GoTyme Bank vs FNB

Interest rates compared

Last updated 1st July 2026 by Walter

Introduction

This fixed deposit comparison page compares GoTyme Bank interest rates to FNB interest rates. All the interest rates shown are sourced from the GoTyme Bank and FNB 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 FNB ?

You are more likely to find better interest rates at GoTyme Bank than FNB. Specifically, 100 out of 100 interest rates are better at GoTyme Bank than FNB. This means you are more likely to find a better interest rate at FNB 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)

GoTyme Bank
8.58%
best rate
FNB
7.20%
best rate

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 FNB, the best interest rate you can get is 7.2% 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 FNB across different terms and investment amounts?

3 month fixed deposit interest rates compared

GoTyme Bank vs FNB

This table shows GoTyme Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
7.70%
6.20%
+
38
R100,000 for 18+
7.70%
6.20%
+
380
R250,000 for 18+
7.70%
6.30%
+
887
R1,000,000 for 18+
7.70%
6.50%
+
3,041
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above FNB.
    A negative amount means that FNB offers more than GoTyme Bank.
How to read this table?

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). FNB's interest rate for the same terms is 6.50%. Over 3 months you will earn R3,041 more in interest at GoTyme Bank compared FNB.

6 month fixed deposit interest rates compared

GoTyme Bank vs FNB

This table shows GoTyme Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
8.11%
6.45%
+
86
R100,000 for 18+
8.11%
6.45%
+
856
R250,000 for 18+
8.11%
6.55%
+
2,012
R1,000,000 for 18+
8.11%
6.75%
+
7,021
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above FNB.
    A negative amount means that FNB offers more than GoTyme Bank.
How to read this table?

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). FNB's interest rate for the same terms is 6.75%. Over 6 months you will earn R7,021 more in interest at GoTyme Bank compared FNB.

1 year fixed deposit interest rates compared

GoTyme Bank vs FNB

This table shows GoTyme Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
8.42%
6.75%
+
179
R100,000 for 18+
8.42%
6.75%
+
1,787
R250,000 for 18+
8.42%
6.85%
+
4,202
R1,000,000 for 18+
8.42%
7.05%
+
14,676
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above FNB.
    A negative amount means that FNB offers more than GoTyme Bank.
How to read this table?

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). FNB's interest rate for the same terms is 7.05%. Over 12 months you will earn R14,676 more in interest at GoTyme Bank compared FNB.

2 year fixed deposit interest rates compared

GoTyme Bank vs FNB

This table shows GoTyme Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
8.52%
6.85%
+
387
R100,000 for 18+
8.52%
6.85%
+
3,867
R250,000 for 18+
8.52%
6.95%
+
9,096
R1,000,000 for 18+
8.52%
7.15%
+
31,809
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above FNB.
    A negative amount means that FNB offers more than GoTyme Bank.
How to read this table?

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). FNB's interest rate for the same terms is 7.15%. Over 2 years you will earn R31,809 more in interest at GoTyme Bank compared FNB.

3 year fixed deposit interest rates compared

GoTyme Bank vs FNB

This table shows GoTyme Bank's and FNB'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 Bank1FNB1 Winner 2
R10,000 for 18+
8.58%
6.90%
+
633
R100,000 for 18+
8.58%
6.90%
+
6,328
R250,000 for 18+
8.58%
7.00%
+
14,903
R1,000,000 for 18+
8.58%
7.20%
+
52,235
  • 1 nominal interest rate
  • 2 the amount of interest you will be able earn at GoTyme Bank over and above FNB.
    A negative amount means that FNB offers more than GoTyme Bank.
How to read this table?

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). FNB's interest rate for the same terms is 7.20%. Over 3 years you will earn R52,235 more in interest at GoTyme Bank compared FNB.

How do GoTyme Bank interest rates compare to other banks?