Standard Bank vs SA Retail Bonds

Interest rates compared

Last updated 2nd March 2025 by Walter

Introduction

This fixed deposit comparison page compares Standard Bank interest rates to SA Retail Bonds interest rates. All the interest rates shown are sourced from the Standard Bank and SA Retail Bonds 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 SA Retail Bonds ?

You are more likely to find better interest rates at SA Retail Bonds than Standard Bank. Specifically, 0 out of 100 interest rates are better at Standard Bank than SA Retail Bonds. This means you are more likely to find a better interest rate at SA Retail Bonds 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
8.69%
best rate
SA Retail Bonds
10.25%
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 SA Retail Bonds, the best interest rate you can get is 10.25% for the 60-month fixed deposit. You will need a minimum deposit of R1,000 .

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

2 year fixed deposit interest rates compared

Standard Bank vs SA Retail Bonds

This table shows Standard Bank's and SA Retail Bonds'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 Bank1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.55%
9.00%
-
-299
R10,000 for 55+
8.05%
9.00%
-
-185
R100,000 for 18+
8.06%
9.00%
-
-1,828
R100,000 for 55+
8.06%
9.00%
-
-1,828
R250,000 for 18+
8.06%
9.00%
-
-4,569
R250,000 for 55+
8.06%
9.00%
-
-4,569
R1,000,000 for 18+
8.06%
9.00%
-
-18,275
R1,000,000 for 55+
8.06%
9.00%
-
-18,275
R5,000,000 for 18+
8.06%
9.00%
-
-91,375
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 9.00%. Over 2 years you will earn R91,375 less in interest at Standard Bank compared SA Retail Bonds.

3 year fixed deposit interest rates compared

Standard Bank vs SA Retail Bonds

This table shows Standard Bank's and SA Retail Bonds'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 Bank1SA Retail Bonds1 Winner 2
R10,000 for 18+
7.67%
9.25%
-
-535
R10,000 for 55+
8.17%
9.25%
-
-349
R100,000 for 18+
8.16%
9.25%
-
-3,526
R100,000 for 55+
8.16%
9.25%
-
-3,526
R250,000 for 18+
8.16%
9.25%
-
-8,816
R250,000 for 55+
8.16%
9.25%
-
-8,816
R1,000,000 for 18+
8.16%
9.25%
-
-35,264
R1,000,000 for 55+
8.16%
9.25%
-
-35,264
R5,000,000 for 18+
8.16%
9.25%
-
-176,321
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds offers more than Standard Bank.
How to read this table?

You get a 8.16% interest rate at Standard Bank for a R5,000,000 investment in a 3 year fixed deposit (if you are older than 18). SA Retail Bonds's interest rate for the same terms is 9.25%. Over 3 years you will earn R176,321 less in interest at Standard Bank compared SA Retail Bonds.

5 year fixed deposit interest rates compared

Standard Bank vs SA Retail Bonds

This table shows Standard Bank's and SA Retail Bonds'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 Bank1SA Retail Bonds1 Winner 2
R10,000 for 18+
8.19%
10.25%
-
-1,445
R10,000 for 55+
8.69%
10.25%
-
-1,067
R100,000 for 18+
8.69%
10.25%
-
-10,674
R100,000 for 55+
8.69%
10.25%
-
-10,674
R250,000 for 18+
8.69%
10.25%
-
-26,686
R250,000 for 55+
8.69%
10.25%
-
-26,686
R1,000,000 for 18+
8.69%
10.25%
-
-106,743
R1,000,000 for 55+
8.69%
10.25%
-
-106,743
R5,000,000 for 18+
8.69%
10.25%
-
-533,716
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at Standard Bank over and above SA Retail Bonds.
    A negative amount means that SA Retail Bonds 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 18). SA Retail Bonds's interest rate for the same terms is 10.25%. Over 5 years you will earn R533,716 less in interest at Standard Bank compared SA Retail Bonds.