SA Retail Bonds vs Capitec

Interest rates compared

Last updated 2nd April 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 April 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
10.25%
best rate
Capitec
8.85%
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 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+
9.00%
8.10%
+
172
R10,000 for 55+
9.00%
8.10%
+
172
R100,000 for 18+
9.00%
8.20%
+
1,480
R100,000 for 55+
9.00%
8.20%
+
1,480
R250,000 for 18+
9.00%
8.25%
+
3,430
R250,000 for 55+
9.00%
8.25%
+
3,430
R1,000,000 for 18+
9.00%
8.40%
+
10,243
R1,000,000 for 55+
9.00%
8.40%
+
10,243
R5,000,000 for 18+
9.00%
8.40%
+
51,214
  • 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% 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 R51,214 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+
10.25%
8.60%
+
1,131
R10,000 for 55+
10.25%
8.60%
+
1,131
R100,000 for 18+
10.25%
8.65%
+
10,957
R100,000 for 55+
10.25%
8.65%
+
10,957
R250,000 for 18+
10.25%
8.75%
+
25,447
R250,000 for 55+
10.25%
8.75%
+
25,447
R1,000,000 for 18+
10.25%
8.85%
+
93,978
R1,000,000 for 55+
10.25%
8.85%
+
93,978
R5,000,000 for 18+
10.25%
8.85%
+
469,891
  • 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 10.25% interest rate at SA Retail Bonds for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 8.85%. Over 5 years you will earn R469,891 more in interest at SA Retail Bonds compared Capitec.

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