Investec vs SA Retail Bonds

Interest rates compared

Last updated 2nd September 2024 by Walter

Introduction

This fixed deposit comparison page compares Investec interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Investec and SA Retail Bonds websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd September 2024.

How do Investec fixed deposit interest rates compare to SA Retail Bonds ?

You are more likely to find better interest rates at SA Retail Bonds than Investec. Specifically, 0 out of 100 interest rates are better at Investec than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 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)

Investec
9.10%
best rate
SA Retail Bonds
10.25%
best rate

The best interest rate you can get at Investec is 9.1% for the 12-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55. Whilst at SA Retail Bonds, the best interest rate you can get is 10.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 .

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

2 year fixed deposit interest rates compared

Investec vs SA Retail Bonds

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

Investment amount Investec1SA Retail Bonds1 Winner 2
R100,000 for 18+
8.16%
8.75%
-
-1,022
R100,000 for 55+
8.31%
8.75%
-
-674
R250,000 for 18+
8.16%
8.75%
-
-2,555
R250,000 for 55+
8.31%
8.75%
-
-1,686
R1,000,000 for 18+
8.16%
8.75%
-
-10,218
R1,000,000 for 55+
8.31%
8.75%
-
-6,745
R5,000,000 for 18+
8.16%
8.75%
-
-51,091
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Investec.
How to read this table?

You get a 8.16% interest rate at Investec for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 8.75%. Over 2 years you will earn R51,091 less in interest at Investec compared SA Retail Bonds.

5 year fixed deposit interest rates compared

Investec vs SA Retail Bonds

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

Investment amount Investec1SA Retail Bonds1 Winner 2
R100,000 for 18+
8.61%
10.25%
-
-11,239
R100,000 for 55+
8.91%
10.25%
-
-8,970
R250,000 for 18+
8.61%
10.25%
-
-28,097
R250,000 for 55+
8.91%
10.25%
-
-22,426
R1,000,000 for 18+
8.61%
10.25%
-
-112,389
R1,000,000 for 55+
8.91%
10.25%
-
-89,704
R5,000,000 for 18+
8.61%
10.25%
-
-561,947
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Investec.
How to read this table?

You get a 8.61% interest rate at Investec for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 10.25%. Over 5 years you will earn R561,947 less in interest at Investec compared SA Retail Bonds.

How do Investec interest rates compare to other banks?