GoTyme Bank
vs
Access Bank Plc
Interest rates compared
Introduction
This fixed deposit comparison page compares GoTyme Bank interest rates to Access Bank Plc interest rates. All the interest rates shown are sourced from the GoTyme Bank and Access Bank Plc websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 1st July 2026.
How do GoTyme Bank fixed deposit interest rates compare to Access Bank Plc ?
You are more likely to find better interest rates at GoTyme Bank than Access Bank Plc. Specifically, 100 out of 100 interest rates are better at GoTyme Bank than Access Bank Plc. This means you are more likely to find a better interest rate at Access Bank Plc 0% 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 GoTyme Bank is 8.5841% for the 36-month fixed deposit. You will need a minimum deposit of R1 . Whilst at Access Bank Plc, the best interest rate you can get is 7.6% for the 36-month fixed deposit. You will need a minimum deposit of R0 .
But how do interest rates at GoTyme Bank compare to Access Bank Plc across different terms and investment amounts?
3 month fixed deposit interest rates compared
This table shows GoTyme Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 month fixed deposit.
| Investment amount | GoTyme Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 7.70% | 6.80% | + 23 |
| R100,000 for 18+ | 7.70% | 6.80% | + 228 |
| R250,000 for 18+ | 7.70% | 6.80% | + 571 |
| R1,000,000 for 18+ | 7.70% | 6.80% | + 2,283 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than GoTyme Bank.
You get a 7.7022% interest rate at GoTyme Bank for a R1,000,000 investment in a 3 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 6.80%. Over 3 months you will earn R2,283 more in interest at GoTyme Bank compared Access Bank Plc.
6 month fixed deposit interest rates compared
This table shows GoTyme Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 6 month fixed deposit.
| Investment amount | GoTyme Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.11% | 7.00% | + 57 |
| R100,000 for 18+ | 8.11% | 7.00% | + 573 |
| R250,000 for 18+ | 8.11% | 7.00% | + 1,434 |
| R1,000,000 for 18+ | 8.11% | 7.00% | + 5,735 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than GoTyme Bank.
You get a 8.1115% interest rate at GoTyme Bank for a R1,000,000 investment in a 6 month fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.00%. Over 6 months you will earn R5,735 more in interest at GoTyme Bank compared Access Bank Plc.
1 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 1 year fixed deposit.
| Investment amount | GoTyme Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.42% | 7.25% | + 125 |
| R100,000 for 18+ | 8.42% | 7.25% | + 1,254 |
| R250,000 for 18+ | 8.42% | 7.25% | + 3,135 |
| R1,000,000 for 18+ | 8.42% | 7.25% | + 12,541 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than GoTyme Bank.
You get a 8.4175% interest rate at GoTyme Bank for a R1,000,000 investment in a 1 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.25%. Over 12 months you will earn R12,541 more in interest at GoTyme Bank compared Access Bank Plc.
2 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 2 year fixed deposit.
| Investment amount | GoTyme Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.52% | 7.50% | + 238 |
| R100,000 for 18+ | 8.52% | 7.50% | + 2,376 |
| R250,000 for 18+ | 8.52% | 7.50% | + 5,939 |
| R1,000,000 for 18+ | 8.52% | 7.50% | + 23,757 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than GoTyme Bank.
You get a 8.5193% interest rate at GoTyme Bank for a R1,000,000 investment in a 2 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.50%. Over 2 years you will earn R23,757 more in interest at GoTyme Bank compared Access Bank Plc.
3 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Access Bank Plc's interest rates for a R10,000, R100,000, R250,000 and R1,000,000 investment in a 3 year fixed deposit.
| Investment amount | GoTyme Bank1 | Access Bank Plc1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.58% | 7.60% | + 374 |
| R100,000 for 18+ | 8.58% | 7.60% | + 3,735 |
| R250,000 for 18+ | 8.58% | 7.60% | + 9,338 |
| R1,000,000 for 18+ | 8.58% | 7.60% | + 37,354 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Access Bank Plc.
A negative amount means that Access Bank Plc offers more than GoTyme Bank.
You get a 8.5841% interest rate at GoTyme Bank for a R1,000,000 investment in a 3 year fixed deposit (if you are older than 18). Access Bank Plc's interest rate for the same terms is 7.60%. Over 3 years you will earn R37,354 more in interest at GoTyme Bank compared Access Bank Plc.
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