Investec vs Standard Bank

Interest rates compared

Last updated 1st March 2026 by Walter

Introduction

This fixed deposit comparison page compares Investec interest rates to Standard Bank interest rates. All the interest rates shown are sourced from the Investec and Standard Bank websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 1st March 2026.

How do Investec fixed deposit interest rates compare to Standard Bank ?

You are more likely to find better interest rates at Investec than Standard Bank. Specifically, 100 out of 100 interest rates are better at Investec than Standard Bank. This means you are more likely to find a better interest rate at Standard Bank 0% 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
7.78%
best rate
Standard Bank
6.95%
best rate

The best interest rate you can get at Investec is 7.78% for the 12-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Standard Bank, the best interest rate you can get is 6.95401962959048% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 .

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

1 month fixed deposit interest rates compared

Investec vs Standard Bank

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

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
6.40%
6.20%
+
17
R250,000 for 18+
6.40%
6.20%
+
42
R1,000,000 for 18+
6.40%
6.30%
+
87
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 6.4% interest rate at Investec for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.30%. Over 1 months you will earn R87 more in interest at Investec compared Standard Bank.

2 month fixed deposit interest rates compared

Investec vs Standard Bank

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

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
6.41%
6.21%
+
34
R250,000 for 18+
6.41%
6.21%
+
85
R1,000,000 for 18+
6.41%
6.30%
+
183
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 6.41% interest rate at Investec for a R1,000,000 investment in a 2 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.30%. Over 2 months you will earn R183 more in interest at Investec compared Standard Bank.

3 month fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard 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 Investec1Standard Bank1 Winner 2
R100,000 for 18+
7.00%
6.21%
+
198
R250,000 for 18+
7.00%
6.21%
+
496
R1,000,000 for 18+
7.00%
6.31%
+
1,746
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 7% interest rate at Investec for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.31%. Over 3 months you will earn R1,746 more in interest at Investec compared Standard Bank.

4 month fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 month fixed deposit.

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
6.40%
6.22%
+
60
R250,000 for 18+
6.40%
6.22%
+
151
R1,000,000 for 18+
6.40%
6.32%
+
285
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 6.4% interest rate at Investec for a R1,000,000 investment in a 4 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.32%. Over 4 months you will earn R285 more in interest at Investec compared Standard Bank.

5 month fixed deposit interest rates compared

Investec vs Standard Bank

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

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
6.40%
6.23%
+
74
R250,000 for 18+
6.40%
6.23%
+
184
R1,000,000 for 18+
6.40%
6.32%
+
334
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 6.4% interest rate at Investec for a R1,000,000 investment in a 5 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.32%. Over 5 months you will earn R334 more in interest at Investec compared Standard Bank.

6 month fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard 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 Investec1Standard Bank1 Winner 2
R100,000 for 18+
7.26%
6.23%
+
528
R250,000 for 18+
7.26%
6.23%
+
1,319
R1,000,000 for 18+
7.26%
6.33%
+
4,792
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 7.26% interest rate at Investec for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.33%. Over 6 months you will earn R4,792 more in interest at Investec compared Standard Bank.

9 month fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard Bank's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
7.52%
6.25%
+
997
R250,000 for 18+
7.52%
6.25%
+
2,491
R1,000,000 for 18+
7.52%
6.35%
+
9,227
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 7.52% interest rate at Investec for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.35%. Over 9 months you will earn R9,227 more in interest at Investec compared Standard Bank.

1 year fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard 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 Investec1Standard Bank1 Winner 2
R100,000 for 18+
7.78%
6.29%
+
1,590
R250,000 for 18+
7.78%
6.29%
+
3,974
R1,000,000 for 18+
7.78%
6.38%
+
14,895
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 7.78% interest rate at Investec for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.38%. Over 12 months you will earn R14,895 more in interest at Investec compared Standard Bank.

2 year fixed deposit interest rates compared

Investec vs Standard Bank

This table shows Investec's and Standard 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 Investec1Standard Bank1 Winner 2
R100,000 for 18+
6.72%
6.60%
+
280
R250,000 for 18+
6.72%
6.60%
+
699
R1,000,000 for 18+
6.72%
6.60%
+
2,797
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 6.72% interest rate at Investec for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.60%. Over 2 years you will earn R2,797 more in interest at Investec compared Standard Bank.

5 year fixed deposit interest rates compared

Investec vs Standard Bank

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

Investment amount Investec1Standard Bank1 Winner 2
R100,000 for 18+
7.12%
6.95%
+
1,172
R250,000 for 18+
7.12%
6.95%
+
2,929
R1,000,000 for 18+
7.12%
6.95%
+
11,718
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Investec over and above Standard Bank.
    A negative amount means that Standard Bank offers more than Investec.
How to read this table?

You get a 7.12% interest rate at Investec for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Standard Bank's interest rate for the same terms is 6.95%. Over 5 years you will earn R11,718 more in interest at Investec compared Standard Bank.

How do Investec interest rates compare to other banks?