Capitec
vs
GoTyme Bank
Interest rates compared
Introduction
This fixed deposit comparison page compares Capitec interest rates to GoTyme Bank interest rates. All the interest rates shown are sourced from the Capitec and GoTyme Bank websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd October 2026.
How do Capitec fixed deposit interest rates compare to GoTyme Bank ?
You are more likely to find better interest rates at GoTyme Bank than Capitec. Specifically, 0 out of 100 interest rates are better at Capitec than GoTyme Bank. This means you are more likely to find a better interest rate at GoTyme Bank 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 7.7% for the 36-month fixed deposit. You will need a minimum deposit of R1,000,000 . Whilst at GoTyme Bank, the best interest rate you can get is 8.5841% for the 36-month fixed deposit. You will need a minimum deposit of R1 .
But how do interest rates at Capitec compare to GoTyme Bank across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows Capitec's and GoTyme 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 | Capitec1 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.70% | 8.11% | - -73 |
| R100,000 for 18+ | 6.80% | 8.11% | - -676 |
| R250,000 for 18+ | 6.90% | 8.11% | - -1,562 |
| R1,000,000 for 18+ | 7.15% | 8.11% | - -4,962 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above GoTyme Bank.
A negative amount means that GoTyme Bank offers more than Capitec.
You get a 7.15% interest rate at Capitec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 8.11%. Over 6 months you will earn R4,962 less in interest at Capitec compared GoTyme Bank.
1 year fixed deposit interest rates compared
This table shows Capitec's and GoTyme 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 | Capitec1 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.85% | 8.42% | - -168 |
| R100,000 for 18+ | 7.15% | 8.42% | - -1,361 |
| R250,000 for 18+ | 7.25% | 8.42% | - -3,135 |
| R1,000,000 for 18+ | 7.45% | 8.42% | - -10,402 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above GoTyme Bank.
A negative amount means that GoTyme Bank offers more than Capitec.
You get a 7.45% interest rate at Capitec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 8.42%. Over 12 months you will earn R10,402 less in interest at Capitec compared GoTyme Bank.
2 year fixed deposit interest rates compared
This table shows Capitec's and GoTyme 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 | Capitec1 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.95% | 8.52% | - -364 |
| R100,000 for 18+ | 7.50% | 8.52% | - -2,376 |
| R250,000 for 18+ | 7.55% | 8.52% | - -5,651 |
| R1,000,000 for 18+ | 7.65% | 8.52% | - -20,290 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above GoTyme Bank.
A negative amount means that GoTyme Bank offers more than Capitec.
You get a 7.65% interest rate at Capitec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 8.52%. Over 2 years you will earn R20,290 less in interest at Capitec compared GoTyme Bank.
3 year fixed deposit interest rates compared
This table shows Capitec's and GoTyme 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 | Capitec1 | GoTyme Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 8.58% | - -596 |
| R100,000 for 18+ | 7.60% | 8.58% | - -3,735 |
| R250,000 for 18+ | 7.65% | 8.58% | - -8,870 |
| R1,000,000 for 18+ | 7.70% | 8.58% | - -33,606 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at Capitec over and above GoTyme Bank.
A negative amount means that GoTyme Bank offers more than Capitec.
You get a 7.7% interest rate at Capitec for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 8.58%. Over 3 years you will earn R33,606 less in interest at Capitec compared GoTyme Bank.
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