Standard Bank vs Capitec

Interest rates compared

Last updated 1st March 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 March 2026.

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

You are more likely to find better interest rates at Capitec than Standard Bank. Specifically, 0 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 100% 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
6.95%
best rate
Capitec
7.60%
best rate

The best interest rate you can get at Standard Bank is 6.95401962959048% 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+
5.72%
6.60%
-
-45
R100,000 for 18+
6.23%
6.75%
-
-265
R250,000 for 18+
6.23%
6.80%
-
-727
R1,000,000 for 18+
6.33%
6.85%
-
-2,681
  • 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 6.3281908337169845% 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 R2,681 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+
5.72%
6.65%
-
-73
R100,000 for 18+
6.25%
6.80%
-
-430
R250,000 for 18+
6.25%
6.85%
-
-1,174
R1,000,000 for 18+
6.35%
6.90%
-
-4,348
  • 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 6.345177663263701% 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 R4,348 less 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+
5.79%
6.75%
-
-101
R100,000 for 18+
6.29%
6.95%
-
-702
R250,000 for 18+
6.29%
7.00%
-
-1,888
R1,000,000 for 18+
6.38%
7.05%
-
-7,083
  • 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 6.383860066844527% 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 R7,083 less 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+
6.08%
6.80%
-
-119
R100,000 for 18+
6.56%
7.00%
-
-728
R250,000 for 18+
6.56%
7.05%
-
-2,026
R1,000,000 for 18+
6.56%
7.10%
-
-8,934
  • 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 6.559174955488167% 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 R8,934 less 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+
6.12%
6.85%
-
-166
R100,000 for 18+
6.60%
7.05%
-
-1,033
R250,000 for 18+
6.60%
7.10%
-
-2,868
R1,000,000 for 18+
6.60%
7.15%
-
-12,616
  • 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 6.59684049902749% 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 R12,616 less 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+
6.20%
6.90%
-
-254
R100,000 for 18+
6.66%
7.10%
-
-1,602
R250,000 for 18+
6.66%
7.15%
-
-4,468
R1,000,000 for 18+
6.66%
7.20%
-
-19,718
  • 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 6.662724095041206% 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 R19,718 less 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+
6.35%
6.95%
-
-310
R100,000 for 18+
6.78%
7.15%
-
-1,917
R250,000 for 18+
6.78%
7.20%
-
-5,454
R1,000,000 for 18+
6.78%
7.25%
-
-24,466
  • 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 6.784974464886329% 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 R24,466 less 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+
6.54%
7.20%
-
-462
R100,000 for 18+
6.95%
7.40%
-
-3,170
R250,000 for 18+
6.95%
7.45%
-
-8,825
R1,000,000 for 18+
6.95%
7.60%
-
-46,145
  • 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 6.95401962959048% 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 R46,145 less in interest at Standard Bank compared Capitec.

How do Standard Bank interest rates compare to other banks?