Standard Bank
vs
Investec
Interest rates compared
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 4th July 2025.
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, 36 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 64% 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 8.16% for the 60-month fixed deposit. You will need a minimum deposit of R10,000 and be over the age of 55. Whilst at Investec, the best interest rate you can get is 8.18% for the 60-month fixed deposit. You will need a minimum deposit of R100,000 and be over the age of 55.
But how do interest rates at Standard Bank compare to Investec across different terms and investment amounts?
3 month fixed deposit interest rates compared
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 Bank1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.04% | 6.66% | + 95 |
| R250,000 for 18+ | 7.04% | 6.86% | + 113 |
| R1,000,000 for 18+ | 7.13% | 7.11% | + 47 |
| R5,000,000 for 18+ | 7.21% | 7.11% | + 1,185 |
- 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.
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 18). Investec's interest rate for the same terms is 7.11%. Over 3 months you will earn R1,185 more in interest at Standard Bank compared Investec.
6 month fixed deposit interest rates compared
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 Bank1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.05% | 7.19% | - -72 |
| R100,000 for 55+ | 7.05% | 7.34% | - -150 |
| R250,000 for 18+ | 7.05% | 7.19% | - -181 |
| R250,000 for 55+ | 7.05% | 7.34% | - -374 |
| R1,000,000 for 18+ | 7.14% | 7.19% | - -241 |
| R1,000,000 for 55+ | 7.14% | 7.34% | - -1,013 |
| R5,000,000 for 18+ | 7.22% | 7.19% | + 724 |
| R5,000,000 for 55+ | 7.22% | 7.34% | - -3,134 |
- 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.
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). Investec's interest rate for the same terms is 7.34%. Over 6 months you will earn R3,134 less in interest at Standard Bank compared Investec.
1 year fixed deposit interest rates compared
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 Bank1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.20% | 7.95% | - -810 |
| R100,000 for 55+ | 7.20% | 8.05% | - -910 |
| R250,000 for 18+ | 7.20% | 7.95% | - -2,025 |
| R250,000 for 55+ | 7.20% | 8.05% | - -2,275 |
| R1,000,000 for 18+ | 7.30% | 7.95% | - -7,000 |
| R1,000,000 for 55+ | 7.30% | 8.05% | - -8,000 |
| R5,000,000 for 18+ | 7.38% | 7.95% | - -31,000 |
| R5,000,000 for 55+ | 7.38% | 8.05% | - -36,000 |
- 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.
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). Investec's interest rate for the same terms is 8.05%. Over 12 months you will earn R36,000 less in interest at Standard Bank compared Investec.
2 year fixed deposit interest rates compared
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 Bank1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 7.55% | 7.47% | + 194 |
| R100,000 for 55+ | 7.55% | 7.62% | - -151 |
| R250,000 for 18+ | 7.55% | 7.47% | + 485 |
| R250,000 for 55+ | 7.55% | 7.62% | - -377 |
| R1,000,000 for 18+ | 7.55% | 7.47% | + 1,940 |
| R1,000,000 for 55+ | 7.55% | 7.62% | - -1,510 |
| R5,000,000 for 18+ | 7.55% | 7.47% | + 9,700 |
| R5,000,000 for 55+ | 7.55% | 7.62% | - -7,550 |
- 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.
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). Investec's interest rate for the same terms is 7.62%. Over 2 years you will earn R7,550 less in interest at Standard Bank compared Investec.
5 year fixed deposit interest rates compared
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 Bank1 | Investec1 | Winner 2 |
|---|---|---|---|
| R100,000 for 18+ | 8.12% | 8.03% | + 690 |
| R100,000 for 55+ | 8.12% | 8.18% | - -415 |
| R250,000 for 18+ | 8.12% | 8.03% | + 1,725 |
| R250,000 for 55+ | 8.12% | 8.18% | - -1,038 |
| R1,000,000 for 18+ | 8.12% | 8.03% | + 6,899 |
| R1,000,000 for 55+ | 8.12% | 8.18% | - -4,151 |
| R5,000,000 for 18+ | 8.12% | 8.03% | + 34,493 |
| R5,000,000 for 55+ | 8.12% | 8.18% | - -20,757 |
- 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.
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). Investec's interest rate for the same terms is 8.18%. Over 5 years you will earn R20,757 less in interest at Standard Bank compared Investec.
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