Capitec
vs
Investec
Interest rates compared
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 1st March 2026.
How do Capitec fixed deposit interest rates compare to Investec ?
You are more likely to find better interest rates at Investec than Capitec. Specifically, 40 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 60% 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 7.6% 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 7.78% for the 12-month fixed deposit. You will need a minimum deposit of R100,000 .
But how do interest rates at Capitec compare to Investec across different terms and investment amounts?
6 month fixed deposit interest rates compared
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 | Capitec1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.75% | 7.26% | - -263 |
| R250,000 for 18+ | 6.80% | 7.26% | - -592 |
| R1,000,000 for 18+ | 6.85% | 7.26% | - -2,111 |
- 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.
You get a 6.85% interest rate at Capitec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.26%. Over 6 months you will earn R2,111 less in interest at Capitec compared Investec.
9 month fixed deposit interest rates compared
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 9 month fixed deposit.
| Investment amount | Capitec1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.80% | 7.52% | - -566 |
| R250,000 for 18+ | 6.85% | 7.52% | - -1,318 |
| R1,000,000 for 18+ | 6.90% | 7.52% | - -4,878 |
- 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.
You get a 6.9% interest rate at Capitec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.52%. Over 9 months you will earn R4,878 less in interest at Capitec compared Investec.
1 year fixed deposit interest rates compared
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 | Capitec1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 6.95% | 7.78% | - -888 |
| R250,000 for 18+ | 7.00% | 7.78% | - -2,086 |
| R1,000,000 for 18+ | 7.05% | 7.78% | - -7,812 |
- 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.
You get a 7.05% interest rate at Capitec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.78%. Over 12 months you will earn R7,812 less in interest at Capitec compared Investec.
2 year fixed deposit interest rates compared
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 | Capitec1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.05% | 6.72% | + 753 |
| R250,000 for 18+ | 7.10% | 6.72% | + 2,168 |
| R1,000,000 for 18+ | 7.15% | 6.72% | + 9,819 |
- 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.
You get a 7.15% interest rate at Capitec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.72%. Over 2 years you will earn R9,819 more in interest at Capitec compared Investec.
5 year fixed deposit interest rates compared
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 | Capitec1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.40% | 7.12% | + 1,998 |
| R250,000 for 18+ | 7.45% | 7.12% | + 5,895 |
| R1,000,000 for 18+ | 7.60% | 7.12% | + 34,427 |
- 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.
You get a 7.6% interest rate at Capitec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.12%. Over 5 years you will earn R34,427 more in interest at Capitec compared Investec.
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