Standard Bank vs Investec

Interest rates compared

Last updated 1st September 2026 by Walter

Introduction

This fixed deposit comparison page compares Standard Bank interest rates to Investec interest rates. All the interest rates shown are sourced from the Standard Bank 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 1st September 2026.

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

You are more likely to find better interest rates at Investec than Standard Bank. Specifically, 27 out of 100 interest rates are better at Standard Bank than Investec. This means you are more likely to find a better interest rate at Investec 73% 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
7.87%
best rate
Investec
8.10%
best rate

The best interest rate you can get at Standard Bank is 7.8698363238712155% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 . Whilst at Investec, the best interest rate you can get is 8.1% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 .

But how do interest rates at Standard Bank compare to Investec across different terms and investment amounts?

1 month fixed deposit interest rates compared

Standard Bank vs Investec

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

Investment amount Standard Bank1Investec1 Winner 2
R100,000 for 18+
6.48%
6.30%
+
15
R250,000 for 18+
6.48%
6.45%
+
7
R1,000,000 for 18+
6.58%
6.70%
-
-102
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.57800934398125% interest rate at Standard Bank for a R1,000,000 investment in a 1 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.70%. Over 1 months you will earn R102 less in interest at Standard Bank compared Investec.

2 month fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 month fixed deposit.

Investment amount Standard Bank1Investec1 Winner 2
R100,000 for 18+
6.56%
6.28%
+
47
R250,000 for 18+
6.56%
6.48%
+
33
R1,000,000 for 18+
6.65%
6.73%
-
-130
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.652373578695059% interest rate at Standard Bank for a R1,000,000 investment in a 2 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.73%. Over 2 months you will earn R130 less in interest at Standard Bank compared Investec.

3 month fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec'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 Bank1Investec1 Winner 2
R100,000 for 18+
6.61%
7.05%
-
-111
R250,000 for 18+
6.61%
7.05%
-
-278
R1,000,000 for 18+
6.70%
7.10%
-
-1,001
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.704116396956028% interest rate at Standard Bank for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.10%. Over 3 months you will earn R1,001 less in interest at Standard Bank compared Investec.

4 month fixed deposit interest rates compared

Standard Bank vs Investec

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

Investment amount Standard Bank1Investec1 Winner 2
R100,000 for 18+
6.64%
6.29%
+
118
R250,000 for 18+
6.64%
6.49%
+
125
R1,000,000 for 18+
6.73%
6.74%
-
-29
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.731389150122524% interest rate at Standard Bank for a R1,000,000 investment in a 4 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.74%. Over 4 months you will earn R29 less in interest at Standard Bank compared Investec.

5 month fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 5 month fixed deposit.

Investment amount Standard Bank1Investec1 Winner 2
R100,000 for 18+
6.69%
6.37%
+
135
R250,000 for 18+
6.69%
6.57%
+
125
R1,000,000 for 18+
6.78%
6.82%
-
-165
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.781214945721281% interest rate at Standard Bank for a R1,000,000 investment in a 5 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 6.82%. Over 5 months you will earn R165 less in interest at Standard Bank compared Investec.

6 month fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec'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 Bank1Investec1 Winner 2
R100,000 for 18+
6.74%
7.31%
-
-294
R250,000 for 18+
6.74%
7.31%
-
-735
R1,000,000 for 18+
6.83%
7.36%
-
-2,714
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.8328970447699255% interest rate at Standard Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.36%. Over 6 months you will earn R2,714 less in interest at Standard Bank compared Investec.

9 month fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec'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 Bank1Investec1 Winner 2
R100,000 for 18+
6.90%
7.57%
-
-525
R250,000 for 18+
6.90%
7.57%
-
-1,312
R1,000,000 for 18+
7.00%
7.62%
-
-4,904
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 6.997178308606156% interest rate at Standard Bank for a R1,000,000 investment in a 9 month fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.62%. Over 9 months you will earn R4,904 less in interest at Standard Bank compared Investec.

1 year fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank's and Investec'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 Bank1Investec1 Winner 2
R100,000 for 18+
7.35%
8.03%
-
-732
R250,000 for 18+
7.35%
8.03%
-
-1,831
R1,000,000 for 18+
7.40%
8.03%
-
-6,722
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec 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). Investec's interest rate for the same terms is 8.03%. Over 12 months you will earn R6,722 less in interest at Standard Bank compared Investec.

2 year fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank'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 Standard Bank1Investec1 Winner 2
R100,000 for 18+
7.47%
7.67%
-
-465
R250,000 for 18+
7.47%
7.67%
-
-1,162
R1,000,000 for 18+
7.47%
7.67%
-
-4,647
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 7.468938861739183% interest rate at Standard Bank for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 7.67%. Over 2 years you will earn R4,647 less in interest at Standard Bank compared Investec.

5 year fixed deposit interest rates compared

Standard Bank vs Investec

This table shows Standard Bank'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 Standard Bank1Investec1 Winner 2
R100,000 for 18+
7.87%
8.10%
-
-1,702
R250,000 for 18+
7.87%
8.10%
-
-4,255
R1,000,000 for 18+
7.87%
8.10%
-
-17,019
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above Investec.
    A negative amount means that Investec offers more than Standard Bank.
How to read this table?

You get a 7.8698363238712155% interest rate at Standard Bank for a R1,000,000 investment in a 5 year fixed deposit (if you are older than 18). Investec's interest rate for the same terms is 8.10%. Over 5 years you will earn R17,019 less in interest at Standard Bank compared Investec.

How do Standard Bank interest rates compare to other banks?