Capitec vs Investec

Interest rates compared

Last updated 4th June 2025 by Walter

Introduction

This fixed deposit comparison page compares Capitec interest rates to Investec interest rates. All the interest rates shown are sourced from the Capitec and Investec websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th June 2025.

How do Capitec fixed deposit interest rates compare to Investec ?

You are more likely to find better interest rates at Capitec than Investec. Specifically, 63 out of 100 interest rates are better at Capitec than Investec. This means you are more likely to find a better interest rate at Investec 37% 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
8.51%
best rate
Investec
8.43%
best rate

The best interest rate you can get at Capitec is 8.51% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at Investec, the best interest rate you can get is 8.43% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55.

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

6 month fixed deposit interest rates compared

Capitec vs Investec

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

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.49%
7.43%
+
29
R100,000 for 55+
7.49%
7.58%
-
-48
R250,000 for 18+
7.53%
7.43%
+
132
R250,000 for 55+
7.53%
7.58%
-
-60
R1,000,000 for 18+
7.72%
7.43%
+
1,493
R1,000,000 for 55+
7.72%
7.58%
+
722
R5,000,000 for 18+
7.72%
7.43%
+
7,463
R5,000,000 for 55+
7.72%
7.58%
+
3,610
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec 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 6 month fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.58%. Over 6 months you will earn R3,610 more in interest at Capitec compared Investec.

1 year fixed deposit interest rates compared

Capitec vs Investec

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

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.81%
8.00%
-
-200
R100,000 for 55+
7.81%
8.20%
-
-420
R250,000 for 18+
7.86%
8.00%
-
-375
R250,000 for 55+
7.86%
8.20%
-
-925
R1,000,000 for 18+
8.00%
8.00%
-
0
R1,000,000 for 55+
8.00%
8.20%
-
-2,200
R5,000,000 for 18+
8.00%
8.00%
-
0
R5,000,000 for 55+
8.00%
8.20%
-
-11,000
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 8% interest rate at Capitec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 8.20%. Over 12 months you will earn R11,000 less in interest at Capitec compared Investec.

2 year fixed deposit interest rates compared

Capitec vs Investec

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

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
7.91%
7.61%
+
691
R100,000 for 55+
7.91%
7.76%
+
346
R250,000 for 18+
7.95%
7.61%
+
1,999
R250,000 for 55+
7.95%
7.76%
+
1,136
R1,000,000 for 18+
8.09%
7.61%
+
11,247
R1,000,000 for 55+
8.09%
7.76%
+
7,792
R5,000,000 for 18+
8.09%
7.61%
+
56,233
R5,000,000 for 55+
8.09%
7.76%
+
38,959
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 8.09% interest rate at Capitec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 7.76%. Over 2 years you will earn R38,959 more in interest at Capitec compared Investec.

5 year fixed deposit interest rates compared

Capitec vs Investec

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

Investment amount Capitec1Investec1 Winner 2
R100,000 for 18+
8.32%
8.28%
+
348
R100,000 for 55+
8.32%
8.43%
-
-768
R250,000 for 18+
8.42%
8.28%
+
2,615
R250,000 for 55+
8.42%
8.43%
-
-175
R1,000,000 for 18+
8.51%
8.28%
+
17,467
R1,000,000 for 55+
8.51%
8.43%
+
6,307
R5,000,000 for 18+
8.51%
8.28%
+
87,337
R5,000,000 for 55+
8.51%
8.43%
+
31,534
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Investec.
    A negative amount means that Investec offers more than Capitec.
How to read this table?

You get a 8.51% interest rate at Capitec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Investec's interest rate for the same terms is 8.43%. Over 5 years you will earn R31,534 more in interest at Capitec compared Investec.

How do Capitec interest rates compare to other banks?