Capitec vs TymeBank

Interest rates compared

Last updated 1st March 2026 by Walter

Introduction

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

You are more likely to find better interest rates at TymeBank than Capitec. Specifically, 0 out of 100 interest rates are better at Capitec than TymeBank. This means you are more likely to find a better interest rate at TymeBank 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)

Capitec
7.05%
best rate
TymeBank
8.75%
best rate

The best interest rate you can get at Capitec is 7.05% for the 12-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at TymeBank, the best interest rate you can get is 8.75% for the 12-month fixed deposit. You will need a minimum deposit of R1 .

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

6 month fixed deposit interest rates compared

Capitec vs TymeBank

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

Investment amount Capitec1TymeBank1 Winner 2
R10,000 for 18+
6.60%
8.25%
-
-85
R100,000 for 18+
6.75%
8.25%
-
-774
R250,000 for 18+
6.80%
8.25%
-
-1,870
R1,000,000 for 18+
6.85%
8.25%
-
-7,223
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above TymeBank.
    A negative amount means that TymeBank 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). TymeBank's interest rate for the same terms is 8.25%. Over 6 months you will earn R7,223 less in interest at Capitec compared TymeBank.

1 year fixed deposit interest rates compared

Capitec vs TymeBank

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

Investment amount Capitec1TymeBank1 Winner 2
R10,000 for 18+
6.75%
8.75%
-
-215
R100,000 for 18+
6.95%
8.75%
-
-1,934
R250,000 for 18+
7.00%
8.75%
-
-4,701
R1,000,000 for 18+
7.05%
8.75%
-
-18,273
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Capitec over and above TymeBank.
    A negative amount means that TymeBank 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). TymeBank's interest rate for the same terms is 8.75%. Over 12 months you will earn R18,273 less in interest at Capitec compared TymeBank.

How do Capitec interest rates compare to other banks?