Investec vs Capitec

Interest rates compared

Last updated 2nd March 2025 by Walter

Introduction

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

How do Investec fixed deposit interest rates compare to Capitec ?

You are more likely to find better interest rates at Capitec than Investec. Specifically, 9 out of 100 interest rates are better at Investec than Capitec. This means you are more likely to find a better interest rate at Capitec 91% 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)

Investec
8.75%
best rate
Capitec
8.85%
best rate

The best interest rate you can get at Investec is 8.75% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55. Whilst at Capitec, the best interest rate you can get is 8.85% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .

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

6 month fixed deposit interest rates compared

Investec vs Capitec

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

Investment amount Investec1Capitec1 Winner 2
R100,000 for 18+
7.58%
7.75%
-
-87
R100,000 for 55+
7.73%
7.75%
-
-10
R250,000 for 18+
7.58%
7.80%
-
-277
R250,000 for 55+
7.73%
7.80%
-
-84
R1,000,000 for 18+
7.58%
8.00%
-
-2,164
R1,000,000 for 55+
7.73%
8.00%
-
-1,394
R5,000,000 for 18+
7.58%
8.00%
-
-10,822
R5,000,000 for 55+
7.73%
8.00%
-
-6,971
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Capitec.
    A negative amount means that Capitec offers more than Investec.
How to read this table?

You get a 7.73% interest rate at Investec for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). Capitec's interest rate for the same terms is 8.00%. Over 6 months you will earn R6,971 less in interest at Investec compared Capitec.

1 year fixed deposit interest rates compared

Investec vs Capitec

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

Investment amount Investec1Capitec1 Winner 2
R100,000 for 18+
8.05%
8.10%
-
-60
R100,000 for 55+
8.25%
8.10%
+
160
R250,000 for 18+
8.05%
8.15%
-
-275
R250,000 for 55+
8.25%
8.15%
+
275
R1,000,000 for 18+
8.05%
8.30%
-
-2,700
R1,000,000 for 55+
8.25%
8.30%
-
-500
R5,000,000 for 18+
8.05%
8.30%
-
-13,500
R5,000,000 for 55+
8.25%
8.30%
-
-2,500
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Capitec.
    A negative amount means that Capitec offers more than Investec.
How to read this table?

You get a 8.25% interest rate at Investec for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). Capitec's interest rate for the same terms is 8.30%. Over 12 months you will earn R2,500 less in interest at Investec compared Capitec.

2 year fixed deposit interest rates compared

Investec vs Capitec

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

Investment amount Investec1Capitec1 Winner 2
R100,000 for 18+
7.97%
8.20%
-
-542
R100,000 for 55+
8.12%
8.20%
-
-195
R250,000 for 18+
7.97%
8.25%
-
-1,626
R250,000 for 55+
8.12%
8.25%
-
-760
R1,000,000 for 18+
7.97%
8.40%
-
-9,982
R1,000,000 for 55+
8.12%
8.40%
-
-6,515
R5,000,000 for 18+
7.97%
8.40%
-
-49,910
R5,000,000 for 55+
8.12%
8.40%
-
-32,574
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Capitec.
    A negative amount means that Capitec offers more than Investec.
How to read this table?

You get a 8.12% interest rate at Investec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). Capitec's interest rate for the same terms is 8.40%. Over 2 years you will earn R32,574 less in interest at Investec compared Capitec.

5 year fixed deposit interest rates compared

Investec vs Capitec

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

Investment amount Investec1Capitec1 Winner 2
R100,000 for 18+
8.60%
8.65%
-
-353
R100,000 for 55+
8.75%
8.65%
+
778
R250,000 for 18+
8.60%
8.75%
-
-2,826
R250,000 for 55+
8.75%
8.75%
-
0
R1,000,000 for 18+
8.60%
8.85%
-
-19,116
R1,000,000 for 55+
8.75%
8.85%
-
-7,811
R5,000,000 for 18+
8.60%
8.85%
-
-95,580
R5,000,000 for 55+
8.75%
8.85%
-
-39,054
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Capitec.
    A negative amount means that Capitec offers more than Investec.
How to read this table?

You get a 8.75% interest rate at Investec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). Capitec's interest rate for the same terms is 8.85%. Over 5 years you will earn R39,054 less in interest at Investec compared Capitec.

How do Investec interest rates compare to other banks?