Capitec vs Standard Bank

Interest rates compared

Last updated 1st March 2026 by Walter

Introduction

This fixed deposit comparison page compares Capitec interest rates to Standard Bank interest rates. All the interest rates shown are sourced from the Capitec and Standard Bank 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 Standard Bank ?

You are more likely to find better interest rates at Capitec than Standard Bank. Specifically, 100 out of 100 interest rates are better at Capitec than Standard Bank. This means you are more likely to find a better interest rate at Standard Bank 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)

Capitec
7.60%
best rate
Standard Bank
6.95%
best rate

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 Standard Bank, the best interest rate you can get is 6.95401962959048% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 .

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

6 month fixed deposit interest rates compared

Capitec vs Standard Bank

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

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.60%
5.72%
+
45
R100,000 for 18+
6.75%
6.23%
+
265
R250,000 for 18+
6.80%
6.23%
+
727
R1,000,000 for 18+
6.85%
6.33%
+
2,681
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

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). Standard Bank's interest rate for the same terms is 6.33%. Over 6 months you will earn R2,681 more in interest at Capitec compared Standard Bank.

9 month fixed deposit interest rates compared

Capitec vs Standard Bank

This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.65%
5.72%
+
73
R100,000 for 18+
6.80%
6.25%
+
430
R250,000 for 18+
6.85%
6.25%
+
1,174
R1,000,000 for 18+
6.90%
6.35%
+
4,348
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

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). Standard Bank's interest rate for the same terms is 6.35%. Over 9 months you will earn R4,348 more in interest at Capitec compared Standard Bank.

1 year fixed deposit interest rates compared

Capitec vs Standard Bank

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

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.75%
5.79%
+
101
R100,000 for 18+
6.95%
6.29%
+
702
R250,000 for 18+
7.00%
6.29%
+
1,888
R1,000,000 for 18+
7.05%
6.38%
+
7,083
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

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). Standard Bank's interest rate for the same terms is 6.38%. Over 12 months you will earn R7,083 more in interest at Capitec compared Standard Bank.

1.5 year fixed deposit interest rates compared

Capitec vs Standard Bank

This table shows Capitec's and Standard Bank'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 Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.80%
6.08%
+
119
R100,000 for 18+
7.00%
6.56%
+
728
R250,000 for 18+
7.05%
6.56%
+
2,026
R1,000,000 for 18+
7.10%
6.56%
+
8,934
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

You get a 7.1% interest rate at Capitec for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.56%. Over 1.5 years you will earn R8,934 more in interest at Capitec compared Standard Bank.

2 year fixed deposit interest rates compared

Capitec vs Standard Bank

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

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.85%
6.12%
+
166
R100,000 for 18+
7.05%
6.60%
+
1,033
R250,000 for 18+
7.10%
6.60%
+
2,868
R1,000,000 for 18+
7.15%
6.60%
+
12,616
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

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). Standard Bank's interest rate for the same terms is 6.60%. Over 2 years you will earn R12,616 more in interest at Capitec compared Standard Bank.

3 year fixed deposit interest rates compared

Capitec vs Standard Bank

This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.90%
6.20%
+
254
R100,000 for 18+
7.10%
6.66%
+
1,602
R250,000 for 18+
7.15%
6.66%
+
4,468
R1,000,000 for 18+
7.20%
6.66%
+
19,718
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

You get a 7.2% interest rate at Capitec for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.66%. Over 3 years you will earn R19,718 more in interest at Capitec compared Standard Bank.

4 year fixed deposit interest rates compared

Capitec vs Standard Bank

This table shows Capitec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
6.95%
6.35%
+
310
R100,000 for 18+
7.15%
6.78%
+
1,917
R250,000 for 18+
7.20%
6.78%
+
5,454
R1,000,000 for 18+
7.25%
6.78%
+
24,466
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

You get a 7.25% interest rate at Capitec for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.78%. Over 4 years you will earn R24,466 more in interest at Capitec compared Standard Bank.

5 year fixed deposit interest rates compared

Capitec vs Standard Bank

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

Investment amount Capitec1Standard Bank1 Winner 2
R10,000 for 18+
7.20%
6.54%
+
462
R100,000 for 18+
7.40%
6.95%
+
3,170
R250,000 for 18+
7.45%
6.95%
+
8,825
R1,000,000 for 18+
7.60%
6.95%
+
46,145
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Capitec.
How to read this table?

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). Standard Bank's interest rate for the same terms is 6.95%. Over 5 years you will earn R46,145 more in interest at Capitec compared Standard Bank.

How do Capitec interest rates compare to other banks?