GoTyme Bank
vs
Capitec
Interest rates compared
Introduction
This fixed deposit comparison page compares GoTyme Bank interest rates to Capitec interest rates. All the interest rates shown are sourced from the GoTyme Bank and Capitec websites, respectively. All rates shown on this page have been converted to nominal rates! This allows for a fair comparison. Rates last updated 2nd October 2026.
How do GoTyme Bank fixed deposit interest rates compare to Capitec ?
You are more likely to find better interest rates at GoTyme Bank than Capitec. Specifically, 100 out of 100 interest rates are better at GoTyme Bank than Capitec. This means you are more likely to find a better interest rate at Capitec 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 Capitec, the best interest rate you can get is 7.7% for the 36-month fixed deposit. You will need a minimum deposit of R1,000,000 .
But how do interest rates at GoTyme Bank compare to Capitec across different terms and investment amounts?
6 month fixed deposit interest rates compared
This table shows GoTyme Bank's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.11% | 6.70% | + 73 |
| R100,000 for 18+ | 8.11% | 6.80% | + 676 |
| R250,000 for 18+ | 8.11% | 6.90% | + 1,562 |
| R1,000,000 for 18+ | 8.11% | 7.15% | + 4,962 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.15%. Over 6 months you will earn R4,962 more in interest at GoTyme Bank compared Capitec.
1 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.42% | 6.85% | + 168 |
| R100,000 for 18+ | 8.42% | 7.15% | + 1,361 |
| R250,000 for 18+ | 8.42% | 7.25% | + 3,135 |
| R1,000,000 for 18+ | 8.42% | 7.45% | + 10,402 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.45%. Over 12 months you will earn R10,402 more in interest at GoTyme Bank compared Capitec.
2 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.52% | 6.95% | + 364 |
| R100,000 for 18+ | 8.52% | 7.50% | + 2,376 |
| R250,000 for 18+ | 8.52% | 7.55% | + 5,651 |
| R1,000,000 for 18+ | 8.52% | 7.65% | + 20,290 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.65%. Over 2 years you will earn R20,290 more in interest at GoTyme Bank compared Capitec.
3 year fixed deposit interest rates compared
This table shows GoTyme Bank's and Capitec'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 | Capitec1 | Winner 2 |
|---|---|---|---|
| R10,000 for 18+ | 8.58% | 7.00% | + 596 |
| R100,000 for 18+ | 8.58% | 7.60% | + 3,735 |
| R250,000 for 18+ | 8.58% | 7.65% | + 8,870 |
| R1,000,000 for 18+ | 8.58% | 7.70% | + 33,606 |
- 1 nominal interest rate
- 2 the amount of interest you will be able earn at GoTyme Bank over and above Capitec.
A negative amount means that Capitec 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). Capitec's interest rate for the same terms is 7.70%. Over 3 years you will earn R33,606 more in interest at GoTyme Bank compared Capitec.
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