Capitec vs Access Bank Plc

Interest rates compared

Last updated 1st July 2025 by Walter

Introduction

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

You are more likely to find better interest rates at Access Bank Plc than Capitec. Specifically, 0 out of 100 interest rates are better at Capitec than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 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)

Capitec
8.28%
best rate
Access Bank Plc
9.22%
best rate

The best interest rate you can get at Capitec is 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at Access Bank Plc, the best interest rate you can get is 9.22% for the 60-month fixed deposit. You will need a minimum deposit of R500 .

But how do interest rates at Capitec compare to Access Bank Plc across different terms and investment amounts?

6 month fixed deposit interest rates compared

Capitec vs Access Bank Plc

This table shows Capitec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Capitec1Access Bank Plc1 Winner 2
R10,000 for 18+
7.35%
7.90%
-
-28
R10,000 for 55+
7.35%
7.90%
-
-28
R100,000 for 18+
7.39%
7.90%
-
-260
R100,000 for 55+
7.39%
7.90%
-
-260
R250,000 for 18+
7.44%
7.90%
-
-590
R250,000 for 55+
7.44%
7.90%
-
-590
R1,000,000 for 18+
7.53%
7.90%
-
-1,876
R1,000,000 for 55+
7.53%
7.90%
-
-1,876
R5,000,000 for 18+
7.53%
7.90%
-
-9,382
R5,000,000 for 55+
7.53%
7.90%
-
-9,382
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Capitec.
How to read this table?

You get a 7.53% interest rate at Capitec for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 7.90%. Over 6 months you will earn R9,382 less in interest at Capitec compared Access Bank Plc.

1 year fixed deposit interest rates compared

Capitec vs Access Bank Plc

This table shows Capitec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Capitec1Access Bank Plc1 Winner 2
R10,000 for 18+
7.44%
8.34%
-
-97
R10,000 for 55+
7.44%
8.34%
-
-97
R100,000 for 18+
7.49%
8.34%
-
-920
R100,000 for 55+
7.49%
8.34%
-
-920
R250,000 for 18+
7.53%
8.34%
-
-2,175
R250,000 for 55+
7.53%
8.34%
-
-2,175
R1,000,000 for 18+
7.63%
8.34%
-
-7,700
R1,000,000 for 55+
7.63%
8.34%
-
-7,700
R5,000,000 for 18+
7.63%
8.34%
-
-38,500
R5,000,000 for 55+
7.63%
8.34%
-
-38,500
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Capitec.
How to read this table?

You get a 7.63% interest rate at Capitec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.34%. Over 12 months you will earn R38,500 less in interest at Capitec compared Access Bank Plc.

2 year fixed deposit interest rates compared

Capitec vs Access Bank Plc

This table shows Capitec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.

Investment amount Capitec1Access Bank Plc1 Winner 2
R10,000 for 18+
7.53%
8.43%
-
-208
R10,000 for 55+
7.53%
8.43%
-
-208
R100,000 for 18+
7.58%
8.43%
-
-1,971
R100,000 for 55+
7.58%
8.43%
-
-1,971
R250,000 for 18+
7.63%
8.43%
-
-4,658
R250,000 for 55+
7.63%
8.43%
-
-4,658
R1,000,000 for 18+
7.72%
8.43%
-
-16,474
R1,000,000 for 55+
7.72%
8.43%
-
-16,474
R5,000,000 for 18+
7.72%
8.43%
-
-82,369
R5,000,000 for 55+
7.72%
8.43%
-
-82,369
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Capitec.
How to read this table?

You get a 7.72% interest rate at Capitec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.43%. Over 2 years you will earn R82,369 less in interest at Capitec compared Access Bank Plc.

3 year fixed deposit interest rates compared

Capitec vs Access Bank Plc

This table shows Capitec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount Capitec1Access Bank Plc1 Winner 2
R10,000 for 18+
7.58%
8.52%
-
-356
R10,000 for 55+
7.58%
8.52%
-
-356
R100,000 for 18+
7.63%
8.52%
-
-3,383
R100,000 for 55+
7.63%
8.52%
-
-3,383
R250,000 for 18+
7.67%
8.52%
-
-8,021
R250,000 for 55+
7.67%
8.52%
-
-8,021
R1,000,000 for 18+
7.77%
8.52%
-
-28,583
R1,000,000 for 55+
7.77%
8.52%
-
-28,583
R5,000,000 for 18+
7.77%
8.52%
-
-142,915
R5,000,000 for 55+
7.77%
8.52%
-
-142,915
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Capitec.
How to read this table?

You get a 7.77% interest rate at Capitec for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.52%. Over 3 years you will earn R142,915 less in interest at Capitec compared Access Bank Plc.

5 year fixed deposit interest rates compared

Capitec vs Access Bank Plc

This table shows Capitec's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 year fixed deposit.

Investment amount Capitec1Access Bank Plc1 Winner 2
R10,000 for 18+
8.00%
9.22%
-
-930
R10,000 for 55+
8.00%
9.22%
-
-930
R100,000 for 18+
8.09%
9.22%
-
-8,614
R100,000 for 55+
8.09%
9.22%
-
-8,614
R250,000 for 18+
8.19%
9.22%
-
-19,807
R250,000 for 55+
8.19%
9.22%
-
-19,807
R1,000,000 for 18+
8.28%
9.22%
-
-72,285
R1,000,000 for 55+
8.28%
9.22%
-
-72,285
R5,000,000 for 18+
8.28%
9.22%
-
-361,424
R5,000,000 for 55+
8.28%
9.22%
-
-361,424
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than Capitec.
How to read this table?

You get a 8.28% interest rate at Capitec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 9.22%. Over 5 years you will earn R361,424 less in interest at Capitec compared Access Bank Plc.