Standard Bank vs Capitec

Interest rates compared

Last updated 1st May 2026 by Walter

Introduction

This fixed deposit comparison page compares Standard Bank interest rates to Capitec interest rates. All the interest rates shown are sourced from the Standard Bank 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 May 2026.

How do Standard Bank fixed deposit interest rates compare to Capitec ?

You are more likely to find better interest rates at Standard Bank than Capitec. Specifically, 81 out of 100 interest rates are better at Standard Bank than Capitec. This means you are more likely to find a better interest rate at Capitec 19% 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)

Standard Bank
8.07%
best rate
Capitec
7.60%
best rate

The best interest rate you can get at Standard Bank is 8.074382023527349% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . 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 Standard Bank compare to Capitec across different terms and investment amounts?

6 month fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.

Investment amount Standard Bank1Capitec1 Winner 2
R10,000 for 18+
5.96%
6.60%
-
-33
R100,000 for 18+
6.62%
6.75%
-
-66
R250,000 for 18+
6.62%
6.80%
-
-228
R1,000,000 for 18+
6.72%
6.85%
-
-687
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 6.716342952360144% interest rate at Standard Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 6.85%. Over 6 months you will earn R687 less in interest at Standard Bank compared Capitec.

9 month fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 9 month fixed deposit.

Investment amount Standard Bank1Capitec1 Winner 2
R10,000 for 18+
5.96%
6.65%
-
-54
R100,000 for 18+
6.92%
6.80%
+
98
R250,000 for 18+
6.92%
6.85%
+
147
R1,000,000 for 18+
7.02%
6.90%
+
933
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.018751283930413% interest rate at Standard Bank for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 6.90%. Over 9 months you will earn R933 more in interest at Standard Bank compared Capitec.

1 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.

Investment amount Standard Bank1Capitec1 Winner 2
R10,000 for 18+
6.45%
6.75%
-
-32
R100,000 for 18+
7.35%
6.95%
+
424
R250,000 for 18+
7.35%
7.00%
+
927
R1,000,000 for 18+
7.40%
7.05%
+
3,777
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.403537698241536% interest rate at Standard Bank for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.05%. Over 12 months you will earn R3,777 more in interest at Standard Bank compared Capitec.

1.5 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1.5 year fixed deposit.

Investment amount Standard Bank1Capitec1 Winner 2
R10,000 for 18+
6.81%
6.80%
+
2
R100,000 for 18+
7.52%
7.00%
+
873
R250,000 for 18+
7.52%
7.05%
+
1,974
R1,000,000 for 18+
7.52%
7.10%
+
7,068
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.524966004622158% interest rate at Standard Bank for a R1,000,000 investment in a 1.5 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.10%. Over 1.5 years you will earn R7,068 more in interest at Standard Bank compared Capitec.

2 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank'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 Standard Bank1Capitec1 Winner 2
R10,000 for 18+
6.92%
6.85%
+
15
R100,000 for 18+
7.61%
7.05%
+
1,286
R250,000 for 18+
7.61%
7.10%
+
2,929
R1,000,000 for 18+
7.61%
7.15%
+
10,569
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.6089531397719234% interest rate at Standard Bank 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 R10,569 more in interest at Standard Bank compared Capitec.

3 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank'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 Standard Bank1Capitec1 Winner 2
R10,000 for 18+
7.04%
6.90%
+
51
R100,000 for 18+
7.72%
7.10%
+
2,310
R250,000 for 18+
7.72%
7.15%
+
5,315
R1,000,000 for 18+
7.72%
7.20%
+
19,410
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.720836132004116% interest rate at Standard Bank 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 R19,410 more in interest at Standard Bank compared Capitec.

4 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank's and Capitec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 4 year fixed deposit.

Investment amount Standard Bank1Capitec1 Winner 2
R10,000 for 18+
7.20%
6.95%
+
131
R100,000 for 18+
7.85%
7.15%
+
3,759
R250,000 for 18+
7.85%
7.20%
+
8,737
R1,000,000 for 18+
7.85%
7.25%
+
32,295
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 7.851222353571163% interest rate at Standard Bank for a R1,000,000 investment in a 4 year fixed deposit (if you are older than 18). Capitec's interest rate for the same terms is 7.25%. Over 4 years you will earn R32,295 more in interest at Standard Bank compared Capitec.

5 year fixed deposit interest rates compared

Standard Bank vs Capitec

This table shows Standard Bank'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 Standard Bank1Capitec1 Winner 2
R10,000 for 18+
7.32%
7.20%
+
85
R100,000 for 18+
8.07%
7.40%
+
4,927
R250,000 for 18+
8.07%
7.45%
+
11,418
R1,000,000 for 18+
8.07%
7.60%
+
34,826
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Capitec.
    A negative amount means that Capitec offers more than Standard Bank.
How to read this table?

You get a 8.074382023527349% interest rate at Standard Bank 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 R34,826 more in interest at Standard Bank compared Capitec.

How do Standard Bank interest rates compare to other banks?