FNB vs Access Bank Plc

Interest rates compared

Last updated 2nd April 2025 by Walter

Introduction

This fixed deposit comparison page compares FNB interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the FNB and Access Bank Plc websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd April 2025.

How do FNB fixed deposit interest rates compare to Access Bank Plc ?

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

FNB
8.60%
best rate
Access Bank Plc
9.50%
best rate

The best interest rate you can get at FNB is 8.6% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 and be over the age of 55. Whilst at Access Bank Plc, the best interest rate you can get is 9.5% for the 60-month fixed deposit. You will need a minimum deposit of R500 .

But how do interest rates at FNB compare to Access Bank Plc across different terms and investment amounts?

3 month fixed deposit interest rates compared

FNB vs Access Bank Plc

This table shows FNB's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
6.90%
8.10%
-
-30
R10,000 for 55+
7.00%
8.10%
-
-28
R10,000 for 55+
7.00%
8.10%
-
-28
R10,000 for 55+
6.90%
8.10%
-
-30
R100,000 for 18+
6.90%
8.10%
-
-305
R100,000 for 55+
7.00%
8.10%
-
-279
R100,000 for 55+
7.00%
8.10%
-
-279
R100,000 for 55+
6.90%
8.10%
-
-305
R250,000 for 18+
7.00%
8.10%
-
-697
R250,000 for 55+
7.10%
8.10%
-
-632
R250,000 for 55+
7.10%
8.10%
-
-632
R250,000 for 55+
7.00%
8.10%
-
-697
R1,000,000 for 18+
7.20%
8.10%
-
-2,290
R1,000,000 for 55+
7.30%
8.10%
-
-2,030
R1,000,000 for 55+
7.30%
8.10%
-
-2,030
R1,000,000 for 55+
7.20%
8.10%
-
-2,290
R5,000,000 for 18+
7.20%
8.10%
-
-11,451
R5,000,000 for 55+
7.30%
8.10%
-
-10,149
R5,000,000 for 55+
7.30%
8.10%
-
-10,149
R5,000,000 for 55+
7.20%
8.10%
-
-11,451
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 7.2% interest rate at FNB for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.10%. Over 3 months you will earn R11,451 less in interest at FNB compared Access Bank Plc.

6 month fixed deposit interest rates compared

FNB vs Access Bank Plc

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

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
7.05%
8.35%
-
-67
R10,000 for 55+
7.15%
8.35%
-
-62
R10,000 for 55+
7.15%
8.35%
-
-62
R10,000 for 55+
7.05%
8.35%
-
-67
R100,000 for 18+
7.05%
8.35%
-
-674
R100,000 for 55+
7.15%
8.35%
-
-621
R100,000 for 55+
7.15%
8.35%
-
-621
R100,000 for 55+
7.05%
8.35%
-
-674
R250,000 for 18+
7.15%
8.35%
-
-1,551
R250,000 for 55+
7.25%
8.35%
-
-1,419
R250,000 for 55+
7.25%
8.35%
-
-1,419
R250,000 for 55+
7.15%
8.35%
-
-1,551
R1,000,000 for 18+
7.35%
8.35%
-
-5,193
R1,000,000 for 55+
7.50%
8.35%
-
-4,422
R1,000,000 for 55+
7.50%
8.35%
-
-4,422
R1,000,000 for 55+
7.35%
8.35%
-
-5,193
R5,000,000 for 18+
7.35%
8.35%
-
-25,964
R5,000,000 for 55+
7.50%
8.35%
-
-22,109
R5,000,000 for 55+
7.50%
8.35%
-
-22,109
R5,000,000 for 55+
7.35%
8.35%
-
-25,964
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 7.35% interest rate at FNB for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.35%. Over 6 months you will earn R25,964 less in interest at FNB compared Access Bank Plc.

1 year fixed deposit interest rates compared

FNB vs Access Bank Plc

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

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
7.55%
8.88%
-
-143
R10,000 for 55+
7.95%
8.88%
-
-100
R10,000 for 55+
7.95%
8.88%
-
-100
R10,000 for 55+
7.55%
8.88%
-
-143
R100,000 for 18+
7.55%
8.88%
-
-1,430
R100,000 for 55+
7.95%
8.88%
-
-1,000
R100,000 for 55+
7.95%
8.88%
-
-1,000
R100,000 for 55+
7.55%
8.88%
-
-1,430
R250,000 for 18+
7.65%
8.88%
-
-3,325
R250,000 for 55+
8.05%
8.88%
-
-2,250
R250,000 for 55+
8.05%
8.88%
-
-2,250
R250,000 for 55+
7.65%
8.88%
-
-3,325
R1,000,000 for 18+
7.85%
8.88%
-
-11,100
R1,000,000 for 55+
8.25%
8.88%
-
-6,800
R1,000,000 for 55+
8.25%
8.88%
-
-6,800
R1,000,000 for 55+
7.85%
8.88%
-
-11,100
R5,000,000 for 18+
7.85%
8.88%
-
-55,500
R5,000,000 for 55+
8.25%
8.88%
-
-34,000
R5,000,000 for 55+
8.25%
8.88%
-
-34,000
R5,000,000 for 55+
7.85%
8.88%
-
-55,500
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 7.85% interest rate at FNB for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 8.88%. Over 12 months you will earn R55,500 less in interest at FNB compared Access Bank Plc.

2 year fixed deposit interest rates compared

FNB vs Access Bank Plc

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

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
7.55%
9.00%
-
-339
R10,000 for 55+
7.75%
9.00%
-
-294
R10,000 for 55+
7.75%
9.00%
-
-294
R10,000 for 55+
7.55%
9.00%
-
-339
R100,000 for 18+
7.55%
9.00%
-
-3,388
R100,000 for 55+
7.75%
9.00%
-
-2,935
R100,000 for 55+
7.75%
9.00%
-
-2,935
R100,000 for 55+
7.55%
9.00%
-
-3,388
R250,000 for 18+
7.65%
9.00%
-
-7,931
R250,000 for 55+
7.85%
9.00%
-
-6,743
R250,000 for 55+
7.85%
9.00%
-
-6,743
R250,000 for 55+
7.65%
9.00%
-
-7,931
R1,000,000 for 18+
7.85%
9.00%
-
-26,972
R1,000,000 for 55+
8.10%
9.00%
-
-21,126
R1,000,000 for 55+
8.10%
9.00%
-
-21,126
R1,000,000 for 55+
7.85%
9.00%
-
-26,972
R5,000,000 for 18+
7.85%
9.00%
-
-134,862
R5,000,000 for 55+
8.10%
9.00%
-
-105,628
R5,000,000 for 55+
8.10%
9.00%
-
-105,628
R5,000,000 for 55+
7.85%
9.00%
-
-134,862
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 7.85% interest rate at FNB for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 9.00%. Over 2 years you will earn R134,862 less in interest at FNB compared Access Bank Plc.

3 year fixed deposit interest rates compared

FNB vs Access Bank Plc

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

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
7.65%
9.10%
-
-557
R10,000 for 55+
7.75%
9.10%
-
-518
R10,000 for 55+
7.75%
9.10%
-
-518
R10,000 for 55+
7.65%
9.10%
-
-557
R100,000 for 18+
7.65%
9.10%
-
-5,566
R100,000 for 55+
7.75%
9.10%
-
-5,181
R100,000 for 55+
7.75%
9.10%
-
-5,181
R100,000 for 55+
7.65%
9.10%
-
-5,566
R250,000 for 18+
7.75%
9.10%
-
-12,953
R250,000 for 55+
7.85%
9.10%
-
-11,989
R250,000 for 55+
7.85%
9.10%
-
-11,989
R250,000 for 55+
7.75%
9.10%
-
-12,953
R1,000,000 for 18+
7.95%
9.10%
-
-44,092
R1,000,000 for 55+
8.10%
9.10%
-
-38,459
R1,000,000 for 55+
8.10%
9.10%
-
-38,459
R1,000,000 for 55+
7.95%
9.10%
-
-44,092
R5,000,000 for 18+
7.95%
9.10%
-
-220,462
R5,000,000 for 55+
8.10%
9.10%
-
-192,297
R5,000,000 for 55+
8.10%
9.10%
-
-192,297
R5,000,000 for 55+
7.95%
9.10%
-
-220,462
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 7.95% interest rate at FNB for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 9.10%. Over 3 years you will earn R220,462 less in interest at FNB compared Access Bank Plc.

5 year fixed deposit interest rates compared

FNB vs Access Bank Plc

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

Investment amount FNB1Access Bank Plc1 Winner 2
R10,000 for 18+
8.05%
9.50%
-
-1,114
R10,000 for 55+
8.25%
9.50%
-
-961
R10,000 for 55+
8.25%
9.50%
-
-961
R10,000 for 55+
8.05%
9.50%
-
-1,114
R100,000 for 18+
8.05%
9.50%
-
-11,137
R100,000 for 55+
8.25%
9.50%
-
-9,615
R100,000 for 55+
8.25%
9.50%
-
-9,615
R100,000 for 55+
8.05%
9.50%
-
-11,137
R250,000 for 18+
8.15%
9.50%
-
-25,944
R250,000 for 55+
8.35%
9.50%
-
-22,123
R250,000 for 55+
8.35%
9.50%
-
-22,123
R250,000 for 55+
8.15%
9.50%
-
-25,944
R1,000,000 for 18+
8.35%
9.50%
-
-88,491
R1,000,000 for 55+
8.60%
9.50%
-
-69,564
R1,000,000 for 55+
8.60%
9.50%
-
-69,564
R1,000,000 for 55+
8.35%
9.50%
-
-88,491
R5,000,000 for 18+
8.35%
9.50%
-
-442,456
R5,000,000 for 55+
8.60%
9.50%
-
-347,819
R5,000,000 for 55+
8.60%
9.50%
-
-347,819
R5,000,000 for 55+
8.35%
9.50%
-
-442,456
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above Access Bank Plc.
    A negative amount means that Access Bank Plc offers more than FNB.
How to read this table?

You get a 8.35% interest rate at FNB for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Access Bank Plc's interest rate for the same terms is 9.50%. Over 5 years you will earn R442,456 less in interest at FNB compared Access Bank Plc.