FNB vs GoTyme Bank

Interest rates compared

Last updated 31st July 2026 by Walter

Introduction

This fixed deposit comparison page compares FNB interest rates to GoTyme Bank interest rates. All the interest rates shown are sourced from the FNB 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 31st July 2026.

How do FNB fixed deposit interest rates compare to GoTyme Bank ?

You are more likely to find better interest rates at GoTyme Bank than FNB. Specifically, 0 out of 100 interest rates are better at FNB 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)

FNB
7.20%
best rate
GoTyme Bank
8.58%
best rate

The best interest rate you can get at FNB is 7.2% 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 FNB compare to GoTyme Bank across different terms and investment amounts?

3 month fixed deposit interest rates compared

FNB vs GoTyme Bank

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

Investment amount FNB1GoTyme Bank1 Winner 2
R10,000 for 18+
6.20%
7.70%
-
-38
R100,000 for 18+
6.20%
7.70%
-
-380
R250,000 for 18+
6.30%
7.70%
-
-887
R1,000,000 for 18+
6.50%
7.70%
-
-3,041
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above GoTyme Bank.
    A negative amount means that GoTyme Bank offers more than FNB.
How to read this table?

You get a 6.5% interest rate at FNB for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). GoTyme Bank's interest rate for the same terms is 7.70%. Over 3 months you will earn R3,041 less in interest at FNB compared GoTyme Bank.

6 month fixed deposit interest rates compared

FNB vs GoTyme Bank

This table shows FNB'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 FNB1GoTyme Bank1 Winner 2
R10,000 for 18+
6.45%
8.11%
-
-86
R100,000 for 18+
6.45%
8.11%
-
-856
R250,000 for 18+
6.55%
8.11%
-
-2,012
R1,000,000 for 18+
6.75%
8.11%
-
-7,021
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above GoTyme Bank.
    A negative amount means that GoTyme Bank offers more than FNB.
How to read this table?

You get a 6.75% interest rate at FNB 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 R7,021 less in interest at FNB compared GoTyme Bank.

1 year fixed deposit interest rates compared

FNB vs GoTyme Bank

This table shows FNB'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 FNB1GoTyme Bank1 Winner 2
R10,000 for 18+
6.75%
8.42%
-
-179
R100,000 for 18+
6.75%
8.42%
-
-1,787
R250,000 for 18+
6.85%
8.42%
-
-4,202
R1,000,000 for 18+
7.05%
8.42%
-
-14,676
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above GoTyme Bank.
    A negative amount means that GoTyme Bank offers more than FNB.
How to read this table?

You get a 7.05% interest rate at FNB 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 R14,676 less in interest at FNB compared GoTyme Bank.

2 year fixed deposit interest rates compared

FNB vs GoTyme Bank

This table shows FNB'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 FNB1GoTyme Bank1 Winner 2
R10,000 for 18+
6.85%
8.52%
-
-387
R100,000 for 18+
6.85%
8.52%
-
-3,867
R250,000 for 18+
6.95%
8.52%
-
-9,096
R1,000,000 for 18+
7.15%
8.52%
-
-31,809
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above GoTyme Bank.
    A negative amount means that GoTyme Bank offers more than FNB.
How to read this table?

You get a 7.15% interest rate at FNB 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 R31,809 less in interest at FNB compared GoTyme Bank.

3 year fixed deposit interest rates compared

FNB vs GoTyme Bank

This table shows FNB'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 FNB1GoTyme Bank1 Winner 2
R10,000 for 18+
6.90%
8.58%
-
-633
R100,000 for 18+
6.90%
8.58%
-
-6,328
R250,000 for 18+
7.00%
8.58%
-
-14,903
R1,000,000 for 18+
7.20%
8.58%
-
-52,235
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at FNB over and above GoTyme Bank.
    A negative amount means that GoTyme Bank offers more than FNB.
How to read this table?

You get a 7.2% interest rate at FNB 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 R52,235 less in interest at FNB compared GoTyme Bank.

How do FNB interest rates compare to other banks?