Capitec
vs
FNB
Interest rates compared
Introduction
This fixed deposit comparison page compares Capitec interest rates to FNB interest rates. All the interest rates shown are sourced from the Capitec and FNB 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 FNB ?
You are more likely to find better interest rates at Capitec than FNB. Specifically, 68 out of 100 interest rates are better at Capitec than FNB. This means you are more likely to find a better interest rate at FNB 32% 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 8.28% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at FNB, the best interest rate you can get is 8.4% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 and be over the age of 55.
But how do interest rates at Capitec compare to FNB across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows Capitec's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.35% | 6.80% | + 28 |
| R10,000 for 55+ | 7.35% | 7.00% | + 18 |
| R100,000 for 18+ | 7.39% | 6.80% | + 304 |
| R100,000 for 55+ | 7.39% | 7.00% | + 203 |
| R250,000 for 18+ | 7.44% | 6.90% | + 700 |
| R250,000 for 55+ | 7.44% | 7.10% | + 434 |
| R1,000,000 for 18+ | 7.53% | 7.10% | + 2,218 |
| R1,000,000 for 55+ | 7.53% | 7.35% | + 964 |
| R5,000,000 for 18+ | 7.53% | 7.10% | + 11,088 |
| R5,000,000 for 55+ | 7.53% | 7.35% | + 4,818 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above FNB.
A negative amount means that FNB offers more than Capitec.
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). FNB's interest rate for the same terms is 7.35%. Over 6 months you will earn R4,818 more in interest at Capitec compared FNB.
1 year fixed deposit interest rates compared
This table shows Capitec's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.44% | 7.30% | + 15 |
| R10,000 for 55+ | 7.44% | 7.60% | - -17 |
| R100,000 for 18+ | 7.49% | 7.30% | + 200 |
| R100,000 for 55+ | 7.49% | 7.60% | - -120 |
| R250,000 for 18+ | 7.53% | 7.40% | + 350 |
| R250,000 for 55+ | 7.53% | 7.70% | - -450 |
| R1,000,000 for 18+ | 7.63% | 7.60% | + 300 |
| R1,000,000 for 55+ | 7.63% | 7.90% | - -2,900 |
| R5,000,000 for 18+ | 7.63% | 7.60% | + 1,500 |
| R5,000,000 for 55+ | 7.63% | 7.90% | - -14,500 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above FNB.
A negative amount means that FNB offers more than Capitec.
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). FNB's interest rate for the same terms is 7.90%. Over 12 months you will earn R14,500 less in interest at Capitec compared FNB.
2 year fixed deposit interest rates compared
This table shows Capitec's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.53% | 7.30% | + 54 |
| R10,000 for 55+ | 7.53% | 7.55% | - -4 |
| R100,000 for 18+ | 7.58% | 7.30% | + 646 |
| R100,000 for 55+ | 7.58% | 7.55% | + 65 |
| R250,000 for 18+ | 7.63% | 7.40% | + 1,293 |
| R250,000 for 55+ | 7.63% | 7.65% | - -108 |
| R1,000,000 for 18+ | 7.72% | 7.60% | + 2,806 |
| R1,000,000 for 55+ | 7.72% | 7.90% | - -4,108 |
| R5,000,000 for 18+ | 7.72% | 7.60% | + 14,032 |
| R5,000,000 for 55+ | 7.72% | 7.90% | - -20,538 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above FNB.
A negative amount means that FNB offers more than Capitec.
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). FNB's interest rate for the same terms is 7.90%. Over 2 years you will earn R20,538 less in interest at Capitec compared FNB.
3 year fixed deposit interest rates compared
This table shows Capitec's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.58% | 7.40% | + 66 |
| R10,000 for 55+ | 7.58% | 7.60% | - -7 |
| R100,000 for 18+ | 7.63% | 7.40% | + 836 |
| R100,000 for 55+ | 7.63% | 7.60% | + 105 |
| R250,000 for 18+ | 7.67% | 7.50% | + 1,658 |
| R250,000 for 55+ | 7.67% | 7.70% | - -262 |
| R1,000,000 for 18+ | 7.77% | 7.70% | + 2,450 |
| R1,000,000 for 55+ | 7.77% | 7.95% | - -7,018 |
| R5,000,000 for 18+ | 7.77% | 7.70% | + 12,251 |
| R5,000,000 for 55+ | 7.77% | 7.95% | - -35,089 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above FNB.
A negative amount means that FNB offers more than Capitec.
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). FNB's interest rate for the same terms is 7.95%. Over 3 years you will earn R35,089 less in interest at Capitec compared FNB.
5 year fixed deposit interest rates compared
This table shows Capitec's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.00% | 7.80% | + 151 |
| R10,000 for 55+ | 8.00% | 8.05% | - -34 |
| R100,000 for 18+ | 8.09% | 7.80% | + 2,196 |
| R100,000 for 55+ | 8.09% | 8.05% | + 345 |
| R250,000 for 18+ | 8.19% | 7.90% | + 5,340 |
| R250,000 for 55+ | 8.19% | 8.15% | + 692 |
| R1,000,000 for 18+ | 8.28% | 8.10% | + 13,168 |
| R1,000,000 for 55+ | 8.28% | 8.40% | - -9,063 |
| R5,000,000 for 18+ | 8.28% | 8.10% | + 65,841 |
| R5,000,000 for 55+ | 8.28% | 8.40% | - -45,315 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above FNB.
A negative amount means that FNB offers more than Capitec.
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). FNB's interest rate for the same terms is 8.40%. Over 5 years you will earn R45,315 less in interest at Capitec compared FNB.
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