SA Retail Bonds vs Capitec

Interest rates compared

Last updated 1st March 2026 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 1st March 2026.

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, 75 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 25% 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
7.75%
best rate
Capitec
7.60%
best rate

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 Capitec, the best interest rate you can get is 7.6% 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+
7.00%
6.85%
+
11
R100,000 for 18+
7.00%
7.05%
-
-343
R250,000 for 18+
7.00%
7.10%
-
-1,143
R1,000,000 for 18+
7.00%
7.15%
-
-5,717
  • 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 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). Capitec's interest rate for the same terms is 7.15%. Over 2 years you will earn R5,717 less 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+
7.25%
6.90%
+
89
R100,000 for 18+
7.25%
7.10%
+
158
R250,000 for 18+
7.25%
7.15%
-
-66
R1,000,000 for 18+
7.25%
7.20%
-
-2,112
  • 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 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). Capitec's interest rate for the same terms is 7.20%. Over 3 years you will earn R2,112 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+
7.75%
7.20%
+
308
R100,000 for 18+
7.75%
7.40%
+
1,646
R250,000 for 18+
7.75%
7.45%
+
3,215
R1,000,000 for 18+
7.75%
7.60%
+
2,015
  • 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 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). Capitec's interest rate for the same terms is 7.60%. Over 5 years you will earn R2,015 more in interest at SA Retail Bonds compared Capitec.

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