Standard Bank
vs
Capitec
Interest rates compared
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 2nd November 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, 72 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 28% 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 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 8.4% 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
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.33% | 6.70% | - -19 |
| R100,000 for 18+ | 6.94% | 6.80% | + 73 |
| R250,000 for 18+ | 6.94% | 6.90% | + 54 |
| R1,000,000 for 18+ | 7.04% | 7.15% | - -589 |
- 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.
You get a 7.035631524018271% 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 7.15%. Over 6 months you will earn R589 less in interest at Standard Bank compared Capitec.
9 month fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.33% | 6.80% | - -37 |
| R100,000 for 18+ | 7.17% | 6.85% | + 252 |
| R250,000 for 18+ | 7.17% | 7.10% | + 139 |
| R1,000,000 for 18+ | 7.26% | 7.40% | - -1,069 |
- 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.
You get a 7.264196759506447% 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 7.40%. Over 9 months you will earn R1,069 less in interest at Standard Bank compared Capitec.
1 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 6.78% | 6.85% | - -7 |
| R100,000 for 18+ | 7.30% | 7.15% | + 161 |
| R250,000 for 18+ | 7.30% | 7.25% | + 135 |
| R1,000,000 for 18+ | 7.53% | 7.45% | + 903 |
- 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.
You get a 7.534301082272776% 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 7.45%. Over 12 months you will earn R903 more in interest at Standard Bank compared Capitec.
1.5 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.23% | 6.90% | + 54 |
| R100,000 for 18+ | 7.64% | 7.30% | + 562 |
| R250,000 for 18+ | 7.64% | 7.35% | + 1,196 |
| R1,000,000 for 18+ | 7.64% | 7.50% | + 2,286 |
- 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.
You get a 7.636934578939236% 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 7.50%. Over 1.5 years you will earn R2,286 more in interest at Standard Bank compared Capitec.
2 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.28% | 6.95% | + 76 |
| R100,000 for 18+ | 7.73% | 7.50% | + 532 |
| R250,000 for 18+ | 7.73% | 7.55% | + 1,042 |
| R1,000,000 for 18+ | 7.73% | 7.65% | + 1,857 |
- 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.
You get a 7.730154570164416% 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 7.65%. Over 2 years you will earn R1,857 more in interest at Standard Bank compared Capitec.
3 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.43% | 7.00% | + 160 |
| R100,000 for 18+ | 7.85% | 7.60% | + 943 |
| R250,000 for 18+ | 7.85% | 7.65% | + 1,891 |
| R1,000,000 for 18+ | 7.85% | 7.70% | + 5,687 |
- 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.
You get a 7.851222353571163% 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 7.70%. Over 3 years you will earn R5,687 more in interest at Standard Bank compared Capitec.
4 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.56% | 7.25% | + 167 |
| R100,000 for 18+ | 7.96% | 7.70% | + 1,427 |
| R250,000 for 18+ | 7.96% | 8.15% | - -2,563 |
| R1,000,000 for 18+ | 7.96% | 8.20% | - -13,004 |
- 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.
You get a 7.962858875157863% 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 8.20%. Over 4 years you will earn R13,004 less in interest at Standard Bank compared Capitec.
5 year fixed deposit interest rates compared
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 Bank1 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.69% | 7.50% | + 140 |
| R100,000 for 18+ | 8.07% | 8.00% | + 551 |
| R250,000 for 18+ | 8.07% | 8.35% | - -5,152 |
| R1,000,000 for 18+ | 8.07% | 8.40% | - -24,376 |
- 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.
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 8.40%. Over 5 years you will earn R24,376 less in interest at Standard Bank compared Capitec.
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