| R100,000 for 18+ | 6.80% | 7.70% | - -228 |
| R250,000 for 18+ | 6.80% | 7.70% | - -571 |
| R1,000,000 for 18+ | 6.80% | 7.70% | - -2,283 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above GoTyme Bank.
A negative amount means that GoTyme Bank offers more than Access Bank Plc.
You get a 6.8% interest rate at Access Bank Plc for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 7.70%. Over 3 months you will earn R2,283 less in interest at Access Bank Plc compared GoTyme Bank.
6 month fixed deposit interest rates compared
This table shows Access Bank Plc's and GoTyme Bank'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 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 8.11% | - -57 |
| R100,000 for 18+ | 7.00% | 8.11% | - -573 |
| R250,000 for 18+ | 7.00% | 8.11% | - -1,434 |
| R1,000,000 for 18+ | 7.00% | 8.11% | - -5,735 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above GoTyme Bank.
A negative amount means that GoTyme Bank 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). GoTyme Bank's interest rate for the same terms is 8.11%. Over 6 months you will earn R5,735 less in interest at Access Bank Plc compared GoTyme Bank.
1 year fixed deposit interest rates compared
This table shows Access Bank Plc's and GoTyme Bank'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 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.25% | 8.42% | - -125 |
| R100,000 for 18+ | 7.25% | 8.42% | - -1,254 |
| R250,000 for 18+ | 7.25% | 8.42% | - -3,135 |
| R1,000,000 for 18+ | 7.25% | 8.42% | - -12,541 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above GoTyme Bank.
A negative amount means that GoTyme Bank 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). GoTyme Bank's interest rate for the same terms is 8.42%. Over 12 months you will earn R12,541 less in interest at Access Bank Plc compared GoTyme Bank.
2 year fixed deposit interest rates compared
This table shows Access Bank Plc's and GoTyme Bank'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 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.50% | 8.52% | - -238 |
| R100,000 for 18+ | 7.50% | 8.52% | - -2,376 |
| R250,000 for 18+ | 7.50% | 8.52% | - -5,939 |
| R1,000,000 for 18+ | 7.50% | 8.52% | - -23,757 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above GoTyme Bank.
A negative amount means that GoTyme Bank 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). GoTyme Bank's interest rate for the same terms is 8.52%. Over 2 years you will earn R23,757 less in interest at Access Bank Plc compared GoTyme Bank.
3 year fixed deposit interest rates compared
This table shows Access Bank Plc's and GoTyme Bank'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 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.60% | 8.58% | - -374 |
| R100,000 for 18+ | 7.60% | 8.58% | - -3,735 |
| R250,000 for 18+ | 7.60% | 8.58% | - -9,338 |
| R1,000,000 for 18+ | 7.60% | 8.58% | - -37,354 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Access Bank Plc over and above GoTyme Bank.
A negative amount means that GoTyme Bank 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). GoTyme Bank's interest rate for the same terms is 8.58%. Over 3 years you will earn R37,354 less in interest at Access Bank Plc compared GoTyme Bank.
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