Investec vs Standard Bank

Interest rates compared

Last updated 2nd June 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 2nd June 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, 83 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 17% 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
8.06%
best rate
Standard Bank
7.88%
best rate

The best interest rate you can get at Investec is 8.06% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Standard Bank, the best interest rate you can get is 7.8791421258871175% 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+
6.50%
6.46%
+
3
R250,000 for 18+
6.50%
6.46%
+
8
R1,000,000 for 18+
6.50%
6.55%
-
-45
  • 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 6.5% 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 6.55%. Over 1 months you will earn R45 less 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+
6.53%
6.54%
-
-1
R250,000 for 18+
6.53%
6.54%
-
-2
R1,000,000 for 18+
6.53%
6.63%
-
-167
  • 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 6.53% 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 6.63%. Over 2 months you will earn R167 less 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%
6.59%
+
105
R250,000 for 18+
7.00%
6.59%
+
262
R1,000,000 for 18+
7.00%
6.68%
+
810
  • 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 6.68%. Over 3 months you will earn R810 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+
6.64%
6.59%
+
17
R250,000 for 18+
6.64%
6.59%
+
42
R1,000,000 for 18+
6.64%
6.68%
-
-150
  • 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 6.64% 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 6.68%. Over 4 months you will earn R150 less 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+
6.77%
6.59%
+
75
R250,000 for 18+
6.77%
6.59%
+
186
R1,000,000 for 18+
6.77%
6.69%
+
345
  • 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 6.77% 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 6.69%. Over 5 months you will earn R345 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%
6.62%
+
329
R250,000 for 18+
7.26%
6.62%
+
822
R1,000,000 for 18+
7.26%
6.72%
+
2,803
  • 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 6.72%. Over 6 months you will earn R2,803 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%
6.84%
+
538
R250,000 for 18+
7.52%
6.84%
+
1,346
R1,000,000 for 18+
7.52%
6.93%
+
4,646
  • 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 6.93%. Over 9 months you will earn R4,646 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%
7.35%
+
464
R250,000 for 18+
7.78%
7.35%
+
1,159
R1,000,000 for 18+
7.78%
7.40%
+
4,035
  • 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 7.40%. Over 12 months you will earn R4,035 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+
7.66%
7.52%
+
334
R250,000 for 18+
7.66%
7.52%
+
834
R1,000,000 for 18+
7.66%
7.52%
+
3,338
  • 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 7.66% 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 7.52%. Over 2 years you will earn R3,338 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+
8.06%
7.88%
+
1,336
R250,000 for 18+
8.06%
7.88%
+
3,341
R1,000,000 for 18+
8.06%
7.88%
+
13,363
  • 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 8.06% 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 7.88%. Over 5 years you will earn R13,363 more in interest at Investec compared Standard Bank.

How do Investec interest rates compare to other banks?