Capitec
vs
SA Retail Bonds
Interest rates compared
Introduction
This fixed deposit comparison page compares Capitec interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Capitec and SA Retail Bonds 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 SA Retail Bonds ?
You are more likely to find better interest rates at SA Retail Bonds than Capitec. Specifically, 0 out of 100 interest rates are better at Capitec than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 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)
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 SA Retail Bonds, the best interest rate you can get is 10% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 .
But how do interest rates at Capitec compare to SA Retail Bonds across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows Capitec's and SA Retail Bonds'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 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.53% | 8.50% | - -191 |
| R10,000 for 55+ | 7.53% | 8.50% | - -191 |
| R100,000 for 18+ | 7.58% | 8.50% | - -1,797 |
| R100,000 for 55+ | 7.58% | 8.50% | - -1,797 |
| R250,000 for 18+ | 7.63% | 8.50% | - -4,223 |
| R250,000 for 55+ | 7.63% | 8.50% | - -4,223 |
| R1,000,000 for 18+ | 7.72% | 8.50% | - -14,734 |
| R1,000,000 for 55+ | 7.72% | 8.50% | - -14,734 |
| R5,000,000 for 18+ | 7.72% | 8.50% | - -73,671 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 8.50%. Over 2 years you will earn R73,671 less in interest at Capitec compared SA Retail Bonds.
3 year fixed deposit interest rates compared
This table shows Capitec's and SA Retail Bonds'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 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.58% | 8.75% | - -384 |
| R10,000 for 55+ | 7.58% | 8.75% | - -384 |
| R100,000 for 18+ | 7.63% | 8.75% | - -3,668 |
| R100,000 for 55+ | 7.63% | 8.75% | - -3,668 |
| R250,000 for 18+ | 7.67% | 8.75% | - -8,732 |
| R250,000 for 55+ | 7.67% | 8.75% | - -8,732 |
| R1,000,000 for 18+ | 7.77% | 8.75% | - -31,429 |
| R1,000,000 for 55+ | 7.77% | 8.75% | - -31,429 |
| R5,000,000 for 18+ | 7.77% | 8.75% | - -157,146 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 8.75%. Over 3 years you will earn R157,146 less in interest at Capitec compared SA Retail Bonds.
5 year fixed deposit interest rates compared
This table shows Capitec's and SA Retail Bonds'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 | SA Retail Bonds1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.00% | 10.00% | - -1,390 |
| R10,000 for 55+ | 8.00% | 10.00% | - -1,390 |
| R100,000 for 18+ | 8.09% | 10.00% | - -13,215 |
| R100,000 for 55+ | 8.09% | 10.00% | - -13,215 |
| R250,000 for 18+ | 8.19% | 10.00% | - -31,309 |
| R250,000 for 55+ | 8.19% | 10.00% | - -31,309 |
| R1,000,000 for 18+ | 8.28% | 10.00% | - -118,296 |
| R1,000,000 for 55+ | 8.28% | 10.00% | - -118,296 |
| R5,000,000 for 18+ | 8.28% | 10.00% | - -591,479 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above SA Retail Bonds.
A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 10.00%. Over 5 years you will earn R591,479 less in interest at Capitec compared SA Retail Bonds.
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