SA Retail Bonds vs Absa

Interest rates compared

Last updated 2nd April 2025 by Walter

Introduction

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

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

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

SA Retail Bonds
10.25%
best rate
Absa
8.50%
best rate

The best interest rate you can get at SA Retail Bonds is 10.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 . Whilst at Absa, the best interest rate you can get is 8.5% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 and be over the age of 55.

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

2 year fixed deposit interest rates compared

SA Retail Bonds vs Absa

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

Investment amount SA Retail Bonds1Absa1 Winner 2
R10,000 for 18+
9.00%
7.85%
+
230
R10,000 for 55+
9.00%
7.90%
+
220
R100,000 for 18+
9.00%
7.85%
+
2,304
R100,000 for 55+
9.00%
7.90%
+
2,196
R250,000 for 18+
9.00%
7.85%
+
5,760
R250,000 for 55+
9.00%
7.90%
+
5,489
R1,000,000 for 18+
9.00%
7.85%
+
23,038
R1,000,000 for 55+
9.00%
7.90%
+
21,956
R5,000,000 for 18+
9.00%
7.85%
+
115,190
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Absa.
    A negative amount means that Absa offers more than SA Retail Bonds.
How to read this table?

You get a 9% interest rate at SA Retail Bonds for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). Absa's interest rate for the same terms is 7.85%. Over 2 years you will earn R115,190 more in interest at SA Retail Bonds compared Absa.

3 year fixed deposit interest rates compared

SA Retail Bonds vs Absa

This table shows SA Retail Bonds's and Absa's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.

Investment amount SA Retail Bonds1Absa1 Winner 2
R10,000 for 18+
9.25%
8.10%
+
374
R10,000 for 55+
9.25%
8.30%
+
300
R100,000 for 18+
9.25%
8.10%
+
3,738
R100,000 for 55+
9.25%
8.30%
+
2,996
R250,000 for 18+
9.25%
8.10%
+
9,345
R250,000 for 55+
9.25%
8.30%
+
7,491
R1,000,000 for 18+
9.25%
8.10%
+
37,381
R1,000,000 for 55+
9.25%
8.30%
+
29,962
R5,000,000 for 18+
9.25%
8.10%
+
186,904
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Absa.
    A negative amount means that Absa offers more than SA Retail Bonds.
How to read this table?

You get a 9.25% interest rate at SA Retail Bonds for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). Absa's interest rate for the same terms is 8.10%. Over 3 years you will earn R186,904 more in interest at SA Retail Bonds compared Absa.

5 year fixed deposit interest rates compared

SA Retail Bonds vs Absa

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

Investment amount SA Retail Bonds1Absa1 Winner 2
R10,000 for 18+
10.25%
8.45%
+
1,243
R10,000 for 55+
10.25%
8.50%
+
1,208
R100,000 for 18+
10.25%
8.45%
+
12,433
R100,000 for 55+
10.25%
8.50%
+
12,083
R250,000 for 18+
10.25%
8.45%
+
31,083
R250,000 for 55+
10.25%
8.50%
+
30,207
R1,000,000 for 18+
10.25%
8.45%
+
124,333
R1,000,000 for 55+
10.25%
8.50%
+
120,828
R5,000,000 for 18+
10.25%
8.45%
+
621,665
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Absa.
    A negative amount means that Absa offers more than SA Retail Bonds.
How to read this table?

You get a 10.25% interest rate at SA Retail Bonds for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). Absa's interest rate for the same terms is 8.45%. Over 5 years you will earn R621,665 more in interest at SA Retail Bonds compared Absa.

How do SA Retail Bonds interest rates compare to other banks?