SA Retail Bonds
vs
FNB
Interest rates compared
Introduction
This fixed deposit comparison page compares SA Retail Bonds interest rates to FNB interest rates. All the interest rates shown are sourced from the SA Retail Bonds and FNB websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th July 2025.
How do SA Retail Bonds fixed deposit interest rates compare to FNB ?
You are more likely to find better interest rates at SA Retail Bonds than FNB. Specifically, 100 out of 100 interest rates are better at SA Retail Bonds than FNB. This means you are more likely to find a better interest rate at FNB 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)
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 FNB, the best interest rate you can get is 8.4% for the 60-month fixed deposit. You will need a minimum deposit of R1,000,000 and be over the age of 55.
But how do interest rates at SA Retail Bonds compare to FNB across different terms and investment amounts?
2 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.50% | 7.30% | + 244 |
| R10,000 for 55+ | 8.50% | 7.55% | + 186 |
| R100,000 for 18+ | 8.50% | 7.30% | + 2,443 |
| R100,000 for 55+ | 8.50% | 7.55% | + 1,862 |
| R250,000 for 18+ | 8.50% | 7.40% | + 5,517 |
| R250,000 for 55+ | 8.50% | 7.65% | + 4,115 |
| R1,000,000 for 18+ | 8.50% | 7.60% | + 17,541 |
| R1,000,000 for 55+ | 8.50% | 7.90% | + 10,627 |
| R5,000,000 for 18+ | 8.50% | 7.60% | + 87,703 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above FNB.
A negative amount means that FNB offers more than SA Retail Bonds.
You get a 8.5% interest rate at SA Retail Bonds for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.60%. Over 2 years you will earn R87,703 more in interest at SA Retail Bonds compared FNB.
3 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.75% | 7.40% | + 450 |
| R10,000 for 55+ | 8.75% | 7.60% | + 377 |
| R100,000 for 18+ | 8.75% | 7.40% | + 4,504 |
| R100,000 for 55+ | 8.75% | 7.60% | + 3,772 |
| R250,000 for 18+ | 8.75% | 7.50% | + 10,390 |
| R250,000 for 55+ | 8.75% | 7.70% | + 8,470 |
| R1,000,000 for 18+ | 8.75% | 7.70% | + 33,879 |
| R1,000,000 for 55+ | 8.75% | 7.95% | + 24,411 |
| R5,000,000 for 18+ | 8.75% | 7.70% | + 169,397 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above FNB.
A negative amount means that FNB offers more than SA Retail Bonds.
You get a 8.75% interest rate at SA Retail Bonds for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). FNB's interest rate for the same terms is 7.70%. Over 3 years you will earn R169,397 more in interest at SA Retail Bonds compared FNB.
5 year fixed deposit interest rates compared
This table shows SA Retail Bonds's and FNB'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 | FNB1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 10.00% | 7.80% | + 1,541 |
| R10,000 for 55+ | 10.00% | 8.05% | + 1,356 |
| R100,000 for 18+ | 10.00% | 7.80% | + 15,412 |
| R100,000 for 55+ | 10.00% | 8.05% | + 13,560 |
| R250,000 for 18+ | 10.00% | 7.90% | + 36,649 |
| R250,000 for 55+ | 10.00% | 8.15% | + 32,002 |
| R1,000,000 for 18+ | 10.00% | 8.10% | + 131,464 |
| R1,000,000 for 55+ | 10.00% | 8.40% | + 109,233 |
| R5,000,000 for 18+ | 10.00% | 8.10% | + 657,320 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at SA Retail Bonds over and above FNB.
A negative amount means that FNB offers more than SA Retail Bonds.
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). FNB's interest rate for the same terms is 8.10%. Over 5 years you will earn R657,320 more in interest at SA Retail Bonds compared FNB.
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