Standard Bank vs FNB

Interest rates compared

Last updated 1st July 2025 by Walter

Introduction

This fixed deposit comparison page compares Standard Bank interest rates to FNB interest rates. All the interest rates shown are sourced from the Standard Bank 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 Standard Bank fixed deposit interest rates compare to FNB ?

You are more likely to find better interest rates at FNB than Standard Bank. Specifically, 43 out of 100 interest rates are better at Standard Bank than FNB. This means you are more likely to find a better interest rate at FNB 57% 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
8.16%
best rate
FNB
8.40%
best rate

The best interest rate you can get at Standard Bank is 8.16% for the 60-month fixed deposit. You will need a minimum deposit of R10,000 and be over the age of 55. 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 Standard Bank compare to FNB across different terms and investment amounts?

3 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.

Investment amount Standard Bank1FNB1 Winner 2
R10,000 for 18+
6.49%
6.65%
-
-4
R10,000 for 55+
6.99%
6.85%
+
4
R100,000 for 18+
7.04%
6.65%
+
97
R100,000 for 55+
7.04%
6.85%
+
47
R250,000 for 18+
7.04%
6.75%
+
184
R250,000 for 55+
7.04%
6.95%
+
53
R1,000,000 for 18+
7.13%
6.95%
+
451
R1,000,000 for 55+
7.13%
7.15%
-
-47
R5,000,000 for 18+
7.21%
6.95%
+
3,201
R5,000,000 for 55+
7.21%
7.15%
+
711
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.21% interest rate at Standard Bank for a R5,000,000 investment in a 3 month fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.15%. Over 3 months you will earn R711 more in interest at Standard Bank compared FNB.

6 month fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
6.49%
6.80%
-
-16
R10,000 for 55+
6.99%
7.00%
-
0
R100,000 for 18+
7.05%
6.80%
+
126
R100,000 for 55+
7.05%
7.00%
+
24
R250,000 for 18+
7.05%
6.90%
+
193
R250,000 for 55+
7.05%
7.10%
-
-72
R1,000,000 for 18+
7.14%
7.10%
+
193
R1,000,000 for 55+
7.14%
7.35%
-
-1,061
R5,000,000 for 18+
7.22%
7.10%
+
2,895
R5,000,000 for 55+
7.22%
7.35%
-
-3,375
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.22% interest rate at Standard Bank for a R5,000,000 investment in a 6 month fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.35%. Over 6 months you will earn R3,375 less in interest at Standard Bank compared FNB.

1 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
6.65%
7.30%
-
-69
R10,000 for 55+
7.15%
7.60%
-
-48
R100,000 for 18+
7.20%
7.30%
-
-110
R100,000 for 55+
7.20%
7.60%
-
-430
R250,000 for 18+
7.20%
7.40%
-
-550
R250,000 for 55+
7.20%
7.70%
-
-1,350
R1,000,000 for 18+
7.30%
7.60%
-
-3,200
R1,000,000 for 55+
7.30%
7.90%
-
-6,400
R5,000,000 for 18+
7.38%
7.60%
-
-12,000
R5,000,000 for 55+
7.38%
7.90%
-
-28,000
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.38% interest rate at Standard Bank for a R5,000,000 investment in a 1 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.90%. Over 12 months you will earn R28,000 less in interest at Standard Bank compared FNB.

2 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank'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 Standard Bank1FNB1 Winner 2
R10,000 for 18+
7.06%
7.30%
-
-56
R10,000 for 55+
7.56%
7.55%
+
2
R100,000 for 18+
7.55%
7.30%
+
581
R100,000 for 55+
7.55%
7.55%
-
0
R250,000 for 18+
7.55%
7.40%
+
862
R250,000 for 55+
7.55%
7.65%
-
-539
R1,000,000 for 18+
7.55%
7.60%
-
-1,078
R1,000,000 for 55+
7.55%
7.90%
-
-7,992
R5,000,000 for 18+
7.55%
7.60%
-
-5,392
R5,000,000 for 55+
7.55%
7.90%
-
-39,962
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.55% interest rate at Standard Bank for a R5,000,000 investment in a 2 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.90%. Over 2 years you will earn R39,962 less in interest at Standard Bank compared FNB.

3 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank'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 Standard Bank1FNB1 Winner 2
R10,000 for 18+
7.15%
7.40%
-
-94
R10,000 for 55+
7.65%
7.60%
+
17
R100,000 for 18+
7.65%
7.40%
+
906
R100,000 for 55+
7.65%
7.60%
+
175
R250,000 for 18+
7.65%
7.50%
+
1,396
R250,000 for 55+
7.65%
7.70%
-
-524
R1,000,000 for 18+
7.65%
7.70%
-
-2,098
R1,000,000 for 55+
7.65%
7.95%
-
-11,566
R5,000,000 for 18+
7.65%
7.70%
-
-10,488
R5,000,000 for 55+
7.65%
7.95%
-
-57,828
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 7.65% interest rate at Standard Bank for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 7.95%. Over 3 years you will earn R57,828 less in interest at Standard Bank compared FNB.

5 year fixed deposit interest rates compared

Standard Bank vs FNB

This table shows Standard Bank'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 Standard Bank1FNB1 Winner 2
R10,000 for 18+
7.66%
7.80%
-
-102
R10,000 for 55+
8.16%
8.05%
+
83
R100,000 for 18+
8.12%
7.80%
+
2,403
R100,000 for 55+
8.12%
8.05%
+
552
R250,000 for 18+
8.12%
7.90%
+
4,129
R250,000 for 55+
8.12%
8.15%
-
-519
R1,000,000 for 18+
8.12%
8.10%
+
1,382
R1,000,000 for 55+
8.12%
8.40%
-
-20,849
R5,000,000 for 18+
8.12%
8.10%
+
6,909
R5,000,000 for 55+
8.12%
8.40%
-
-104,247
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above FNB.
    A negative amount means that FNB offers more than Standard Bank.
How to read this table?

You get a 8.12% interest rate at Standard Bank for a R5,000,000 investment in a 5 year fixed deposit (if you are older than 55). FNB's interest rate for the same terms is 8.40%. Over 5 years you will earn R104,247 less in interest at Standard Bank compared FNB.