SA Retail Bonds vs Investec

Interest rates compared

Last updated 3rd August 2025 by Walter

Introduction

This fixed deposit comparison page compares SA Retail Bonds interest rates to Investec interest rates. All the interest rates shown are sourced from the SA Retail Bonds and Investec websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 4th August 2025.

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

You are more likely to find better interest rates at SA Retail Bonds than Investec. Specifically, 100 out of 100 interest rates are better at SA Retail Bonds than Investec. This means you are more likely to find a better interest rate at Investec 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
9.25%
best rate
Investec
8.04%
best rate

The best interest rate you can get at SA Retail Bonds is 9.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 . Whilst at Investec, the best interest rate you can get is 8.04% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55.

But how do interest rates at SA Retail Bonds compare to Investec across different terms and investment amounts?

2 year fixed deposit interest rates compared

SA Retail Bonds vs Investec

This table shows SA Retail Bonds's and Investec'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 Bonds1Investec1 Winner 2
R100,000 for 18+
8.25%
7.35%
+
1,771
R100,000 for 55+
8.25%
7.50%
+
1,427
R250,000 for 18+
8.25%
7.35%
+
4,428
R250,000 for 55+
8.25%
7.50%
+
3,567
R1,000,000 for 18+
8.25%
7.35%
+
17,714
R1,000,000 for 55+
8.25%
7.50%
+
14,268
R5,000,000 for 18+
8.25%
7.35%
+
88,568
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Investec.
    A negative amount means that Investec offers more than SA Retail Bonds.
How to read this table?

You get a 8.25% interest rate at SA Retail Bonds for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.35%. Over 2 years you will earn R88,568 more in interest at SA Retail Bonds compared Investec.

5 year fixed deposit interest rates compared

SA Retail Bonds vs Investec

This table shows SA Retail Bonds's and Investec'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 Bonds1Investec1 Winner 2
R100,000 for 18+
9.25%
7.89%
+
8,975
R100,000 for 55+
9.25%
8.04%
+
7,876
R250,000 for 18+
9.25%
7.89%
+
22,438
R250,000 for 55+
9.25%
8.04%
+
19,691
R1,000,000 for 18+
9.25%
7.89%
+
89,752
R1,000,000 for 55+
9.25%
8.04%
+
78,763
R5,000,000 for 18+
9.25%
7.89%
+
448,761
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at SA Retail Bonds over and above Investec.
    A negative amount means that Investec 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 5 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.89%. Over 5 years you will earn R448,761 more in interest at SA Retail Bonds compared Investec.

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