Capitec
vs
Access Bank Plc
Interest rates compared
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 2nd October 2026.
How do Capitec fixed deposit interest rates compare to Access Bank Plc ?
You are more likely to find better interest rates at Capitec than Access Bank Plc. Specifically, 100 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 0% 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 Capitec is 8.4% 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 5.5% for the 18-month fixed deposit. You will need a minimum deposit of R0 .
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
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 | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.70% | 5.30% | + 72 |
| R100,000 for 18+ | 6.80% | 5.30% | + 769 |
| R250,000 for 18+ | 6.90% | 5.30% | + 2,051 |
| R1,000,000 for 18+ | 7.15% | 5.30% | + 9,492 |
- 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.
You get a 7.15% interest rate at Capitec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 6 months you will earn R9,492 more in interest at Capitec compared Access Bank Plc.
9 month fixed deposit interest rates compared
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 9 month fixed deposit.
| Investment amount | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.80% | 5.30% | + 117 |
| R100,000 for 18+ | 6.85% | 5.30% | + 1,210 |
| R250,000 for 18+ | 7.10% | 5.30% | + 3,517 |
| R1,000,000 for 18+ | 7.40% | 5.30% | + 16,429 |
- 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.
You get a 7.4% interest rate at Capitec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 9 months you will earn R16,429 more in interest at Capitec compared Access Bank Plc.
1 year fixed deposit interest rates compared
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 | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.85% | 5.30% | + 164 |
| R100,000 for 18+ | 7.15% | 5.30% | + 1,958 |
| R250,000 for 18+ | 7.25% | 5.30% | + 5,163 |
| R1,000,000 for 18+ | 7.45% | 5.30% | + 22,791 |
- 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.
You get a 7.45% interest rate at Capitec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.30%. Over 12 months you will earn R22,791 more in interest at Capitec compared Access Bank Plc.
1.5 year fixed deposit interest rates compared
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 1.5 year fixed deposit.
| Investment amount | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.90% | 5.50% | + 229 |
| R100,000 for 18+ | 7.30% | 5.50% | + 2,956 |
| R250,000 for 18+ | 7.35% | 5.50% | + 7,597 |
| R1,000,000 for 18+ | 7.50% | 5.50% | + 32,887 |
- 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.
You get a 7.5% interest rate at Capitec for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 1.5 years you will earn R32,887 more in interest at Capitec compared Access Bank Plc.
2 year fixed deposit interest rates compared
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 | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.95% | 5.50% | + 327 |
| R100,000 for 18+ | 7.50% | 5.50% | + 4,529 |
| R250,000 for 18+ | 7.55% | 5.50% | + 11,612 |
| R1,000,000 for 18+ | 7.65% | 5.50% | + 48,762 |
- 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.
You get a 7.65% interest rate at Capitec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 2 years you will earn R48,762 more in interest at Capitec compared Access Bank Plc.
3 year fixed deposit interest rates compared
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 | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 5.50% | + 540 |
| R100,000 for 18+ | 7.60% | 5.50% | + 7,623 |
| R250,000 for 18+ | 7.65% | 5.50% | + 19,527 |
| R1,000,000 for 18+ | 7.70% | 5.50% | + 79,981 |
- 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.
You get a 7.7% interest rate at Capitec for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 3 years you will earn R79,981 more in interest at Capitec compared Access Bank Plc.
4 year fixed deposit interest rates compared
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 4 year fixed deposit.
| Investment amount | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.25% | 5.50% | + 898 |
| R100,000 for 18+ | 7.70% | 5.50% | + 11,391 |
| R250,000 for 18+ | 8.15% | 5.50% | + 34,610 |
| R1,000,000 for 18+ | 8.20% | 5.50% | + 141,191 |
- 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.
You get a 8.2% interest rate at Capitec for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 4 years you will earn R141,191 more in interest at Capitec compared Access Bank Plc.
5 year fixed deposit interest rates compared
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 | Capitec1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.50% | 5.50% | + 1,376 |
| R100,000 for 18+ | 8.00% | 5.50% | + 17,414 |
| R250,000 for 18+ | 8.35% | 5.50% | + 50,066 |
| R1,000,000 for 18+ | 8.40% | 5.50% | + 204,033 |
- 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.
You get a 8.4% interest rate at Capitec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 5.50%. Over 5 years you will earn R204,033 more in interest at Capitec compared Access Bank Plc.
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