SA Retail Bonds
vs
African Bank
Interest rates compared
Introduction
This fixed deposit comparison page compares SA Retail Bonds interest rates to African Bank interest rates. All the interest rates shown are sourced from the SA Retail Bonds and African 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 SA Retail Bonds fixed deposit interest rates compare to African Bank ?
You are more likely to find better interest rates at African Bank than SA Retail Bonds. Specifically, 0 out of 100 interest rates are better at SA Retail Bonds than African Bank. This means you are more likely to find a better interest rate at African Bank 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)
The best interest rate you can get at SA Retail Bonds is 7.75% for the 60-month fixed deposit. You will need a minimum deposit of R1 . Whilst at African Bank, the best interest rate you can get is 9.94% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 .
But how do interest rates at SA Retail Bonds compare to African Bank across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and African 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 | SA Retail Bonds1 | African Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.00% | 7.49% | - -135 |
| R100,000 for 18+ | 7.00% | 7.49% | - -1,354 |
| R250,000 for 18+ | 7.00% | 7.73% | - -4,772 |
| R1,000,000 for 18+ | 7.00% | 7.73% | - -19,089 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above African Bank.
A negative amount means that African Bank offers more than SA Retail Bonds.
You get a 7% interest rate at SA Retail Bonds for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). African Bank's interest rate for the same terms is 7.73%. Over 2 years you will earn R19,089 less in interest at SA Retail Bonds compared African Bank.
3 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and African Bank'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 Bonds1 | African Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.25% | 7.87% | - -271 |
| R100,000 for 18+ | 7.25% | 7.87% | - -2,714 |
| R250,000 for 18+ | 7.25% | 7.96% | - -7,633 |
| R1,000,000 for 18+ | 7.25% | 7.96% | - -30,534 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above African Bank.
A negative amount means that African Bank offers more than SA Retail Bonds.
You get a 7.25% interest rate at SA Retail Bonds for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). African Bank's interest rate for the same terms is 7.96%. Over 3 years you will earn R30,534 less in interest at SA Retail Bonds compared African Bank.
5 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and African 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 | SA Retail Bonds1 | African Bank1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.75% | 8.05% | - -310 |
| R100,000 for 18+ | 7.75% | 8.19% | - -4,142 |
| R250,000 for 18+ | 7.75% | 8.42% | - -14,674 |
| R1,000,000 for 18+ | 7.75% | 9.94% | - -177,872 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above African Bank.
A negative amount means that African Bank offers more than SA Retail Bonds.
You get a 7.75% interest rate at SA Retail Bonds for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). African Bank's interest rate for the same terms is 9.94%. Over 5 years you will earn R177,872 less in interest at SA Retail Bonds compared African Bank.
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