SA Retail Bonds vs Capitec

Interest rates compared

Last updated 2nd February 2025 by Walter

Introduction

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

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

You are more likely to find better interest rates at SA Retail Bonds than Capitec. Specifically, 100 out of 100 interest rates are better at SA Retail Bonds than Capitec. This means you are more likely to find a better interest rate at Capitec 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
10.00%
best rate
Capitec
8.85%
best rate

The best interest rate you can get at SA Retail Bonds is 10% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 . Whilst at Capitec, the best interest rate you can get is 8.85% 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 Capitec across different terms and investment amounts?

2 year fixed deposit interest rates compared

SA Retail Bonds vs Capitec

This table shows SA Retail Bonds's and Capitec'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 Bonds1Capitec1 Winner 2
R10,000 for 18+
8.75%
8.10%
+
115
R10,000 for 55+
8.75%
8.10%
+
115
R100,000 for 18+
8.75%
8.20%
+
913
R100,000 for 55+
8.75%
8.20%
+
913
R250,000 for 18+
8.75%
8.25%
+
2,012
R250,000 for 55+
8.75%
8.25%
+
2,012
R1,000,000 for 18+
8.75%
8.40%
+
4,571
R1,000,000 for 55+
8.75%
8.40%
+
4,571
R5,000,000 for 18+
8.75%
8.40%
+
22,855
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
    A negative amount means that Capitec offers more than SA Retail Bonds.
How to read this table?

You get a 8.75% interest rate at SA Retail Bonds for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 8.40%. Over 2 years you will earn R22,855 more in interest at SA Retail Bonds compared Capitec.

3 year fixed deposit interest rates compared

SA Retail Bonds vs Capitec

This table shows SA Retail Bonds's and Capitec'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 Bonds1Capitec1 Winner 2
R10,000 for 18+
9.25%
8.20%
+
335
R10,000 for 55+
9.25%
8.20%
+
335
R100,000 for 18+
9.25%
8.25%
+
3,173
R100,000 for 55+
9.25%
8.25%
+
3,173
R250,000 for 18+
9.25%
8.30%
+
7,491
R250,000 for 55+
9.25%
8.30%
+
7,491
R1,000,000 for 18+
9.25%
8.45%
+
23,936
R1,000,000 for 55+
9.25%
8.45%
+
23,936
R5,000,000 for 18+
9.25%
8.45%
+
119,678
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
    A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 8.45%. Over 3 years you will earn R119,678 more in interest at SA Retail Bonds compared Capitec.

5 year fixed deposit interest rates compared

SA Retail Bonds vs Capitec

This table shows SA Retail Bonds's and Capitec'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 Bonds1Capitec1 Winner 2
R10,000 for 18+
10.00%
8.60%
+
938
R10,000 for 55+
10.00%
8.60%
+
938
R100,000 for 18+
10.00%
8.65%
+
9,027
R100,000 for 55+
10.00%
8.65%
+
9,027
R250,000 for 18+
10.00%
8.75%
+
20,623
R250,000 for 55+
10.00%
8.75%
+
20,623
R1,000,000 for 18+
10.00%
8.85%
+
74,680
R1,000,000 for 55+
10.00%
8.85%
+
74,680
R5,000,000 for 18+
10.00%
8.85%
+
373,402
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Capitec.
    A negative amount means that Capitec offers more than SA Retail Bonds.
How to read this table?

You get a 10% interest rate at SA Retail Bonds for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 8.85%. Over 5 years you will earn R373,402 more in interest at SA Retail Bonds compared Capitec.

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