Investec vs Capitec

Interest rates compared

Last updated 31st July 2026 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 31st July 2026.

How do Investec fixed deposit interest rates compare to Capitec ?

You are more likely to find better interest rates at Investec than Capitec. Specifically, 93 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 7% 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
8.11%
best rate
Capitec
8.25%
best rate

The best interest rate you can get at Investec is 8.11% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Capitec, the best interest rate you can get is 8.25% 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+
7.51%
6.75%
+
391
R250,000 for 18+
7.51%
6.90%
+
786
R1,000,000 for 18+
7.51%
7.10%
+
2,113
  • 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 7.51% interest rate at Investec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.10%. Over 6 months you will earn R2,113 more in interest at Investec compared Capitec.

9 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 9 month fixed deposit.

Investment amount Investec1Capitec1 Winner 2
R100,000 for 18+
7.77%
6.80%
+
764
R250,000 for 18+
7.77%
7.10%
+
1,320
R1,000,000 for 18+
7.77%
7.25%
+
4,100
  • 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 7.77% interest rate at Investec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.25%. Over 9 months you will earn R4,100 more 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+
8.03%
6.95%
+
1,157
R250,000 for 18+
8.03%
7.25%
+
2,091
R1,000,000 for 18+
8.03%
7.30%
+
7,830
  • 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 8.03% interest rate at Investec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.30%. Over 12 months you will earn R7,830 more 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+
7.66%
7.35%
+
716
R250,000 for 18+
7.66%
7.40%
+
1,501
R1,000,000 for 18+
7.66%
7.45%
+
4,852
  • 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 7.66% interest rate at Investec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.45%. Over 2 years you will earn R4,852 more 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+
8.11%
7.80%
+
2,289
R250,000 for 18+
8.11%
8.00%
+
2,040
R1,000,000 for 18+
8.11%
8.25%
-
-10,451
  • 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 8.11% interest rate at Investec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 8.25%. Over 5 years you will earn R10,451 less in interest at Investec compared Capitec.

How do Investec interest rates compare to other banks?