Standard Bank vs Investec

Interest rates compared

Last updated 2nd March 2025 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 2nd March 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)

Standard Bank
8.69%
best rate
Investec
8.75%
best rate

The best interest rate you can get at Standard Bank is 8.69% 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 8.75% 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

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+
7.34%
6.93%
+
104
R250,000 for 18+
7.34%
7.13%
+
130
R1,000,000 for 18+
7.43%
7.38%
+
142
R5,000,000 for 18+
7.51%
7.38%
+
1,655
  • 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 7.51% 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 7.38%. Over 3 months you will earn R1,655 more 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+
7.43%
7.58%
-
-77
R100,000 for 55+
7.43%
7.73%
-
-154
R250,000 for 18+
7.43%
7.58%
-
-193
R250,000 for 55+
7.43%
7.73%
-
-385
R1,000,000 for 18+
7.53%
7.58%
-
-241
R1,000,000 for 55+
7.53%
7.73%
-
-1,011
R5,000,000 for 18+
7.61%
7.58%
+
722
R5,000,000 for 55+
7.61%
7.73%
-
-3,128
  • 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 7.61% 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 7.73%. Over 6 months you will earn R3,128 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+
7.66%
8.05%
-
-410
R100,000 for 55+
7.66%
8.25%
-
-630
R250,000 for 18+
7.66%
8.05%
-
-1,025
R250,000 for 55+
7.66%
8.25%
-
-1,575
R1,000,000 for 18+
7.77%
8.05%
-
-3,000
R1,000,000 for 55+
7.77%
8.25%
-
-5,200
R5,000,000 for 18+
7.83%
8.05%
-
-11,500
R5,000,000 for 55+
7.83%
8.25%
-
-22,500
  • 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 7.83% 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 8.25%. Over 12 months you will earn R22,500 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+
8.06%
7.97%
+
195
R100,000 for 55+
8.06%
8.12%
-
-152
R250,000 for 18+
8.06%
7.97%
+
487
R250,000 for 55+
8.06%
8.12%
-
-379
R1,000,000 for 18+
8.06%
7.97%
+
1,950
R1,000,000 for 55+
8.06%
8.12%
-
-1,518
R5,000,000 for 18+
8.06%
7.97%
+
9,748
R5,000,000 for 55+
8.06%
8.12%
-
-7,588
  • 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 8.06% 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 8.12%. Over 2 years you will earn R7,588 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+
8.69%
8.60%
+
635
R100,000 for 55+
8.69%
8.75%
-
-495
R250,000 for 18+
8.69%
8.60%
+
1,588
R250,000 for 55+
8.69%
8.75%
-
-1,239
R1,000,000 for 18+
8.69%
8.60%
+
6,351
R1,000,000 for 55+
8.69%
8.75%
-
-4,954
R5,000,000 for 18+
8.69%
8.60%
+
31,755
R5,000,000 for 55+
8.69%
8.75%
-
-24,771
  • 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 8.69% 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 8.75%. Over 5 years you will earn R24,771 less in interest at Standard Bank compared Investec.